Wednesday, July 18, 2007

I know it's been a while

Sorry friends out there in blog-land. I know it's been a while since I posted. Part of it has been that I've been so busy at work these last few weeks that I can't steal time out of my work day to blog anymore. Also, I've been waiting for Keds to blog. We've been spending so much time together lately, and have so many shared experiences that I wanted to leave her something to blog about. Well, that strategy has clearly backfired, so here I am.

We are headed back to LA this weekend, however the trips are definitely winding down. As far as we know, the estate sale was successful in that everything but a few pieces of furniture sold. The goal this weekend is to inspect the house and start shopping for the remodel.

Work has been absolutely nuts lately. I'm in back to back to back meetings constantly, which I hate. I am not getting any work done because I'm too busy being on the phone!

I am still locked in mortal combat with Sears. I know it sounds strange, but I am. A long time ago I was a slacker when it came to paying my bills on time. However, I've corrected my bad habits. When Keds and I moved into our new house, we needed appliances. I sold my appliances with my old house, and Keds left hers for the renters. So I applied for a Sears card, since they area always running some sort of deferred payment incentive. And what do you know - they were. Twelve months no payments, no interest. Perfect.

Since we weren't in the new house yet, and my legal address was still my house in Henderson, I used that address. I didn't see a statement for months. But again, I didn't think much of this, since nothing should have been due. Fast forward to November. We are a nearly married couple - just back from our honeymoon. I'm in India, and my wife tells me that MY PARENTS got a call from a collection agency saying that I have an account past due. Keds buys time until I get back. I talk to a rep, and the amounts are different. So I dispute the charge.

Fast forward again to January. The collection agency says that Sears said the charges are valid and that I need to pay nearly $1500 (the original bill was about $1100) otherwise the account will be charged off. I had the money and paid the full amount so that it showed paid in full and didn't get Charged Off. However, in looking at the documentation they sent me, I was charged for a Payment Protection Plan. I NEVER sign up for those. So I start calling around at Sears.

Surprise, surprise - it comes back that I never signed up for this service. It wasn't showing up on my credit report yet, so I didn't sweat it. However, in May I received word that it was showing up on my credit report (gotta love credit monitoring programs). I launch into dispute mode. I assembled my documentation and the appropriately firm letter and sent it to Sears in "The Lakes, NV." For those of you who don't know, that's still Las Vegas, but Citibank didn't want their bills coming/going from a Las Vegas address. I paid to send it certified mail with return receipt and sent a second first class packet with the same information with a "Certificate of Mailing." Thirty days go by and nothing. So today, I send two more packets, with an even more firm letter this time. We'll see what happens.

Wish me luck!

4 comments:

LoraLoo said...

Man that credit stuff is a serious pain in the ass. When Karl and I got married I took on that task as his credit was less than stellar. One little mistake on their part can cause you so much grief!

Glad the estate sale went well!!

Martin said...

I wish you could sue a company for falsely reporting negative credit that could affect your credit score. I'm amazed at how quickly they went the route of collection. Best of luck.

Hope the sale went well, work calms down and the Cali trips become more for enjoyment.

Cupcake Blonde said...

Isn't it amazing how quickly they take your money but are sooooo slooowww to give it back when they have done something wrong?

Ken said...

Lora - Yeah. It really is. It takes a lot of dilligence to make sure things stay clean. It's easier to keep things off than to get them taken off.

Martin - Actually, you can take them to court and if something is reported incorrectly, there is a Remedy - the Federal Trade Commission. That's my next step.

Princess - Yeah. It sucks they are taking their own sweet time. Next step is an FTC complaint and maybe small claims court.