| 11/24/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/2023, I was provided with written acknowledgment from Danoks, Gordon and Tucker to repay a debt in the total amount of {$2600.00} ( including fees and interest ). As of XX/XX/2023, I entered a written repayment plan to make 7 payments of {$370.00} to satisfy the amount owed with the first payment applied in XXXX. My first payment was made on XX/XX/2023, making the agreement effective and I have made a payment each month since that time ( as agreed upon ). As of XX/XX/2023, I received a new notice from XXXX XXXX indicating that the amount provided in writing on company letter head would not be honored and was no longer valid. She indicated that the debt amount had increased due to interest. There is nothing in the attached agreement or email ( from XXXX XXXX on XX/XX/2023 ) indicating that the amount owed would increase based upon a pier diem. In fact the amount of {$2200.00} does consist of interest as outlined in the written agreement, on company letterhead. I will continue to make a total of seven payments to satisfy the amount of {$2600.00} owed. However, a company can not provide an agreement and then change the terms of the agreement without notice. It is the responsibility of the debt collector to uphold the agreement as outlined. And this is not the case. At no time was I previously advised that the amount of the original debt would change based upon a daily interest. I was not advised the rate of daily interest or any other additional terms. Please review this matter to ensure that it is indeed within legal limits. I have asked for XXXX XXXX for documentation that I was provided indicating that the amount of the original debt would or could change based upon a daily interest rate from the collection agency and that has not been provided. This was requested on XX/XX/2023 and I have yet to receive anything were that was provided during the time I entered into agreement on or after XX/XX/2023. Nor is it outlined in the notice I was provided on XX/XX/2023.
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| 06/19/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In XX/XX/XXXX I moved into the XXXX XXXX XXXX and prior to closing or anytime thereafter I was not provided with a copy of my HOA guidelines. Nor I have I signed any guidelines in agreement with my HOA. Per Virginia state Real Estate law, the seller is responsible for providing a copy of the HOA bylaws prior to closing and they must be signed. If not, the sales transaction can be deemed as unlawful.
In late XX/XX/XXXX, I received a notice indicating that my HOA dues were past due. I immediately sent a payment on XX/XX/XXXX for an amount of {$260.00}. As of today, XX/XX/XXXX, I received a letter from an attorney 's office of XXXX, XXXX and XXXX requesting a total amount of {$2600.00} ( {$2000.00} pro-rated HOA dues, {$520.00} attorney fees and an interest rate of 18 % ). I was advised that as part of the HOA bylaws the pro-rated amount for HOA dues can be requested. At no prior point was I made or aware or agreed to those terms as I never received a copy of my HOA by-laws which would detail this information.
As a result, I do not think the terms of this collection notice is legal, and I would like this investigated.
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