I have a debt where the OC it Citicard. It went to a CA and is now to another CA. I received there letter in Jan. but did not respond to it as I didn't know my rights. I called to make payment arrangements thinking there was nothing else I could do. I allowed them to take 3 payments (1 per month). Now the arrangement has ended and they are calling and have sent a letter to continue payments. When I look at my CU statement, the debits say they are from Citicard. "TRUST CITICREDIT UCBCITI", then my name. The CA's name is United Collection Collection Bureau, Inc. out of Toledo, OH. And of course, they acted very professional with a 3rd party to witness and doc the payment arrangement.
Now of course, they are calling to make another arrangement and sending mail telling me that I need to do it again. They even are quoting FDCPA stats.
Although I do owe money, I do not believe that I owe as much as they are saying. I don't know what step to take now. Do I still try and send a VOD letter? Thx.