
John of Mt. Washington, KY on Jan. 15, 2008
In 1998 a magazine company contacted me selling subscriptions to different magazines. Only being 19 yrs. old I thought it sure sounds like a good deal. After giving them my checking account info and also a credit card number, the magazines start rolling in. My parents told me I needed to cancel the subscriptions. From then on I returned to sender all magazines sent to me and called Consolidated Media to cancel the account. I was told that the subscription was canceled and everything was done. The magazines continued rolling in, my checking account was overdrawn by them, and then my credit card was hit--ultimately resulting in that card being overdrawn. Being a kid I was freaking out, no money, and my credit being trashed.
After contacting Consolidated Media, I was then told of the cancellation fee which was somehow the total of what they sold me the subscriptions for in the first place, except instead of being spread out over 24 months it was one lump sum.
When I got married I paid everything off on my credit reports. Fast forward to November 2007: my mother gets a call from Luebke Baker and Associates about a debt that I owe. After calling them back and telling them that this was settled 10 years ago by charging my bank account and credit card, they tell me they will settle for $104. I say I'm not paying anything over the phone, first of all; and second, until I see something in writing I'm definitely not paying. I don't give them any current information and tell them to send it to my parents' address that they already have. Two months later my mom gets another call from the same company. Once again I call them back and tell them they never sent what they said they were, and I'm not paying. They threaten to put it on my credit report; I've heard it all before.
I checked online, and the statute of limitations has expired for this. After calling them and telling them this, they clam up and will only ask me if I want them to status my account as uncooperative, not paying. What should I do? Our whole lives are based off our credit scores. Knowing what I know now, I wish I had it to do over, but as we all know that can't happen, so I will take the life experience. This company destroyed my credit as a young man, resulting in my now paying higher interest rates, insurance--everything.