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I ended up saying "I'll call back" and calling Cox to confirm and sure enough, that was the case. Cox had given the debt to PFS to handle so I had to pay them. So I called them back and ended up paying the 99 and they assured me it would cash converters loans werribee processed in 24-48 hours. I was recording the call for insurance.
A few days later, the Derogatory mark on my account was gone. I am completely free of that debt. They were very professional and I am grateful for that.
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