Debt collectors just don’t understand.
I haven’t received anything recently (i.e. letters, phone calls, etc.), but they just don’t understand.
Of the many, many, MANY phone calls I have had with this one company who keeps calling me (but hasn’t within the past week and a half, thank God), the conversation usually goes something like this:
LADY: Miss Lawson, we can drop the amount due to $87 if you make a payment today.
ME: Using a credit card?
LADY: Yes, that’s how you can make it today.
ME: I’ve already said that I don’t have the money to make any kind of payment. You’ve said your minimum is $20, monthly, and I can’t even do that. Aside from that problem, I’m very anti-credit card payments over the phone.
LADY: If you don’t pay it today, then it will increase, and we’ll have to turn it over to the police, and you could go to court.
And that is why I don’t talk to them anymore. Because they threaten me. I’ve requested that they allow me to send a check, but “there is no guarantee that we would receive it, so we have to do credit”. And their website is complete shit. Like, it’s really shitty. Picture a website from 1999, and that’s what it looks like. It makes me sick just looking at it. I’m not gonna trust a company, no matter what it is, if their website looks like shit.
Note: If you have a shitty website, say goodbye to your integrity and credibility!
All of this started when my original AVON county person just never returned ANY of my emails, causing me to contact AVON (who wouldn’t let me email them, which forced me to call them, which then led to support persons saying that my account would then be terminated) and having an even greater mess created.
A piece of advice: The “AVON won’t let you leave” thing is totally true. They don’t want you to leave, and when you try to leave, you won’t have ANY help, so of course you’re gonna go into debt. And then debt collectors will call you. And they won’t care what time it is. And they’ll threaten you. And they’ll try to scare you.
I tried to explain what had happened to the lady who ran my “case” who called me. I really did.
ME: This is actually a huge misunderstanding. I even tried to contact AVON many times after my account closed to explain what happened, and I couldn’t find anyone who would help.
LADY: Yes, because you see, AVON hands overdue fees over to us to deal with. You can’t contact them about this again.
ME: I get that, but I tried to contact them about a week after my last order came in. I know how it works. It was a misunderstanding, and now I owe all this money because no one would help me and listen to the problem I had. And now I have to pay money I don’t have in order to fix someone else’s mistake.
LADY: Exactly. So, how much would you like to pay today?
ME: I just said I don’t have money.
Sarah1, if you don’t pay today, we’re going to have to call the police. You’ll have to go to jail until you pay this debt.
I hung up. They called back from a different number. The voicemail included their information.
I hate them so much. They’re so shady and expect the people to comply. And if you work as a debt collector and have to deal with people like me, I have zero sympathy for you.
I’m aware that they’re not allowed to threaten me, but that doesn’t stop them. It’s went on for a year, and now I’m just ignoring them. They got the house phone when AVON only had my cell phone number. That’s a lot of stalkery. And I’ve had some major stalkers, but they take the prize.
- BARF. ↩