Do i owe if…?
I just got a notice from some collections agency called Portfolio Recovery Associates in Virginia stating that I owe them $4200 on a debt I supposedly owe to MBNA/ Bank of America in the amount of $1500 from 2003. It stemmed from an account overdraft protection that was put on my account in 2000. The banker that opened my college checking account offered the service and I said it sounded okay, he then said that I would receive some paper work that I needed to sign in order for that service to begin. I got the contract and looked it over and did not sign or return it. I remember not paying the charges because I never signed a contract saying that I would accept. Do I owe and if so, why. What are my possible defenses?
Ask them to send you a copy of the contract you signed for this money. If you didn’t sign anything, then they will provide you with nothing, or they will provide you with forged documents and then you have a case to get this cleared.
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