About a month ago I got a call on my cell phone from someone representing PRG regarding a debt from March of 2004 with a Check n Go in Harrisonburg,VA. I immediately told the person on the phone that I have never lived in Harrisonburg,VA or anywhere within an hour of the town, or have ever used a PDA company, and that if the debt is valid I would like them to send me something in writing. The guy on the phone then proceeded to start asking questions like who my employer was, what was my ss#, and etc. I didn't answer any of the questions. Then I realized they were calling me on my cell phone number which happens to be registered under my wife's maiden name, to which I asked how they got the number, and he wouldn't answer the question. After asking once again for them to sent me a letter proving the debt was valid he hung up.
Fast forward a week, they call again and tell me that if I don't settle the debt immediately that Check n Go will pursue legal action against me unless I pay the amount owed. I kindly asked how much the debt was for seeing as how in the first call they we're interested in asking questions that didn't pertain to the debt at all. He said it was for $367 and some change. I then asked if this debt is from 2004, and its 2010 why is this the first I am ever hearing of it if it is real, he then proceeded to give me some BS story about how they have been trying and trying to contact me. Which is another load of BS. After asking for another Debt Validation Letter he refused but said he could put me on the phone with the company and they could verify the debt, I laughed and told him I am aware of how companies like the one he represents love to pull a bait and switch, and actually get someone in their own department or something of the likes to pose as a employee of the company that I supposedly owe money too. His reply was that if I didn't want to do that, then I could settle right now over the phone for $190, I then hung up.
Fast forward to today. I get a call again from them claiming that I owe them money, and if I didn't pay that they would take me to court and make sure my *** pays up, and that they will make an example of a dead beat that won't pay up on a $367 debt, and that I needed to stop being cheap. I then asked for their address to send a C&D letter to which the lady responded by hanging up on me. I called back three more times, getting hung up on again twice before being cussed at by the employees before someone finally gave me a address that I'm not sure is even valid.
I know this is a long post, but I figure if I can get all of the information out up front then it should hopefully be easy for someone to advise what is the best course of action to pursue against these people because I am sure how they talked to me on the phone is beyond what they are allowed to do, and if someone has a known real address for these people. Thanks in advance.
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