I have had my loan with Capital One since April 2007. I never missed a payment, A year ago I lost my job due to the recession.
I explained that to the representative and a payment plan was set up with them (Capital One). The rep. advised me that he can't stop the phone calls.. In a one week period they have called me 103 times..
Insane!! There is a recession and people are trying their best. Whatever you do, Please don't given them your number..
they will drive you crazy with their rude representatives. They do not listen to reason..