skybytch 273 #1 May 20, 2004 Yeah, I know my credit card payment is a couple days late. Shit like that happens when you have to skip a paycheck. No worries though, I have the money now and it's going out tomorrow. My question is... can the credit card company legally call me regarding a late payment at 11 pm on a weeknight??? I swear they've called once an hour since I got home from work today. I finally answered the phone the last time just to find out who was being so damn insistent but won't leave a message (gotta love caller ID) - and then when I tried to explain that I was on my cell and it gets bad reception but I did want to talk to them, the person said sorry and hung up. I didn't even get a chance to bitch at them for calling so late! . Quote Share this post Link to post Share on other sites
CrazyRock 0 #2 May 20, 2004 i don't think they can.. i think in most places the cutoff time is 9:00 pm- at least for telemarketers anyway. i would think the same thing applies to them tho. -Seth :) Quote Share this post Link to post Share on other sites
jceman 1 #3 May 20, 2004 They're supposed to stop at 8 at night -- but since they're on the left coast and your cell phone is a left coast area code, I guess they thought they were in the clear. Faster horses, younger women, older whiskey, more money. Why do they call it "Tourist Season" if we can't shoot them? Quote Share this post Link to post Share on other sites
Gawain 0 #4 May 20, 2004 QuoteYeah, I know my credit card payment is a couple days late. Shit like that happens when you have to skip a paycheck. No worries though, I have the money now and it's going out tomorrow. My question is... can the credit card company legally call me regarding a late payment at 11 pm on a weeknight??? I swear they've called once an hour since I got home from work today. I finally answered the phone the last time just to find out who was being so damn insistent but won't leave a message (gotta love caller ID) - and then when I tried to explain that I was on my cell and it gets bad reception but I did want to talk to them, the person said sorry and hung up. I didn't even get a chance to bitch at them for calling so late! . They are breaking the law. They also should not be calling you on your cell phone. The next time they call, (or you can call them) you can instruct them which numbers they may/may not call. They cannot harrass you like that.So I try and I scream and I beg and I sigh Just to prove I'm alive, and it's alright 'Cause tonight there's a way I'll make light of my treacherous life Make light! Quote Share this post Link to post Share on other sites
skybytch 273 #5 May 20, 2004 QuoteThey're supposed to stop at 8 at night -- but since they're on the left coast and your cell phone is a left coast area code, I guess they thought they were in the clear. Okay, that makes sense then. Guess it's time to give up that Perris phone number and get a Florida one... QuoteThey also should not be calling you on your cell phone. My cell was my only phone for awhile and I didnt really want them calling me at work (cuz I kinda have to answer the work phone when I'm there ) so they did have my permission to call me on it. . Quote Share this post Link to post Share on other sites
Gawain 0 #6 May 20, 2004 QuoteQuoteThey're supposed to stop at 8 at night -- but since they're on the left coast and your cell phone is a left coast area code, I guess they thought they were in the clear. Okay, that makes sense then. Guess it's time to give up that Perris phone number and get a Florida one... QuoteThey also should not be calling you on your cell phone. My cell was my only phone for awhile and I didnt really want them calling me at work (cuz I kinda have to answer the work phone when I'm there ) so they did have my permission to call me on it. Give them your home number. They should've known better if your billing address is in Florida. Don't give them an inch. So I try and I scream and I beg and I sigh Just to prove I'm alive, and it's alright 'Cause tonight there's a way I'll make light of my treacherous life Make light! Quote Share this post Link to post Share on other sites
TomAiello 26 #7 May 20, 2004 When I was in Norway last summer, I got a call on my cell at about 3am. It was from a telemarketer in the states. To add insult to injury, the calls cost me about a dollar a minute.-- Tom Aiello Tom@SnakeRiverBASE.com SnakeRiverBASE.com Quote Share this post Link to post Share on other sites
skybytch 273 #8 May 20, 2004 QuoteTo add insult to injury, the calls cost me about a dollar a minute. I answered mine once when it was on analog roam; it was a wrong number than ended up costing me a couple bucks. So now I never answer it when it's "roaming", and I usually won't answer it at any time if I don't recognize the phone number of who's calling - if it's important enough they'll leave a message... or keep trying until I eventually answer just to find out who the hell is buggin me! . Quote Share this post Link to post Share on other sites
flyangel2 2 #9 May 20, 2004 Quoteif it's important enough they'll leave a message... or keep trying until I eventually answer just to find out who the hell is buggin me! Kind of what I do to you I just leave a long ass message.May your trails be crooked, winding, lonesome, dangerous, leading to the most amazing view. May your mountains rise into and above the clouds. - Edward Abbey Quote Share this post Link to post Share on other sites
NicoNYC 0 #10 May 20, 2004 Maybe they're in a different time zone. I would call back and speak to the mgr and let them know what time they called you at (your time). It may be an honest mistake. If an account is not active or has been closed you can call them back and tell them to stop calling you. How many hits of adrenaline can you take? Quote Share this post Link to post Share on other sites
diablopilot 2 #11 May 20, 2004 QuoteI just leave a long ass message. Mar leaves *good* messages!---------------------------------------------- You're not as good as you think you are. Seriously. Quote Share this post Link to post Share on other sites
flyangel2 2 #12 May 20, 2004 Oh please tell me you erased that message.May your trails be crooked, winding, lonesome, dangerous, leading to the most amazing view. May your mountains rise into and above the clouds. - Edward Abbey Quote Share this post Link to post Share on other sites
diablopilot 2 #13 May 20, 2004 "Now playing on the Perris Manifest PA system: Mar!"---------------------------------------------- You're not as good as you think you are. Seriously. Quote Share this post Link to post Share on other sites
slug 1 #14 May 20, 2004 Last night a friend apologized for not answering his cell due to the volume of the tunes in his car. We came up with a sick cell phone gag, request to be buried with your cell phone and have your friends call the number during the viewing or at the graveside Hmm candid camera? R.I.P. Quote Share this post Link to post Share on other sites
TheAnvil 0 #15 May 20, 2004 I'm not a lawyer, but I know they are not supposed to call you that late. I believe the Fair Credit Protection Act is the pertinent reference. I would make a note of every time they call and ask that they keep all future communications on the matter in writing. Vinny the Anvil Post Traumatic Didn't Make The Lakers Syndrome is REAL JACKASS POWER!!!!!! Quote Share this post Link to post Share on other sites
flyangel2 2 #16 May 20, 2004 Okay, what do I have to do to keep that message from playing on the airwaves out at Perris? I'll start with buying you a beer tonight. See ya soonMay your trails be crooked, winding, lonesome, dangerous, leading to the most amazing view. May your mountains rise into and above the clouds. - Edward Abbey Quote Share this post Link to post Share on other sites
HRHSkyPrincess 0 #17 May 20, 2004 No, they cannot call you that late. Check your own state's debt collection laws, which may or may not be tougher than the Federal laws. Debt collectors are nearly bullet proof because there are little or no penalties for their illegal and often unethical practices. Some will call neighbors you don't even know, churches within a certain radius of your home, and are trained to be aggressive to the point of threatening on the phone. Yes, there are folks out there who are trying to escape paying honest debts, but there are also honest people whose names are being tarnished by debt collectors. I hear horror stories daily since I work for a state agency that often receives calls regarding debt collection practices. How do we stop them? Write your legislators and INSIST they write and pass the laws to protect us from these unscrupulous/illegal practices. Laws that include civil penalties for violations and are enforceable. I'll get off my soapbox now....thank you for listening.***************** Attitude is everything! Quote Share this post Link to post Share on other sites
dbattman 0 #18 May 20, 2004 If it's a bank they can pretty much do whatever they want. Fair Debt Collections Practices (or whatever it is called) only applies to collections. Quote Share this post Link to post Share on other sites
diablopilot 2 #19 May 20, 2004 QuoteI'll start with buying you a beer tonight. Well I'm not drinking right now so I'll take a Pepsi, but still it ain't much of a bribe..... We'll figure *something* out...---------------------------------------------- You're not as good as you think you are. Seriously. Quote Share this post Link to post Share on other sites
flyangel2 2 #20 May 20, 2004 QuoteWe'll figure *something* out... I'm sure we will Okay, no more talkie to you. On my way out the doorMay your trails be crooked, winding, lonesome, dangerous, leading to the most amazing view. May your mountains rise into and above the clouds. - Edward Abbey Quote Share this post Link to post Share on other sites
slug 1 #21 May 20, 2004 Hi Skyprincess & Bytch Thank you for the reality check. I knew there was a law that had been passed to prevent these "Questionable business practices" that made them illegal. The legislative route is the long term solution. However our childrens children may be the ones who see the results. Now that we all know the "rules of the game" the dark side has lost some of their advantage. Two month's ago I recieved a call from a telemarker and just hung up the phone. That company had been hired by my phone company. I complained to my phone company & reminded them that I had complained prior to the passing of the law and was on the national do not call list, and didn't appreciate being called on a weekend after the law was passed. The phone company admitted that they had a "problem" with their telemarketing agency and asked if I wanted to talk to a supervisor. I declined but asked for some financial consideration on my next phone bill due to the hassle factor. $5 credit on my next phone bill.IOW try for short term relief & try complaining to who ever you owe the money to. Threaten them with the loss of you business and small claims court and ask them for a credit for your bill. Then just keep a nasty whistle by your phone and when the colletion agency calls again use it! Power to the people!!!! R.I.P. Quote Share this post Link to post Share on other sites
chuckbrown 0 #22 May 20, 2004 QuoteIf it's a bank they can pretty much do whatever they want. Fair Debt Collections Practices (or whatever it is called) only applies to collections. Fair Debt Collections applies to anyone attempting to collect a debt, even a bank. Banks are actually more sensitive to unfair collection practices that other creditors; they don't like the publicity of getting sued. Quote Share this post Link to post Share on other sites
akjmpplt 0 #23 May 20, 2004 Quote My question is... can the credit card company legally call me regarding a late payment at 11 pm on a weeknight??? I swear they've called once an hour since I got home from work today. I'd be more concerned about them bumping the interest rate up since you've had a "late" payment. Some of the penalty rates are as much as 25%.SmugMug Quote Share this post Link to post Share on other sites
dbattman 0 #24 May 20, 2004 Full text of FDCPA Scroll down to 803(6) for a list of definitions of 'debt collector.' An entity collecting for itself in it's own name falls outside the reg. Not saying I think it's cool to call at 11pm, but it's not illegal in this case (provided it was the actual bank calling). They called at 11pm because there was a really good chance she was home. Quote Share this post Link to post Share on other sites
chuckbrown 0 #25 May 20, 2004 second line of defense Most banks don't collect in their own name. They hire collection agencies. Or repo men. Quote Share this post Link to post Share on other sites
