When i received the call, there was silence and then a voice said loudly, HELLO, i said, HELLO, she said, Is this Tamika, I responded yes... I could tell that this was not going to go well. Here we go, I received a call today about 11:45 a/m. CST from a collections representative in regards to an amount of $800.00 being past due on my car note 33 days. I informed her that $380.00 was paid by Money Gram 1/18/2008 and $200.00 was set up online Sunday for the total December loan of $571.00. She informed me that she did not care about the $200 until she saw the payment post, my account was still in collections. I asked if I could give her the online confirmation #, she said that it did not matter until the payment posts I would remain in collections. She asked why I was late, I informed her that I did not have the money right then and where was the car located. Trying to intimidate me, i asked if she was going to pick up the car, she said no. She asked did I get hours cut at work or something like that, I told her no. She screamed at me why don't you have the money. I am a very personal person and i don't offer information to strangers at all.
I lost my cousin, more like my brother on New Year's Eve and I was out of town for almost 2 weeks. I am just now starting to get things together. She put me on hold and came back to inform me that I was not eligible for an extension... first of all, I did not ask for an extension. She then went on to say that I will still be in collections for the January payment (due 1/19) today is 1/22. She asked when I would be able to pay it, I gave her a date and she asked very sarcastically, "Well is next months payment going to be on time?" I politely said "I hope so", thanked her for calling and hung up.
I know these people have jobs to do, but I am in collections and I know that you can get more with respect than you can with disrespect and spiteful attitudes. I am tired of this and called today to see if I can trade in my car or have my credit union to refinance.