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OK ST....I need some thoughts on a financial matter thats come up.....

Posted by Walt_Disney (aka Walt_Disney) Jan 13 '11, 10:56

A collection agency is harrassing me about a Citifinancial card that I supposedly owe money (they say its $970). I did once have Citibank CC but I have not used it for over 10 years and gave it up when I was bad about paying bills.

It does not show up on any of my credit history reports but they periodically check my credit history which is affecting my credit score. I have asked them repeatedly to send me something that shows that its me that owes them the amount (they do have my correct Social Insurance Number and other stuff like that).

I think its crap that something comes to me over 10 years since I had the CC but I have no way to prove that I pay something off thats over 10 years old. I keep good financial records now but not that good.

Should I ignore them or should I pay it?

Responses:

also, look up your province's Collection Agencies Act to find out your rights -- (link) - znufrii Jan 13, 11:07
CitiFinancial /= CitiBank - znufrii Jan 13, 11:04 1
- they took over managing Ikea cards up here a year or two ago when Ikea gave up doing the work. probably other ones too. -- nm - zork Jan 13, 11:07
tell the credit agencies that you are disputing this. this could be yours but also could be identity theft. -- nm - zork Jan 13, 11:02
If they waited 10 years, they're SOL. Tell them prove it or shove it. -- nm - TWuG Jan 13, 10:59
Definitely don't pay it without some form of "proof" that you owe it. Are they able to give you the card #? Anything? - Jim Jan 13, 10:58 3
- I thought I read something that said that there's a time limit on how long they have to sue you, depending on which state, 10 years seemed like the - Krusty Jan 13, 11:02 2
  - There is a statute...but there's nothing confirming they're collecting on that 10 year old card. This could be a newer card that someone opened in - Jim Jan 13, 11:05
  - also could be a scan collection agency making things up based on info they've found and hoping people will just pay up. -- nm - zork Jan 13, 11:03
No pay until I see the proof -- nm - oblique Jan 13, 10:57 2
- And furthermore, I would set their building on fire. -- nm - Spawn Jan 13, 10:58
- yep. -- nm - Mel Profit Jan 13, 10:57

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OK ST....I need some thoughts on a financial matter thats come up.....

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