i agreed to have credit card cgared for repayment in may for July 1st. That was suppose to be the 1st payment. But on June 11th i sent and they received a cease and desist letter from me. this was well before july 1st. they still charged my account. are the allowed to do this? the letter i sent stated among other thing to stop all collection of this debt? i called them and the supervisor said they were still allowed to do this because the verbal payment arrangement was before the letter? any help