3 years ago, we purchased a water softener system and receiving financing through Aqua Finance. Approximately 2 years ago, we defaulted on our contract and were sued. Judgment was entered against us 1.5 years ago.

From the month that judgment was entered against us, we submitted to Aqua Finance a repayment plan, to which they never responded. We immediately began making payments under our proposed payment plan, exceeding our original payment plan, and to date have not missed or been late on one payment since initiating the repayment plan.

Today I was contacted by an attorney's office representing Aqua Finance stating that they had a judgment and wanted to make payment arrangements. I explained to the attorney's office that I was making payments to Aqua Finance and he stated that he does not have any record of payment for 1.5 years (since the judgment). Clearly I have proof through my canceled checks that payment has been received, and I've also received confirmation directly from Aqua Finance in the form of letters stating they've received my monthly payments.

I suggested to the attorney's office that he contact his client for proof of my payment history and he told me it was my burden to prove I've been paying. I explained that my obligation under the judgment is to repay Aqua Finance and that is where my obligation ends. He said he would initiate garnishment proceedings since I'm not paying. I reiterated that I am paying and have been paying and he told me that I need to provide him proof. We went back and forth for some time until he became very belligerent and eventually hung up on me.

I immediately called Aqua Finance and spoke to a representative. The representative told me that she cannot discuss my account with me and that I would need to speak to their attorney. I explained that I have tried to but that he refuses to contact you and that you need to provide proof that I'm paying. I requested a full accounting of my history and she stated she would mail it to me. I asked her to provide to me the name and address of the attorney and she said she did not have that information available to her. When the attorney's office contacted me, they had blocked their number.

My frustration with Aqua Finance is their obvious complete disorganization with collection accounts and their practice of contracting with attorneys and agencies who resort to bully tactics in an attempt to collect on their accounts. While I'm an exception (as I am paying on my account per the judgment), how many others are out there experiencing this clear violation of their rights under the Fair Debt Collection Practices Act? I fully intend to file complaints with the Consumer Protection Division of the district attorney's office against both Aqua Finance and the attorney representing them as well as with the Kansas Bar Association.

My advice - stay away from Aqua Finance. They're unscrupulous and have extremely poor business standards. Perhaps we'll soon see them on Capitol Hill asking for a bail out.

Last year a salesman arrived on my door. Stating he had the newest in water purification. I listened to a 3 hour demo. by the end he promised that I would be showering in Aquafina quality water (after finding out my wife drinks aquafina). Also stated the system was used by Coca Cola. He also promised 8 years of free soap prducts, stating all the hosuehold soaps sold in stores were no good. He also stated the system would help with my sons Exima. After intense begging form my new wife i bought the system. I was able to notice a difference at first, but shortly noticed it was not working how it should. I was aslo told if I moved, the system could be moved to the new address by them at no cost. I recieved about 6 boxes of soap, with the remaining promised to be shipped. After several attempts to contact them, I have found all numbers had been disconnected. and no number to reach them at. The system was a $6, 700.00 doallar system. Needless to say I did not have the money. I was informed that I would be able to get the system for round 10% interest. I was contacted by the person who instaled the system, and found it would be at 17.99%. I was ok with this, Because it seemed like such a great system. Well about the same time I was not able to contact the company that sold the system, Aqua Finance had reaised my interest to 21%. They had also raised my payment to 2.2%. After several phone ccalls to the company, I am still at first base. Still confused. After a year of paying the minimum $136.00 month, I have only paid off about 200 dollars (started 6, 799, now 6, 500. This does not make much sense. they will not even tell me how long it will take to pay this off. After looking at the monthly statement i saw that I had $167 dollar finance charge. They changed my monthly payment to $143.00 month. To my calulations I am not paying off anything, I am adding 15 dollars to my balance every month. After asking for an explanation, they stated it was an estimate, but it clearly says FINANCE CHARGE on the statement. Any help with this situation would be great. I do not looking forward to paying for a system that does not woek properly, and i have to pay all this money for.

Donald