These people keep calling my house about three or four times a day and I don't pick up. But one day I decided to pick up and say hello may I help you, The company hangs up. I don't know who this company is. I hope they stop calling!
I received a call from this number on my cell phone asking for one of my coworkers and his wife...i told them that they had the wrong number and asked why they were calling. They said it was a personal matter, but asked if i could give them the contact number for my coworker. I said I would rather not give out his information and asked for a number I could give to my coworker to call him back. He said he would just try something else......when I asked my coworker about it he had no idea what I was talking about...fishy!!!!
a grace period is just that, it's not late until you have passed that second date, that's where you are charged fees. If the first date was the actual due date you would be charged a fee.
That's great...however they are in some cases breaking the law, calling before or after the cutoff times (federal law is very clear on this), harassing people who have nothing to do with the loan in question (also against the law) and making withdrawals from your account without your permission (happened to me on more than one occasion.)
I'm guessing you either work for the banking/collections industry or else are a "BOOTSTRAPS!!!11" libertarian and would condone breaking someone's kneecaps over being a day late for a $1 payment.
I have an account with PNC will now be paid off in 17 months, I was going to payoff this May, but now they have started calling me 4 or 5 times a day this month. I am not past due and have never been late, I repeat I have never been late. However the interest on the loan was front loaded and now payment mostly applied to principle. Could this be why they are calling?? They made their money and now want the loan paid off. I am pissed off now and will make the payment over the next 17 months. one a month. F'em. I also have this new Panasonic phone that will block call with a few push of the buttons, my phone rings once telling me the call is blocked, they hear buzy signal, then my phone hangs up on them. Beautiful thing. Phone blocks up to 30 numbers. You have got to get one of these.