Vital Recovery Services Pt.3

“Ms. Bats, I can hear you are frustrated so let me offer you this…I will cut your payment plan down to $100 a month, it’s the same payment plan we offer those on social security.”  Okay apparently that was suppose to be a good deal and after telling Ms. Cleveland that I only have $133 to my name and have not gone grocery shopping yet, she decided to add, “I need to you to pay six months at a time…”  I didn’t even let her finish, “I’m sorry Ms. Cleveland did you just ask me to give you $600?  I have told you numerous times now about how much money I have…”  At this point I have been on the phone with her for at least 45 minutes and I am frustrated, I feel like she’s talking me in circles and I am sick of repeating myself so my voice is raising along with my blood pressure and I’m about to lose it.  “Yes, it’s our company policy and VW wants to make sure they are going to be paid, we call it a good faith payment.”  I know what a good faith payment is and I have never been asked to pay one for such a high amount, so I do what any broke SAHM would do when they feel like they aren’t being heard and are sick of repeating themselves…I lose it and I lose it in a big way!  “Look,  I AM GOING TO TELL YOU ONE LAST TIME…I DO NOT HAVE ANY MONEY!  I HAVE $133, HAVEN’T GROCERY SHOPPED YET NOR PAID MY MORTGAGE…I HAVE A LEAKING WATER PIPE OUT FRONT THAT IS GOING TO COST AT LEAST $1000 TO FIX, I OWE THE STATE BACK TAXES NOR HAVE I PAID MY TAXES FOR THIS YEAR, I NEED TO PAY THE WATER BILL, ELECTRIC, AND PHONE BILLS BEFORE THEY GET SHUT OFF.  I DO NOT HAVE ANY MONEY FOR YOU AT THIS TIME.”  I’m screaming, crying and just plain pissed off this lady thinks that she’s going to take my last bit of money for me, I mean shit it’s the end of the year, I have two kids that still believe in the magic of Santa Claus, I’m about to lose my house and she wants me to give her $600 towards a car that we don’t even have nor own any longer.  I’m pissed and my claws have come out.  “Mam, you need to calm down, I understand…”  She obviously doesn’t which makes me lose my mind even more so I start cussing at her too!    “You obviously do not understand that I have no fucking money!  because you keep telling me that I need to pay you some huge amount that I keep telling you I do not fucking have.”  At this point I think I am flustering her with the F word so she tries a different approach.  “Ms. Bats how about you try and calm yourself and tell me what you are comfortable with paying today.”  I sigh and tell her that I can pay her $10  today, that is all the money that I am going to take out of my funds, with 2 kids I spend about $120 a week in groceries, my husband spends that same amount in gas every week so we are screwed anyway.  It turns out that $10 isn’t good enough and she starts hammering me for more money.  At this point I am crying, sobbing, and can not believe I am still on the phone with this woman…now I hear her telling me that I can not avoid this debt, I have to pay this debt whether it be voluntarily or not, I am going to need to come up with the money and it’s going to be now…”Let me get my manager.”  I hate those words because it means I am going to have to go through that whole conversation again, just with another person.  This time a man gets on the phone, he has a deep intoxicating voice and I hear him say, “Ms. Bats, my name is Mr. Cole and by the end of our conversation you’ll be calmer and we will have this whole thing figured out.  Okay?”  Oh shit he’s going to hammer me in a smooth style.  Which he did but I ended up making only a $10 payment, $15 because of the processing fee.  BUT after that he says he NEEDS another phone number, a second number it can be a friend or relative, a neighbor or an employers number.  UNFUCKINGBELIEVABLE!  I end up giving them my husbands office number but they will never get him there nor will they ever speak with me there. 

I am exhausted just from thinking about all of this again.  My mortgage company doesn’t even hammer me this hard.  Yesterday my phone started ringing at 8am and rang every 20 minutes until 9pm…Guess who it was?

JM&A, VW, & Vital Recovery Services Part 1

It seems that bill collectors have decided that they need their money right now, right this minute or the Earth might explode or something.  No sooner did I finish and publish my post this morning about how I am bored then the phone rang, I figured it was a bill collector but had no clue which one or how vial they would treat me. 

Before I continue that me give you a little history behind this debt.  At the beginning of the year my hubby totalled our VW Jetta.  When we purchased the car a couple years ago we made sure we purchased GAP coverage just in case we would need it and actually purchased the Premium coverage to make sure we would be covered completely.  Well this coverage was through a company called JM&A, Jim Moran and Associates, they offered it at the dealership and we decided it was a great idea for us since my hubby drives all the time. 

Well it has been the biggest pain in the ass to deal with.  The GAP company has not and will not pay the car off, we ended up having about $3000 left on the car loan and they paid about $1000 of it and left us with the balance.  I had been dealing with VW about the remaining balance and they were being very gracious to us understanding the situation.  Well they decided not to be gracious anymore so gave our account to a company called Vital Recovery Services.  I just received the first letter from them yesterday and hadn’t had a chance to respond in any way, shape, or form.  So I guess I was being slow about it, you know 24 hours is a long time to wait.  They called me this morning and I had the pleasure of speaking with Ms. Cleveland from Vital Recovery Services.  She beat me down like I was a stray dog she wanted to kill.  I have never been more insulted in my life.  I normally deal with all of the bill collectors in a pleasant manner but by the middle of the conversation with her, I had nearly lost my sanity!  She placed words in my mouth, she lied to me about what I had been saying and let me know “you need to take of this debt now or I will be forced to take further action.”  Such as what Ms. Cleveland, court?  our credit?  You don’t frighten me with that considering where we are now.  She scammed me into her filling out a “hardship aggreement” which I did not agree to!!!  She told me that she would let me know what my two choices of dealing with this would be a “hardship aggreement” or a lump settlement, I let her know that I wanted to know both numbers before I make a choice.  Upon her letting me know what the “hardship aggreement” terms would be, she let me know that I was now locked into that and HAD TO PAY IT TODAY.  Ummmmmmmmm no, that’s not what I agreed to. 

Apparently by the way, “everyone has money it’s just getting them to pay it.”  No Ms. Cleveland not everyone has the money, you just steal it from them in a greedy, bitchy way.

I have so much more on this and I had awhile ago said that I wouldn’t call any company out by name on here but well now I’m going to.  I’ll have get to part 2 tonight or tomorrow.