Bank Account, Debt Collection?
Here’s the issue I had. Last year in 2007, I received a letter from a debt collection agency, coming at me for a US bank account that I had last used in 2003….and only 100 bucks in the negative. 100 bucks was surprising, and it’s not alot, but my surprise was that it took 4 YEARS for them to contact me. After 4 years, I couldn’t remember if I had closed it in full, or if I had simply left it in the negative. It had been too long, and I no longer had any documentation to prove anything.
I called the agency, willing to work something out, when I got yelled at by the office manager and hung up on. I called back to find out why she was rude, she was rude again, so I told her to take the debt and shove it. I was APPALLED at how rude that woman was to me. This all happened in Missouri. That’s where I lived, that’s where I had the bank account, but now I’m newly married and in New York, and under the radar for another month or so until the information is updated in my credit report.
My question is, what kind of contract is a bank account? Is it Promissory, Open? I won’t know my SoL until I know what kind of contract a bank account is. It could technically be any kind except for Oral. I know the Open contracts are 5 years in Missouri, didn’t think to look it up for New York.
It’s now been 5 years, and I want to know whether SoL applies to bank accounts. I know I’m in the ChexSystems after the incident, but there seems to be an area of gray over bank account debt collection, so I’d really appreciate having this answered so I can get ahold of this company and pay them.
Gee thanks to the top contributor there. Yes, it was ONLY 100 bucks in the negative. Once again, coming after me after 4 years for 100 bucks? That’s not a loss, that’s idiotic. For two, I had every intention of paying that sum of money until the credit collection woman got snarky. For three, I do not recall leaving in the negative, but I cannot remember for sure and no longer have documentation to prove either way. Keep your personal judgements to yourself and get back to the issue at hand.
Jerry, if you can’t answer the question, then shut your mouth.
Mrs. M. I didn’t say paying 100 is idiotic.
I’m saying AFTER 4 YEARS going after someone for 100 bucks is idiotic. Read it next time.