I am in California. Debt incurred here, from Cash Call
I have read over the Fair Debt Collections Act, and see that Federal and California say that a creditor can collect only the amount of the principal balance/amount owed--correct?
But does go on to say that adding interest or other fees are not ok, unless allowed by law.
So, I've paid the entire balance owed to Cash Call ($1800) to this debt collector, who says my beginning balance was $2500+ and I still owe money. I have the transaction record from CC to prove otherwise. Additionally--and almost humorously--every time I ask for a statement from the collector, the beginning debt amount, and the still owed amount never match, nor does the "still owed amount" vs. what I paid since the last statement add up correctly--this debt collector has a record of being in trouble and seems negligent to me!
If Cali law does not allow for additional fees nor interest to be added to original debt, is there a civil code or similar I can cite in my correspondence to them?
Thanks!
I have read over the Fair Debt Collections Act, and see that Federal and California say that a creditor can collect only the amount of the principal balance/amount owed--correct?
But does go on to say that adding interest or other fees are not ok, unless allowed by law.
So, I've paid the entire balance owed to Cash Call ($1800) to this debt collector, who says my beginning balance was $2500+ and I still owe money. I have the transaction record from CC to prove otherwise. Additionally--and almost humorously--every time I ask for a statement from the collector, the beginning debt amount, and the still owed amount never match, nor does the "still owed amount" vs. what I paid since the last statement add up correctly--this debt collector has a record of being in trouble and seems negligent to me!
If Cali law does not allow for additional fees nor interest to be added to original debt, is there a civil code or similar I can cite in my correspondence to them?
Thanks!
