December 13th, 2005


(no subject)

Last February, my parents either sent a check or transferred $1003 into Rob's account, so that a collections agency could collect it from an outstanding credit card I had my freshman year.

This was during a few-month hiatus that I didn't have a checking account, so Rob and I were doing joint checking on his account, but my name wasn't on there. Right around this time, I got my Compass account.

Currently, an agency is calling me saying that the account was not settled in full, and that whatever agency it was merely took the money as a payment, and that I still owe on the balance (which has been adding up since February). The last address they have for me is at Sterling (where I moved out of in July 2004), so I have no idea whether they have been trying to reach me or not.

I couldn't find the letter they sent saying my card was paid off/settled in full. I don't know the name of the company, which this current guy is saying is the first step to finding out what happened with all of this, since I was definitely assured that the account was settled, and I was through with it forever. So you can imagine my surprise when "Mr. Morris" called me today to say I owed money to his agency who just "bought" my account.

So, to get this information, I first searched all over my bills/etc. looking for something relating to this. When I found nothing, I tried calling Rob. He hung up on me. Tried calling again and left a message, and then I sent him an e-mail in the hopes that he'll actually read it and because he's a good person, send me the information that I need (just the name of the agency).

So now, I'm not counting on any hope from Rob, and trying to get back in touch with this "Mr. Morris" guy, and .. get this... I wait on hold for about ten minutes, and then I get hung up on, during the wait music. Three times so far. WTF. I called back a fourth time, and "the whole floor is in a meeting" according to the woman who answered the phone. But still, why would the machine/a human hang up on me? This is very very frustrating.

Before, he said he'd try to work something out. I don't think the man understands that I really have NO money to spare. I don't even have $25/mo to try to pay back this thing over many many years. The amount they say I owe is $680! Which has apparently had 30% interest, and has been collecting since .. well, a long time ago, but hasn't stopped at all since February. WHAT. THE. FREAK.

So now I'm financially messed up, emotionally messed up (a la Rob) and extremely upset at whatever company lied to me and told me I was settled in full. And mad at myself, for not keeping records of all of this, or atleast not taking the records to Tallahassee with me.

(no subject)

Looking through old entries trying to find exact days for this stupid collections crap, I found the Face Transformer that many of you wanted to use. It's where my "botticelli" user pic comes from. It's really really neat, I encourage everyone to go check it out. You can see how you would look white, black, Indian, Chinese, old, young, opposite gender, manga, painted by Botticelli, etc. Check it out :)

(no subject)

Thank the LORD.

In a frenzy, I looked through every single paper in my files, very carefully, one by one. I found a letter from Associated Recovery Systems, the agency I paid $1003 to, to settle in full. The letter doesn't state that the debt was settled in full (it merely gives the day that they were going to take the money from my account), but I called the number on there (thank goodness that I found the name and number) and spoke to a nice woman that said she would fax over the report/letter that said that this was settled in full, and that I could send it to this other collections agency.

Thank freaking goodness. Even though he said he did, I could tell that the guy who called me from Calvary didn't believe that I was telling the truth about the account being settled in full. In about half an hour when this woman faxes me the sheet, and then I send it to them, I intend on gloating hardcore (to myself)

So now I'm just waiting for the fax. Talked to Alden, he told me I didn't need to come in today, so I have the rest of the day off to breathe and relax, and calm down my hyperventilation. I just really wish I had found this paper earlier so that I wouldn't have had to e-mail or call Rob about it.

ADDENDUM: Associated Recovery Systems sent me the letter saying that the account had been settled in full, which I sent to Calvary (which, btw, does not have a very good standing with the Better Business Bureau). I just hope Calvary looks at it and does whatever they need to do.

I also got a copy of my credit report from Equifax. I don't know my score, but I have one account and in good standing, and one closed account-- both the exact same credit card. I also apparently have $63 that is unpaid at Shands? My parents paid that in 2003. Other than that, there's nothing. No "negative account history" or anything like that. Nothing from Bank of America, nothing at all otherwise. Not even my good (cell phone, etc) accounts. I obviously don't have a mortgage, my car is in my dad's name, and thats the only credit card I ever had.

Latin teacher retiring :(

Sorry for so many updates. It's been a LOOOONG day.

I've been exhausted for hours, willing myself not to go to sleep so I wouldn't wake up in the middle of the night, bored, go back to sleep and sleep till noon. Nu-uh, no way.

Tomorrow AT noon, actually, I have to be at Godby, in Mrs. Walper's classroom, picking up plaques, trophies, medals, what have you. Actually probably not so much with the trophies, but definitely my plaques and pictures, and maybe some old projects of mine. Walper is retiring, I'm so sad. Which reminds me, I need to ask Sara about a retirement present-- should we get her one? I had her for five different classes! (Latin I-IV, Web Design) and she had a huge impact on my life. But what? Matthew, Vivi, anyone else who had her-- I'm looking at you for ideas. Or anyone else, really. Suggestions?