Enhanced Recovery Corporation / Why such rudeness?
Years ago I had a Spiegel credit card... And like most women I used it! However, I was in a dispute with them at some point for fraudulent charges... after some time and a never ending battle... the communication stopped... I had yet to hear back from Spiegel. Turns out Spiegel filed for Bankruptcy. After a couple years I forgot all about it... no contact... out of mind. Yes... stupid me! It recently showed on my credit report that I owed so much money and it stated it was recent.
I turns out, my account through Spiegel went to a couple different companies before ending up at Enhanced Recovery. It is funny, I have lived at the same address for about 8 years and not once received anything stating my account was turned over... Again stupid me.
I contacted Enhanced Recovery, spoke to a Mr. Abrams... explained my problem and informed him I wanted to rectify this ASAP. A offer was presented however I can not afford $800 in 3 easy payments in under 90 days... .I stated after much back and forth discussion I would have to call back later that day and try to resolve this issue. In the mean time when I informed Mr Abrams I have not received anything in the mail or any such phone calls, and could he fax, email or mail me some information to ensure they were indeed legitimate... Mr. Abrams stated and I quote... "We have already sent you enough information" OK... But I haven't received it!!!
After a couple hours I called back, my account was placed with a 'higher up'... why I asked? ... because I refused to pay up. WAIT A MINUTE... I DID NOT REFUSE TO PAY! I needed some time to figure things out. After then being lectured about checking my credit report and spending money and taking care of my responsibilities... .I then explained I wanted to rectify this... after again much back and forth Carla stated she could offer me a settlement of 50% of the balance... Fine. If this will make it finally go away... so in the midst of the agreement... I hear a "uh oh... I can not offer you this settlement" Ooookkkkkkk... now what... "
I asked for their clients name so maybe I could contact them and attempt to work this out since I was clearly getting NOWHERE! I was told I had no business to know the company and I could not contact them. But it is my account with them???
So after a minute I was offered a 'hardship' pay off the balance in 24 months... OK FINE, Let's just get this over with. So I asked if I could have something in writing explaining our agreement and what the payments would be... no not allowed. I was actually told it was not allowed. I am trying to work this out and I can't have anything in writing??? HAS ANYONE EVER HEARD OF SUCH A THING? OK, so I made a mistake, a big one but now I am trying to fix it. For my protection isn't it best to get any type of agreement in writing?? Anyway, I was told I needed to settle right now. I again stated I would have to call back. Why nothing in writing? Why such rudeness? Why? They were so rude, mixed my words and made me feel like I was a worthless piece of nothing because of a bad debt. You would think if they wanted their money, they would work with me a bit better. And get me something in writing.
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