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Debt Consolidation Forums Collection agencies and creditors

Protocol Collection agency





Sub: Protocol Collection agency
Fri, 07/03/2008 08:50

Hi, I have just received a call from Protocol collection services advising me that a charge card that i had opened 4 yrs ago has been referred to them. They could only provide me with the amount owed and how mucg i could settle for. I have tried contacting HSBC but i get no help from them either. HSBC does see where i called to cancel my account but obviously they had not( Kicker: After the call i made to them in Jan '06 i never recieved an invoice or collection notice to date) So in turn i beleived it was cancelled and taken care of. What should i do from here?



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unclewulf
unclewulf

Posts: 3111
Credits: 31490.6

Sub: #1 +1 to JCEMT's advice. Full validation is very definitely in ordeSun, 03/09/2008 - 07:04



+1 to JCEMT's advice. Full validation is very definitely in order here. You are entitled to see a complete breakdown of what they say you owe. All charges, interest, penalties, etc. Without that information, I would not pay them dime one.

Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]


FYI
FYI

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Credits: 20054.1

Sub: #2 If a card has a remaining balance on it after you cancel it thenFri, 03/07/2008 - 18:00



If a card has a remaining balance on it after you cancel it then you are still responsible to pay it back along with the interest that occurs.

_________________

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JCEMT
JCEMT

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Credits: 19199.8

Sub: #3 I would suggest requesting validation before you pay it.Fri, 03/07/2008 - 16:50



I would suggest requesting validation before you pay it.

Regards
JCEMT


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