Think I'm better

[maderr]

But I'm still not drinking beer tonight, which is just thoroughly depressing but the last thing I need after all this is booze on my stomach.

Watching Nero Wolfe, attempting to write. was lazy and spent most of the day in bed, but urgh didn't feel brave enough to try anything but water 'til eleven or so.

Okay, SMP story is going to get pwned goddammit.


EDIT

*cries* I should have known the day couldn't go without something going wrong. Got something in the mail saying that a company bought my debt from Bank of America and now they have control of my debt except I don't have a debt I paid all mine off so I have no fucking clue where this all came from and fucking hell I dont' have that kind of money and could JUST ONE THING PLEASE GO RIGHT FOR ME.

I am so very tired of breathing.

Comments

Don't panic.

[chris-king-2005.livejournal.com]

*puts on the banker hat*

Breathe, sweet pea.

If you've paid your debt, then you should have documentary evidence of the same... cancelled checks, the actual "note" or loan agreement, which the first bank should have sent you when the loan was paid off, receipts...

No matter how electronic and advanced the world may be, banking of any kind produces a paper trail. It may very well be a pain in the ass, but don't panic. Write them. (Do NOT call. Calls are hard to document. You can take a photocopy of a letter, or archive a copy of a sent email. Send it 'receipt requested' by snail mail, or get a receipt via your email client....) Write the new company and state the facts: The debt they are referring to was paid off in full on thus and so date. Send a copy of the receipt if you have one - if you paid by check, you can send a copy of the cancelled check.

*pets*

Scary and annoying, but relatively easy to deal with, aside from the entirely legitimate pain in the ass factor.

Feel free to email me if you want more details. After twenty years in the industry, I've never seen a sale of a loan portfolio or a computer conversion or a merger that wasn't a massive clusterfuck. Believe me, the buying bank should know this. There should be procedures and policies in place to deal with situations like yours.