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AuthorCat last won the day on May 24 2017

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  1. Most companies do that, some don't. Tidewater didn't. They have an online service where you can most likely see the balance, but we got our loan seven years ago when they didn't have that option and therefore relied on paper statements. What I believe was the clincher was their wrong reporting. I have our credit reports up to November 2017, and in those reports Tidewater continued to report negatively despite the fact that the account was in dispute and they weren't responding to our written correspondence. When I wrote them to point this out; that they were in violation of the Fair
  2. Thank you, Seadragon! We're incredibly happy with this outcome and have received more than we initially wanted from them. I hope this thread may help others who might come here to find a solution to a similar problem they're having. I had looked all over the internet hoping to find someone like us, but didn't find a single one. It was when I decided to post our issue and the resulting successful outcome here so others may be helped if they need it. Our credit scores JUMPED. I was a low 500 and it jumped to nearly 600 (still not good but we're getting there!) and my hubby's score is nearly
  3. UPDATE 04/13/2018 RESOLVED FAVORABLY! After filing a complaint with the Consumer Financial Protection Bureau (hereafter referred to as the CFPB), we were able to get Tidewater's attention and, after some back and forth via e-mails, were able to pay-off the account for a fraction (the amount we proffered) of the amount they say we owed, the removal of Tidewater tradeline from our credit reports, an official letter stating that the account is PAID IN FULL, and a clear title! We got everything we wanted--and then some (complete removal of the account from our credit reports)! Afte
  4. Have you read ASTMedic's thread on how he beat Midland Funding? If you're not going to start your own thread and are just using the experiences of other CiC members as you go through your case (and it appears that's what you're doing since you're close to Trial already (01/11/2018, right?), you can read ASTMedic's thread where he gives the legal 'lay of the land' for people to follow.
  5. I looked up Tidewater on California Department of Consumer Affairs and they're there. I'll give them a call. Thanks so much, Seadragon!
  6. Hi ClydesMom, and thank you for responding. But our contract *does* require they notify us of any changes: I never received any notice other than monthly statements with minimal information--hence our shock. No. The only offer they made was during tax time and if we'd like to pay off the loan early. We were late with a few payments but I always asked how much we owed to bring our account up to date, including late fees, accrued interest, etc. They emailed me the number and we've always paid everything they asked. This is why it's so shocking and surprising to read
  7. I won't name the auto financing company here just in case they're trolling. My issue is this: our auto loan matured in July 2017, and we were never notified that there were any penalties, fees, after-the-fact late payment charges, etc., before that time. We only received monthly statements with the car payment amount and "pay after this date and you must pay an additional $XX.XXX late fee" which, when we were a couple of days over, we paid the late fee. So here we are, thinking we've paid everything they asked but now there's an additional $3700 to be paid that accrues interest every
  8. You don't need to file the Responses with the Court--unless you're, like I'd been, late with them. However, the Court will allow you to IF you want to. You *do* need to send them with a PoS. I didn't send a PoS for each Response. I only sent one for all three.
  9. I don't believe there are any discovery templates. I simply put it all on pleading paper. I've sent you a DM.
  10. I believe he has, SadinCa. It's in an above post:
  11. Yes, you MUST respond to their RFA, RFPDoc, and ROGs! Especially the RFAs. You can find really good examples on this site how to respond. You can start with 1111girl's: Replace "Same as 1" with "DENIED'. I had been late with my Responses but filed them with the Court before they could file that I had 'admitted'. Although you don't have to, you can file your responses with the Court to have them on record IF you're late and BEFORE they file that you've admitted. Basically, they're trying to make YOU prove their case. Don't. Hope this helps.
  12. Please follow Calawyer's suggestions--bring that calendar! It would help you to show the judge written proof of your surgery, length of recovery, etc. You're in Court now and papers matter! Them requesting three months before trial might be a sign that they know their case isn't strong. This benefits you. Pushing the trial date much further down the road will most likely elicit a loud sigh of relief in their offices so I don 't believe they'll object. I wish you all the best, and a very swift recovery, PSteele.
  13. You're welcome! Under normal circumstances, the PoS should be enough (hence the doc's title: Proof of Service) to save you the $6 dollars of CMRRRing it since you file the MC-010 + its PoS with the Court and there's a record of it. But you're dealing with LVNV and they like to 'play dumb'. I waited a couple of days after the original (but vacated) Trial date before I filed and served my MC-010 (with PoS-30) just to be sure. Your original trial date is Monday? At any rate, I'd wait a few days afterward before I file and serve the MC-010. Once again - CONGRATULATIONS!!!
  14. No, the Judgment of Dismissal doesn't come till much later. First you file your MC-010 (with PoS-30) and serve a copy on Plaintiff (addressed to their attorneys). I've just finished receiving my costs back from LVNV - and this while the suit had been dismissed back in July 2016. You can read about filing a Judgment of Dismissal here: But you're not there yet. First, file your MC-010 with PoS (and serve a copy on Plaintiff). I didn't CMRRR it and they ignored me, so I suggest, since you're dealing with LVNV, to CMRRR it. Wait 15 days (15 + 5 if serving my mail) to give them time