It depends on how you "accepted the offer." If they proposed something in writing that allowed you not make certain payments on your account or would not increase your interest rate or payment if you made a payment of a certain amount. If you signed something IN WRITING to that effect, then they are bound by those terms and must follow them. You have a letter, so that is a sufficient writing. You are not obligated to pay more than what was agreed to in their letter. They offered you a loan to pay back the amounts you are behind, but they may not include all of the payments you need to make on your accounts.
Regardless, they can call you many times a day to collect the money you owe them so technically their actions do not constitute harassment. You should focus more on getting whatever you agreed to in writing and then follow that plan. If you do that, then they should not call you and harass you while you are abiding the terms of the new plan. Good luck!
I just updated my email to you showing you their offer in writing. Within minutes I accpeted the offer via email.
That is a sufficient writing, but it requires that you pay specific sums towards specific debt. $50 for the loan, $200 for the RCR, your car payment and then also your VISA current.
So even though they made you an offer on your loan and possibly on your RCR payment, it didn't change anything for your car loan or visa payment. All of those payments are not lumped into one and each of them you are responsible to pay. So if you fail to make certain payments, they will call you.
The stated they would loan you the money to pay off the money for your checking that was overdrawn, but you will still need to pay whatever charges you make on it in addition to that.
They didn't loan you the $300 to pay your credit card, but that was specifically for the overdraft for your checking account. So you couldn't have used that for the credit card. So long as your overdrawn balance went away and you are paying them $50 a month, then they did what they said they would do.
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