Help! Stuck with past due payment, can't reach anyone on phone
Hey everyone, I'm having trouble with a past due payment. Has anyone else dealt with this? Any advice on how to handle it or who to contact? I'm getting worried about late fees and it affecting my credit score.
18 comments
Emma Davis
Ugh, I've been there. It's so frustrating when payments are late. Have you tried calling the company directly? Sometimes they can waive late fees if it's your first time.
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Javier Torres
Thanks for the suggestion. I've been trying to call but keep getting stuck on hold forever. It's driving me crazy! š«
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Malik Johnson
Pro tip: call early in the morning right when they open. Usually less wait time then.
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Javier Torres
Good idea, I'll give that a shot tomorrow. Fingers crossed š¤
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Isabella Ferreira
I found a method to get someone on the phone. I used this site's (claimyr.com) calling tool that dials the phone menu, stays on hold, waits for a live agent to pick up, then sends the call to my phone. It does cost $20, but it works. Here's a video about it: https://youtu.be/1X-mEsLtbmQ
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Ravi Sharma
Sounds too good to be true. Has anyone else tried this?
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Isabella Ferreira
I know it sounds sketchy, but I swear it worked for me. Saved me hours of hold time.
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NebulaNomad
$20 seems steep just to make a phone call. Is it really worth it?
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Isabella Ferreira
For me it was. I was able to get my issue resolved in one call instead of wasting days trying to get through.
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Freya Thomsen
Have you checked your spam folder? Sometimes important notices end up there and you miss payment deadlines without realizing it.
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Omar Fawaz
This happened to me last year. turns out there was a glitch in there system and my payment wasnt processed properly. Def worth double-checking with them!
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Javier Torres
Oh wow, I hadn't even considered that. I'll make sure to ask about it when I finally get through to someone. Thanks!
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Chloe Martin
The whole system is broken tbh. Why should we have to jump through hoops just to pay what we owe? It's ridiculous. š¤”
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Diego Rojas
Preach! š I've been saying this for years. We need some serious reforms.
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Anastasia Sokolov
Here's what I've learned from dealing with past due payments: ā¢ Always document everything. Keep records of when you called, who you spoke to, and what was said. ā¢ If possible, set up automatic payments to avoid future issues. ā¢ Check if there's an online portal where you can make payments or see account status. ā¢ Sometimes sending a written request (email or certified mail) can get better results than phone calls. ā¢ If it's a significant amount, consider consulting with a financial advisor or credit counselor. ā¢ Don't ignore the problem - it usually only gets worse. ā¢ If you're having financial difficulties, be upfront about it. Many companies have hardship programs. Hope this helps! Let me know if you have any questions.
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Javier Torres
Wow, thank you so much for this detailed advice! I'll definitely start documenting everything from now on.
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StarSeeker
This is gold šÆ Saving this for future reference!
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Sean O'Donnell
have you tried reaching out on social media? sometimes companies respond faster there to avoid bad publicity lol
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