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I got a Clout Financial card when I turned 18. (Which was 2000) I defaulted on it and then set up a payment plan with their debt collector, First Performance Recovery. I made all of my payments and completed the pay off in December of 2004. I have been getting calls since 2006 saying that I never paid it and now owe up to 6K with interest. Every time I ask for something in writing they never send it and I no longer hear from them. Until six months later when a new company calls me threatening that I must pay it or else. I have checked my credit report and this card is not on it. I also just bought a new car and house in 2009. How is this possible if I have a huge debt lingering that I am about to be sued over according to these companies? And in Ohio I'm pretty sure that the statute of limitations are up on a credit card over six years old. I am pretty sick of the harassment and I am quite pissed that I have to be threatened over something I already paid off. These "debt collectors" need to get real jobs and stop preying on innocent, hardworking people.
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Hey yall. I just got a call from them about a cloud card back in 2004. I am In Texas. They say I must agree to payment or go to court. How did it turn out for everyone else?
Same thing happen to me!.. totally got scam!.. I’m so pissed!
I also got a call today stating a had signed a waiver of limitations with this card. I don't even remember it from 2004. Not sure what to do its not on my credit report for me to refer to and I don't know what steps to take on this..
I consulted with a attorney and they advised that in the state of Texas statue of limitation is 4 yrs, and there is no such thing as a waiver of statue of limitation... It may be different in your state... the advise I received was free and it really eased my mind and allowed me to ask the questions I had...
I'm in Texas too! That makes me feel better I did get some free consultation here and they told me to call their bluff and ask for a copy of my signature on a waiver of limitations. I called and asked for it and they sent me a typical letter from their office BA Associates with nothing stating I waived anything.
THats good to hear! I will keep u posted if anything changes...
Hey! I know Your issue is from 2017 so I hope this still reaches you. Did you ever get this resolved? I am Dealing with them now. Same situation.
I had them call me today threatening
me to a civil suit. It is almost over 8years and it was paid off when the first lawyer called 5 years ago. Then another lawyer called wanting payment in which I sent proof. This other lawyer wants proof or else when I no longer have proof and it's past the statue of limitations over 5yrs.
I had the same thing happen to me and a couple of days ago... may I ask what has happened or if you responded... because they said they had been trying to serve me and haven't found me at my home... they say I have til Monday to agree to a settlement or they will proceed with the civil case...it's been over 10 yrs on my account and of course don't have proof... I also was told that when I signed my contract with clout I signed a waiver of statue of limitation... just trying to see if they are using the same tactic with you? Any feed back would be much appreciated...
We just had the same thing happen! They're requesting $16, 495 and we filed bankruptcy on this card back in 2009, which only had a $500 limit and it's not on our credit report either