National Credit Adjusters sent payment back.....

[Anonymous]

Hello!

We got pre-approved on our new home, made our offer and it was accepted today. Our LO wants us to pay off everything on my husbands credit. I asked if it would hurt the loan and he said, No, we just dont want any unnessesary debt. Anyway...

When my husband bought his new car about a month ago, there were two of the collections rolled into the loan, and the dealer was sending them a check to pay it off. Now.. Yesterday we got one of the checks in the mail sent to us... Apparently NCA wouldnt take the payment. After reading how they are a scam company, what do we do? Seems like the only way to get this even paid is if we sue them apparently. lol

WHAT DO WE DO?! THEY WONT TAKE OUR MONEY?!  Its only $515. No biggie at all! How the debt was accumulated in the first place was that a couple of years ago, my husband got sucked into payday loans... (grr, could really kick him for that one! werent married at the time, but we were dating, I didnt know about it). So... I wonder if we pay the original creditor, if that would make my LO happy, of course I could just ask him tomorrow morning, HOWEVER...

I wanted to know if anyone else had any experience with these apparent crazies!!

Thanks in advance for any opinons, advice, stories to share.

[RobertEG]

What reason did they offer for not accepting payment?  Maybe the check did not cover the full balance that they claim is owed?

[Anonymous]

apparently there wasnt a reason...they just said they werent accepting it.... makes NO sense. It is for the exact amount that they are reporting on  his credit.

[RobertEG]

OK, I see your dilemma.  Your LO wants to see that the debt is paid. You have made what anyone would consider to a a full, good faith effort to comply.  But this situation is really quite extraordinary.... a creditor wont take your money?

Talk first to your LO, and explain the situation. He/she has the authority to grant exceptions, and this clearly appears to me to be grounds for one, particularly since the debt is not large.  I would not jump through hoops or over hurdles dealing with the OC or CA without first talking to your LO.

[Anonymous]

---

@Anonymous wrote:

apparently there wasnt a reason...they just said they werent accepting it.... makes NO sense. It is for the exact amount that they are reporting on  his credit.

---

Maybe they don't own the debt any longer and the new CA is not reporting yet.  Can you contact the OC to find out who they show as the CA or see if you can pay them?

[MarineVietVet]

---

@RobertEG wrote:

OK, I see your dilemma.  Your LO wants to see that the debt is paid. You have made what anyone would consider to a a full, good faith effort to comply.  But this situation is really quite extraordinary.... a creditor wont take your money?

Talk first to your LO, and explain the situation. He/she has the authority to grant exceptions, and this clearly appears to me to be grounds for one, particularly since the debt is not large.  I would not jump through hoops or over hurdles dealing with the OC or CA without first talking to your LO.

---

That sounds like a pretty good idea.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
6/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score