Question about dealing with collection agencies.?
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Ok, I contacted both Credit Management LP and Plaza Associates about a couple of small things that appeared on my credit report. I payed both companies, one by debit card and the other by Western Union. Both places told me that they would fax me proof that I payed the debt in full as I need it to show to my Credit Union in order to get a loan for a vehicle my wife and I wish to purchase. Well, the debts are pain in full, but both places are now saying that they do not provide faxes. Credit Management LP offers proof of payment if you pay for it on there website for cheap, but it does not seem right that one should have to pay for such proof. Plaza Associates has outright refused after saying that they would. Now, I will likely be alright with just showing my bank my copy of the Western Union receipt and a print out from the others site, but are they not required to provide a receipt in a certain amount of time and is it lawful to charge for a letter of payment. Just curious.
Question about dealing with collection agencies.?They are not obligated to provide you with proof of payment. They ALSO have the right to charge for documentation you request. Since they are not in the business of providing these things - they can charge you for them.
Hopefully, you have receipts of payment to these people. Next time be sure to have them for your own records, and send the payments via "Registered mail", and "Return Receipt". That way they have to sign for the letter, proving they received it, and with "Return receipt" YOU are notified that they DID receive it. So if it got lost in the mail, you would know.
:)
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