topic Re: Collection in General Credit Topics

Collection

Student_Loans_Kill — Thu, 28 Mar 2024 18:18:02 GMT

I had a service for landscaping. I did not sign up for it the following year they did it anyway. I ended up paying for it despite me not wanting the services, not calling for services and not signing a contract. The following year they did it again and send me a bill. Followed by giving it to a collection agency
My question is how is this a legal obligation and how can they report it on my credit without judgment etc?

Re: Collection

SouthJamaica — Thu, 28 Mar 2024 19:35:34 GMT

@Student_Loans_Kill wrote:
I had a service for landscaping. I did not sign up for it the following year they did it anyway. I ended up paying for it despite me not wanting the services, not calling for services and not signing a contract. The following year they did it again and send me a bill. Followed by giving it to a collection agency
My question is how is this a legal obligation and how can they report it on my credit without judgment etc?

From what you describe it may not be a legal obligation, but you need to fight this type of thing early on, rather than sit back and allow them to unfold. At this point you should send them a certified mail letter making it clear that you don't want their services and never requested them after the first year. Then you should dispute it with the collection agency and any credit bureau to whom they reported it.

Re: Collection

Student_Loans_Kill — Thu, 28 Mar 2024 19:48:35 GMT

To me I don't understand how you can report to credit agency without any proof of debt, other than a bill they make up, no judgement and no contract. Anyone can create a bill and say you owe this much etc . Overall debt reported on credit report is less than $900 the damage from a score drop is significantly worse

Re: Collection

Thomas_Thumb — Sat, 30 Mar 2024 02:38:23 GMT

It appears you have a yearly auto renewal contract. Many such contracts are 3 years for snow removal or landscaping. Some paid subscription services, such as Malwarebytes or certain memberships, renew indefinitely.

You must take action to officially cancel such contracts otherwise they renew. As mentioned above, send a certified letter by registered mail stating cancellation of service.

If the contract was for a service and the service was not performed, then dispute the collection in addition to an official notice of cancellation.

Re: Collection

CorpCrMgr1 — Sat, 30 Mar 2024 02:31:54 GMT

You should have received a bill early in the season. That was your opportunity to cancel/stop the service. Waiting until the end of the season after they did the entire applications makes you in agreement with their service. They did the work you originally contracted. I would contact the lawn service and see what it would take to make it go away.

Re: Collection

Student_Loans_Kill — Mon, 01 Apr 2024 15:03:32 GMT

I actually notified them I didn't want service after paying for it in my second year. Additionally they sent out a new system for email to sign up for services which I didn't do. Finally I contacted office like you suggested and they said I had to go through collection agent to make payment

my original question remains. Shouldn't I have a contract for services that explains all of this?

@CorpCrMgr1 wrote:
You should have received a bill early in the season. That was your opportunity to cancel/stop the service. Waiting until the end of the season after they did the entire applications makes you in agreement with their service. They did the work you originally contracted. I would contact the lawn service and see what it would take to make it go away.

Re: Collection

FicoMike0 — Mon, 01 Apr 2024 23:09:57 GMT

if you think you have a good story, maybe small claims court. Probably quicker and easier to bribe the collection pirates. Pay for delete. Offer them 30%, see what the counter.

Re: Collection

Student_Loans_Kill — Tue, 02 Apr 2024 00:13:57 GMT

Would I be suing in small claims court? I don't understand. Does pay for delete actually work? Or will they just leave collection on books?

To me seems off when invoices aren't even 6 months out. Why

@FicoMike0 wrote:
if you think you have a good story, maybe small claims court. Probably quicker and easier to bribe the collection pirates. Pay for delete. Offer them 30%, see what the counter.

wouldn't company take this offer? Seems like bad business not to take it, especially given there is no signed contract , no proof work was done... etc

Re: Collection

CorpCrMgr1 — Thu, 04 Apr 2024 04:37:00 GMT

@Student_Loans_Kill It appears you did everything correct. I'm guessing someone thought you would just pay. Write to the collection agent and demand a copy of your contract for the period you did not sign up for the service.Then contact the BBB. Please report back or email me. I've helped a lot of people with this type of problem and have never charged anyone.

Re: Collection

keekers — Sat, 06 Apr 2024 19:17:03 GMT

Good luck. This kind of thing infuriates me.