I arrived home from work on Oct 27, 2016 and found a letter in my mailbox from my job claiming that I'd been taken to court and had a wage garnishment claim placed against me. The next day I contacted human resources to find out what was going on since I knew I had no debt and was told that the claim was from a company called Cavalry.
I contacted Cavalry and was greeted with a messages claiming that I'd reach the law office of bla, bla, bla and that this was an attempt to collect a debt. I was advised to wait for the next rep and some guy answered the phone and asked me for my name, date of birth, and last 4 digits of my SS number. He went on to say that they were hired by HSBC to collect a debt on an Orchard MasterCard for the amount of $7,166.66. I was like, Wait!!!!!
first of all this card was placed with a debt consolidation program back in 2007, second how in the *** is it that I owe nearly seven thousand dollars on a credit card that only had a credit limit of $800.00 and wasn't even maxed out when I put it with the consolidation program. The guy only said, Well they didn't accept your offer when you placed it with the consolidation company and the reason it's now so much is because of interest and court fees. I then asked, Well if they didn't accept the consolidation why wasn't I notified? Why take me to court and not notify me that I was being sued.
Had they simply contacted me and said we received your offer for a consolidation and we regret to inform you that we're declining it I would have worked out some kind of payment arrangement with them back in 2007. However because I wasn't notified about any of this I just assumed that all the credit cards I placed with the consolidation program were being paid off. I begged this guy to work something out with me and told him I was willing to pay what I originally owed on the card which was about $659.00 dollars and that I was willing to pay Orchard $75.00 to $100.00 on the 20th of each month until the balance was paid in full. I went on to explain that if they decided to go through with this garnishment, that I may find myself being homeless and that they were only putting me in more debt with other creditors.
I was like how am I suppose to pay my rent, go to doctors appointments, buy my medication, pay my bills and such with only $622.00 dollars every two weeks. The guy was like, Okay let me contact my client and tell them about your offer and I'd call you back as soon as possible today. I gave the guy my phone number and you know what??? He never called me back!
Instead they just decided to garnish my wages anyway. It got so bad that I had to go to court where they originally filed and spoke with an attorney who gave me some free legal advise and told me to file an exception. That was almost two months ago and I still haven't heard anything while these guys are milking me for every penny. I decided to contact Orchard Bank, but when I typed the name in the search on the computer it takes me straight to Capital One who has no ideal what I'm talking about.
I then contacted HSBC and talked to a rep regarding my old account, but was told she couldn't find anything on me. The lady from HSBC then told me she would transfer me to collection to see if they had anything on file. I was transferred to collection and they too couldn't find anything on me and from there I was told I would be transferred to Recovery. The guy I spoke to in recovery asked me for my name, date of birth, and the last four digits of my SS number and was able to pull up my old account.
I asked him what was the credit limit on the card before it was closed, the balance on the account when it was closed, and when was it placed in collection considering I tried to pay them through a debt consolidation and I'm being told they didn't accept it, but never bother to notify me to let me know. The guy was like well we sold the account to Cavalry and they would be able to give you any information you need regarding the account. I was like, but isn't Cavalry a law office collection the money on your behalf. They guy from HSBC said and I quote.
Once the account is sold to a debt collection agency we have or don't want anything to do with it. He went on to say that if Cavalry is telling me that they're collecting on behalf of HSBC then the information they're providing to me is false!!!!
Product or Service Mentioned: Cavalry Portfolio Services Debt Collection.
Reason of review: Poor customer service.
Monetary Loss: $6000.
Preferred solution: Price reduction.
I didn't like: Way both your rep represented themselves, Not notifying me properly to work this out, Sitting on this debt only to gain money.