Grrrrrrr!
Okay....so not sure if what I'm about to rant about here, if I've mentioned at all in the last year, so I'll explain everything.
A while back (about 3 years ago) I co-signed for a cell phone for a friend. Which was all fine and dandy, then she transferred the phone over to her bf's name. Okay, good, not my responsibility anymore...all good. Wrong! I go to apply for a credit card a year or so later, (after I haven't spoken to her in about a year) and was denied because I had something in Collections. I called the phone company, and they said I didn't have anything under collections. I explained my problem to me....and they pointed out the co-sign.....so I find out that she neglected to pay the last bill for her phone, under my name. It had gotten to about $140 by this time....and no one had notified me. So, not only was my credit being royally fucked.....but I owed a chunk of money that I didn't have....I wanted the credit card so I could go on vacation. By the time that I had saved up the money to pay off the bill, the interest had made it accumulate to about $180. So I paid that bill off. Then I had to go re-apply for the credit card....giving them the proof that the bill was indeed paid off. They said I could get a card....but would have to put down 120% for it...a secured visa. I was not impressed. I'm paying for a stupid mistake that fucked up my credit.....and it wasn't even my fault. Well, whatever, I agreed to the terms, and gave them the money, then I recieved a card in the mail...just in time for me to go on vacation. I have to have this secured visa for 3 years....after which, I get the money I put down, plus interest returned to me. If I cancel the card before then, or declare bankruptcy....I think my credit stays screwed.
So I've had a bit of a hate on for this girl for the last 2 years.....which brings me back to today...in my job which I despise so much, which never leaves a good taste in my mouth cuz I get so bitter and angry at people......guess who just happens to come strolling into my arcade tonight....but "Missy" and her boy! I walk up to them, and say, "I've got a question for you....remember when I co-signed for you? Well, I had to pay off a $180 bill that went to collections about 2 years ago, the last bill of yours before we changed it over" She claimed that they payed off a bill that went to collections around the same time, that was over $200. So, now I get to phone Rogers, and get the name of the Collection agency....and find out who payed what bill, and if these 2 were lying to me. Either they're lying....or the collection agency got paid twice.....unless there was another bill that went to collections.....either way, as far as I'm concerned....they owe me about $200. I was just shaking I was so mad when I saw them......I thought I'd be over it by now.....but I guess not. I know in the large scale of things, $200 isn't a lot....but for someone like me who generally lives paycheck to paycheck.....$200 can mean me paying off my cell phone, or rent....or buying food. Somebody has explaining to do. I'm going to call Rogers either tomorrow after work, or thursday. I got the girls number, and I'm going to call her when I find out what went on...and she's going to call in and confirm....possibly bitch out. It's amazing the kind of hate and anger that can stay with someone for so long....i wanted to break things when I saw her...
A while back (about 3 years ago) I co-signed for a cell phone for a friend. Which was all fine and dandy, then she transferred the phone over to her bf's name. Okay, good, not my responsibility anymore...all good. Wrong! I go to apply for a credit card a year or so later, (after I haven't spoken to her in about a year) and was denied because I had something in Collections. I called the phone company, and they said I didn't have anything under collections. I explained my problem to me....and they pointed out the co-sign.....so I find out that she neglected to pay the last bill for her phone, under my name. It had gotten to about $140 by this time....and no one had notified me. So, not only was my credit being royally fucked.....but I owed a chunk of money that I didn't have....I wanted the credit card so I could go on vacation. By the time that I had saved up the money to pay off the bill, the interest had made it accumulate to about $180. So I paid that bill off. Then I had to go re-apply for the credit card....giving them the proof that the bill was indeed paid off. They said I could get a card....but would have to put down 120% for it...a secured visa. I was not impressed. I'm paying for a stupid mistake that fucked up my credit.....and it wasn't even my fault. Well, whatever, I agreed to the terms, and gave them the money, then I recieved a card in the mail...just in time for me to go on vacation. I have to have this secured visa for 3 years....after which, I get the money I put down, plus interest returned to me. If I cancel the card before then, or declare bankruptcy....I think my credit stays screwed.
So I've had a bit of a hate on for this girl for the last 2 years.....which brings me back to today...in my job which I despise so much, which never leaves a good taste in my mouth cuz I get so bitter and angry at people......guess who just happens to come strolling into my arcade tonight....but "Missy" and her boy! I walk up to them, and say, "I've got a question for you....remember when I co-signed for you? Well, I had to pay off a $180 bill that went to collections about 2 years ago, the last bill of yours before we changed it over" She claimed that they payed off a bill that went to collections around the same time, that was over $200. So, now I get to phone Rogers, and get the name of the Collection agency....and find out who payed what bill, and if these 2 were lying to me. Either they're lying....or the collection agency got paid twice.....unless there was another bill that went to collections.....either way, as far as I'm concerned....they owe me about $200. I was just shaking I was so mad when I saw them......I thought I'd be over it by now.....but I guess not. I know in the large scale of things, $200 isn't a lot....but for someone like me who generally lives paycheck to paycheck.....$200 can mean me paying off my cell phone, or rent....or buying food. Somebody has explaining to do. I'm going to call Rogers either tomorrow after work, or thursday. I got the girls number, and I'm going to call her when I find out what went on...and she's going to call in and confirm....possibly bitch out. It's amazing the kind of hate and anger that can stay with someone for so long....i wanted to break things when I saw her...