Nancy Richardson2 said:On September 29th, I got hit with this email from Express Credit.
They’re claiming they’re collecting on behalf of T-Mobile, so I gave T-Mobile a call to verify—and yep, it’s actually true. CEP "bought" my debt from T-Mobile and now they're coming after me for it.
To whom it may concern,
I have absolutely never heard of your company, and I don't have any contract with you people. From here on out, any threats or nonsense needs to be sent exclusively via email!
And as for your pathetic claims that I was ever notified about this situation? You are dead wrong!
Where is the damn proof that you actually delivered anything to me?!?!?!
Furthermore, how the hell did you even get my number?!?!?!? Did you call 911 just to track me down?! No, you didn't! Getting my number through any other means is a total violation.
Let's keep going—what services am I even supposedly owing money for?!?!?! It doesn't say anywhere! After my endless calls trying to get an answer, I still haven't been able to get a single shred of information!
I demand!
Within 24 hours, provide me with documented proof justifying these claims!
After I fired off that email, here is what they sent back:
Dear Customer,
As of September 29, 2014, your outstanding balance with T-Mobile amounts to $93
Statutory interest is 12% and is calculated on a daily basis.
For further information, please contact us at 212-555-0198
Attached, please find the notice of assignment, the attorney's letter, and the account transcript.
They're charging me interest on a daily basis!?!?!?!?!?!!?!?
Is that even legal?
At this point, I don't even know who I'm supposed to be paying anymore.
The original bill was only $50.
My bad if I'm being too aggressive or overreacting here.
Regardless of who you might have heard it from, some of the regulars here on the forum have already stepped up to explain exactly how the whole cesarean section process works.
Nancy Richardson2 said:On September 29th, I got hit with this email from Express Credit.
They’re claiming they’re collecting on behalf of T-Mobile, so I gave T-Mobile a call to verify—and yep, it’s actually true. CEP "bought" my debt from T-Mobile and now they're coming after me for it.
To whom it may concern,
I have absolutely never heard of your company, and I don't have any contract with you people. From here on out, any threats or nonsense needs to be sent exclusively via email!
And as for your pathetic claims that I was ever notified about this situation? You are dead wrong!
Where is the damn proof that you actually delivered anything to me?!?!?!
Furthermore, how the hell did you even get my number?!?!?!? Did you call 911 just to track me down?! No, you didn't! Getting my number through any other means is a total violation.
Let's keep going—what services am I even supposedly owing money for?!?!?! It doesn't say anywhere! After my endless calls trying to get an answer, I still haven't been able to get a single shred of information!
I demand!
Within 24 hours, provide me with documented proof justifying these claims!
After I fired off that email, here is what they sent back:
Dear Customer,
As of September 29, 2014, your outstanding balance with T-Mobile amounts to $93
Statutory interest is 12% and is calculated on a daily basis.
For further information, please contact us at 212-555-0198
Attached, please find the notice of assignment, the attorney's letter, and the account transcript.
They're charging me interest on a daily basis!?!?!?!?!?!!?!?
Is that even legal?
At this point, I don't even know who I'm supposed to be paying anymore.
The original bill was only $50.
My bad if I'm being too aggressive or overreacting here.
Why is that? Do you have some kind of allergy to eighty-gram paper with a reminder printed on it?
Nancy Richardson2 said:On September 29th, I got hit with this email from Express Credit.
They’re claiming they’re collecting on behalf of T-Mobile, so I gave T-Mobile a call to verify—and yep, it’s actually true. CEP "bought" my debt from T-Mobile and now they're coming after me for it.
To whom it may concern,
I have absolutely never heard of your company, and I don't have any contract with you people. From here on out, any threats or nonsense needs to be sent exclusively via email!
And as for your pathetic claims that I was ever notified about this situation? You are dead wrong!
Where is the damn proof that you actually delivered anything to me?!?!?!
Furthermore, how the hell did you even get my number?!?!?!? Did you call 911 just to track me down?! No, you didn't! Getting my number through any other means is a total violation.
Let's keep going—what services am I even supposedly owing money for?!?!?! It doesn't say anywhere! After my endless calls trying to get an answer, I still haven't been able to get a single shred of information!
I demand!
Within 24 hours, provide me with documented proof justifying these claims!
After I fired off that email, here is what they sent back:
Dear Customer,
As of September 29, 2014, your outstanding balance with T-Mobile amounts to $93
Statutory interest is 12% and is calculated on a daily basis.
For further information, please contact us at 212-555-0198
Attached, please find the notice of assignment, the attorney's letter, and the account transcript.
They're charging me interest on a daily basis!?!?!?!?!?!!?!?
Is that even legal?
At this point, I don't even know who I'm supposed to be paying anymore.
The original bill was only $50.
My bad if I'm being too aggressive or overreacting here.
What kind of proof are they actually expecting that you received it? If that was the standard, nobody would ever bother picking up those delivery notifications at the post office. Let’s be real here—we all know it’s not like an auntie from Australia is suddenly sending us stacks of cash in the mail. It’s pretty obvious to everyone what’s really going on.
Nancy Richardson2 said:On September 29th, I got hit with this email from Express Credit.
They’re claiming they’re collecting on behalf of T-Mobile, so I gave T-Mobile a call to verify—and yep, it’s actually true. CEP "bought" my debt from T-Mobile and now they're coming after me for it.
To whom it may concern,
I have absolutely never heard of your company, and I don't have any contract with you people. From here on out, any threats or nonsense needs to be sent exclusively via email!
And as for your pathetic claims that I was ever notified about this situation? You are dead wrong!
Where is the damn proof that you actually delivered anything to me?!?!?!
Furthermore, how the hell did you even get my number?!?!?!? Did you call 911 just to track me down?! No, you didn't! Getting my number through any other means is a total violation.
Let's keep going—what services am I even supposedly owing money for?!?!?! It doesn't say anywhere! After my endless calls trying to get an answer, I still haven't been able to get a single shred of information!
I demand!
Within 24 hours, provide me with documented proof justifying these claims!
After I fired off that email, here is what they sent back:
Dear Customer,
As of September 29, 2014, your outstanding balance with T-Mobile amounts to $93
Statutory interest is 12% and is calculated on a daily basis.
For further information, please contact us at 212-555-0198
Attached, please find the notice of assignment, the attorney's letter, and the account transcript.
They're charging me interest on a daily basis!?!?!?!?!?!!?!?
Is that even legal?
At this point, I don't even know who I'm supposed to be paying anymore.
The original bill was only $50.
My bad if I'm being too aggressive or overreacting here.
He handed those receivables over to T-Mobile when he sold them off, mostly because they probably didn't feel like dealing with someone like you, so they just moved them along for a certain percentage of the value.
Nancy Richardson2 said:On September 29th, I got hit with this email from Express Credit.
They’re claiming they’re collecting on behalf of T-Mobile, so I gave T-Mobile a call to verify—and yep, it’s actually true. CEP "bought" my debt from T-Mobile and now they're coming after me for it.
To whom it may concern,
I have absolutely never heard of your company, and I don't have any contract with you people. From here on out, any threats or nonsense needs to be sent exclusively via email!
And as for your pathetic claims that I was ever notified about this situation? You are dead wrong!
Where is the damn proof that you actually delivered anything to me?!?!?!
Furthermore, how the hell did you even get my number?!?!?!? Did you call 911 just to track me down?! No, you didn't! Getting my number through any other means is a total violation.
Let's keep going—what services am I even supposedly owing money for?!?!?! It doesn't say anywhere! After my endless calls trying to get an answer, I still haven't been able to get a single shred of information!
I demand!
Within 24 hours, provide me with documented proof justifying these claims!
After I fired off that email, here is what they sent back:
Dear Customer,
As of September 29, 2014, your outstanding balance with T-Mobile amounts to $93
Statutory interest is 12% and is calculated on a daily basis.
For further information, please contact us at 212-555-0198
Attached, please find the notice of assignment, the attorney's letter, and the account transcript.
They're charging me interest on a daily basis!?!?!?!?!?!!?!?
Is that even legal?
At this point, I don't even know who I'm supposed to be paying anymore.
The original bill was only $50.
My bad if I'm being too aggressive or overreacting here.
They actually have to provide you with a full itemized breakdown of what they claim you owe.👍
Nancy Richardson2 said:On September 29th, I got hit with this email from Express Credit.
They’re claiming they’re collecting on behalf of T-Mobile, so I gave T-Mobile a call to verify—and yep, it’s actually true. CEP "bought" my debt from T-Mobile and now they're coming after me for it.
To whom it may concern,
I have absolutely never heard of your company, and I don't have any contract with you people. From here on out, any threats or nonsense needs to be sent exclusively via email!
And as for your pathetic claims that I was ever notified about this situation? You are dead wrong!
Where is the damn proof that you actually delivered anything to me?!?!?!
Furthermore, how the hell did you even get my number?!?!?!? Did you call 911 just to track me down?! No, you didn't! Getting my number through any other means is a total violation.
Let's keep going—what services am I even supposedly owing money for?!?!?! It doesn't say anywhere! After my endless calls trying to get an answer, I still haven't been able to get a single shred of information!
I demand!
Within 24 hours, provide me with documented proof justifying these claims!
After I fired off that email, here is what they sent back:
Dear Customer,
As of September 29, 2014, your outstanding balance with T-Mobile amounts to $93
Statutory interest is 12% and is calculated on a daily basis.
For further information, please contact us at 212-555-0198
Attached, please find the notice of assignment, the attorney's letter, and the account transcript.
They're charging me interest on a daily basis!?!?!?!?!?!!?!?
Is that even legal?
At this point, I don't even know who I'm supposed to be paying anymore.
The original bill was only $50.
My bad if I'm being too aggressive or overreacting here.
...or else 🙏
Nancy Richardson2 said:On September 29th, I got hit with this email from Express Credit.
They’re claiming they’re collecting on behalf of T-Mobile, so I gave T-Mobile a call to verify—and yep, it’s actually true. CEP "bought" my debt from T-Mobile and now they're coming after me for it.
To whom it may concern,
I have absolutely never heard of your company, and I don't have any contract with you people. From here on out, any threats or nonsense needs to be sent exclusively via email!
And as for your pathetic claims that I was ever notified about this situation? You are dead wrong!
Where is the damn proof that you actually delivered anything to me?!?!?!
Furthermore, how the hell did you even get my number?!?!?!? Did you call 911 just to track me down?! No, you didn't! Getting my number through any other means is a total violation.
Let's keep going—what services am I even supposedly owing money for?!?!?! It doesn't say anywhere! After my endless calls trying to get an answer, I still haven't been able to get a single shred of information!
I demand!
Within 24 hours, provide me with documented proof justifying these claims!
After I fired off that email, here is what they sent back:
Dear Customer,
As of September 29, 2014, your outstanding balance with T-Mobile amounts to $93
Statutory interest is 12% and is calculated on a daily basis.
For further information, please contact us at 212-555-0198
Attached, please find the notice of assignment, the attorney's letter, and the account transcript.
They're charging me interest on a daily basis!?!?!?!?!?!!?!?
Is that even legal?
At this point, I don't even know who I'm supposed to be paying anymore.
The original bill was only $50.
My bad if I'm being too aggressive or overreacting here.
Well, now you know. Honestly, people fight over pennies far too often, and in my experience, 99% of the time the company is in the wrong. If you happen to be part of that unlucky 1%, start by demanding a detailed specification of the debt just to see exactly what they are trying to charge you for. Once you have that, pull out the contract you signed with T-Mobile and read every single word from start to finish. If you still feel confident that you're right after that, then you can push back.
Here is the process I would suggest following:
1. File a formal dispute stating exactly why you believe you don't owe the amount. They will likely brush you off at first, but you need to keep moving forward;
2. I believe there is a local consumer advocacy group that offers free legal consultations on Thursdays—it might be worth looking into to present your case. You can certainly handle this on your own, but getting a professional opinion is always a good idea. Regardless, move on to step three.;
3. File a complaint with Honor Bound at the U.S. Chamber of Commerce. If your consumer rights have been violated, filing this shouldn't cost you anything. Their website outlines the exact procedure and what documentation you need to include. Once the process begins at Honor Bound through the U.S. Chamber of Commerce, they usually organize a mediation session where both you and a representative from the company present your sides. If mediation doesn't work out (which happens quite frequently), the board will make a ruling. Don't back down if you know you're in the right; I went through a similar ordeal once—not with a telecom provider, but the principle was the same—and it ended in my favor.
Just a quick tip: whenever you send anything through the mail, make sure to use certified mail with a return receipt so you have physical proof that they actually received your correspondence.