Being sued by Unifund CCR LLC. They have provided several Bill of Sales showing the account changing hands 5 times. The question is the first bill of sale. This shows the account was sold on 3/23/2017. It shows Barclays Bank Delaware was the seller and that the account was sold to First Bank & Trust. My account was in good standing on 03/23/2017. I had never missed a payment or even been late with a payment. I have billing statements supplied by Unifund's attorneys showing payments being made to Barclays Bank Delaware for months after the date they claim this account was sold? I have bank statements to confirm this. I also have a recorded phone call that took place in April 2017 between Barclays Bank Delaware and myself discussing a miss-application of a payment I made. They said I made the payment to early and applied it to the previous month and not the intended month. I initiated the contact to find out why my payment had not shown up. I wa told the would investigate and get back with me. April they call me and this lady had no clue as to what I was talking about. I explained it all again. She said they would investigate(this is the recorded call). They kept taking payments for the next couple of months from me but would apply late payment charges and interest. The credit agreement says they will not try to collect on disputed charges nor will they show me as delinquent. They did try to collect and they did show me as late. I was keeping up payments in hopes this would work out correctly but it did not. They were supposed to get back with me within 30 days in writing but never did. I did not want to pay them just so they could keep applying payments to late fees and then charge more late fees.
I am in the process of answering request for admissions. I only know about the admission because I looked up my custody case on the circuit courts website. I also viewed this case and found them saying they were ,mailed Dec 2nd. Today is the 18th. I d on't feel like my account was sold when they claim it was. Am I missing something? My name or account is never mentioned in the BoS. How do I know this is a genuine document? I need guidance!
I am in a custody case with my ex over my 7 year-old daughter right now and what little resources I have are in that case. I need my head in that case as well. If anyone can help me out with how to handle this I would appreciate it so much. I am happy to answer any questions to clarify any confusion about this.