I made a settlement with SIMMS associates which is the collection agency for HSBC auto loans for a truck that Hsbc repossessed( wife had lost job in bad economy). They sold the truck at auction and billed me for the difference. I was made an offer by SIMM associates to settle. I paid the settlement in 4 payments starting in Aug 2009 and ending in Oct. 2009. I have a letter from SIMM stating the account was paid in full.I also have copies of bank drafts from Bank of America showing the 4 payments.SIMM acknowledges the settlement was paid in... read full review »