Collections, Payments, and Pre-Paid Cards
ok a few questions: I'm financing a car for the first time ever. I would prefer to not have had to but at the time it wasn't an option and I had to jump through so many hoops to get the financing to actually happen it was ridiculous. So they've been harassing me. Literally. And not just me. Even if I make a payment they'll still have automated messages calling and the collection department of the company calling until I have them look up in the computer to see that it really has been paid. In addition they haven't just been calling me, they've been calling relatives, old places I used to work and never gave them the number for (that aren't even listed on my credit reports), places that have helped me with financial management, and even an ex-girlfriend of mine that I haven't spoken to in a year and a half and I DON'T EVEN HAVE HER NUMBER and never called them from her phone (cell phone) nor did I ever use her number as a contact number. So what exactly are they allowed to do in these regards? HOW do they get these numbers? Isn't this harassment? Also I worry about my privacy and such because I don't know who else they are calling or what information they are giving out! This is just the tip of it but can anyone help? My latest payment is being sent to them by check, I've told them that since before I mailed it yet they still persist with the calls several times EVERY DAY! The most recent call I received was from someone who barely could speak English (this is a fact, wasn't even broken English, just no grasp of it) and sounded almost like a stereotypical mafiosi from the movies with the way he did speak. He insisted I give him the cheque number (I don't have the number and don't see what difference it would make anyway, the postal service is what is holding it up not the bank). The payment is for the next 6 months as well, and I've conveyed that to them several times, originally they said that was ok and it would be applied as such and not just as a big payment. Then after the cheque was written and mailed they changed their story several times in one call saying that legally (first) then company policy (second) didn't allow them to accept payments more than 3 months in advance, so the remainder of the payment would just be applied to the rest of the loan. Is that legal? It seems that if I tell them a payment is for a certain thing it should be applied as such. The purpose is to ease my financial pressures for the next 6 months and allow me to try and get back on my feet even just partially. Anyone on this aspect? In addition I received (for the first time in a long time, probably because I just got my free credit reports for the year) an offer for a Pre-Approved credit card through Premiere Bank. I figured why not see if I'll actually BE approved, filled out the information, answered the questios, said I should receive confirmation in the mail unless for some reason I am not approved (yeah, pre-approved sure...). So anyone familiar with that Bank? Or Pre-Approved Cards in general and what the chances are of me being NOT approved for it after filling out the information? Thanks very much and sorry about the long post.