I'm afraid I have fallen into the same scenario. We purchased a motorcycle late March with HRS being the leinholders for the loan. The we requested a billing cycle late in each month and the dealership informed us to expect a bill in April. Nothing came about and we assumed that the paperwork was a bit late with the dealership. We called the dealership and they told us not to worry.

A few days ago, I recieved a call from the HRS Collections department saying that if I didn't pay in two days, they would report my delinquency. I was livid. I told them I never recieved one statement from them.

We double checked our paperwork with the dealership, everyone was assuming that the discrepancy was due to our apartment number being left out in the address. This could be a possibility, but our mail carrier is very good in directing mail regardless. Since reading your website, I've got a feeling that they never even tried to send us anything.

I would think that some kind of correspondence would have reached us regardless from the time we bought the bike up until my phonecall last week. I know these kind of companies are good in sending out notices on a steady basis to make sure you are reminded of what you owe.

Now thinking back, I did recieve a phone call from someone the week before, but they never mentioned what it was about, or what company they were calling from. With the call from last week, which was on a Thursday, I went ahead and gave my bank information over the phone to pay the first installment. The representative told me that I had to do this in order to prevent them from turning me into the collections department. Now I realize that was late Thursday afternoon, they said it would take 24 hours for them to complete the transaction. How interesting that this would roll over to a weekend and now I'm not quite sure where my situation is. I've been checking my bank and I haven't seen a withdrawal. They couldn't assure me that things will be corrected in time.

I'm not really expecting an answer or a solution from your organization, but I guess I needed to do this. I've had to deal with creditors before and I know that this will be precursor to some major drama in the future. I have had impeccable credit up to now and I am in the process of trying to purchase a home.

Needless to say, I'm very concerned about this whole thing.

This website has a section about legally recording their phone calls, but it does require that you send them a letter. I recommend sending a general inquiry of some sort, and adding the notice to the bottom of it in an inconspicuous manner.

Also, there is a post by someone who needed to record their calls in accordance with the Americans with Disabilities Act. Not caring about the law, they argued with him too, if I remember right.