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About jordanmorganusa

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  1. Hell, put your email addy on the DV letter. I prefer things in letters, they're so busy trying to get YOU, that they tend to mess up alot.
  2. Hey all. I just wanted to know if they hold a large payment for an absurd amount of time when it's your first? I basically transferred the money to my savings accout with them, took it out and then put it in my checking at another bank. Now I'm off to Vegas for a weekend soon and I wanted to pay it off before I went. I know BoA is fine with it, but Patelco has been quite a handful... Thanks for all the help!
  3. It's not the record keeping that they are afraid of... it's complaints to the FTC.
  4. NCO is MedClr. You've got them in a whol ebunch of violations 6 ways fropm Sunday. That whole pay us first submit to your insurance later stuff is crap.
  5. It brings your scores down artificially. It does not properly reflect your credit. It's false reporting and it's done purposefully. regardless if you have crappy credit, ok credit or stellar credit, it's hurting you. FILE YOUR FRIGGIN' COMPLAINTS!!!
  6. Find out the answer to that and report them BOTH to the FTC. Sue them both as well. You've got NOTHING to lose here. Find yourself an attorney ( you won't have to pay them , NCO will do that for you).
  7. Run, do not walk to the FTC. This is a practice that Crap One needs to stop. Go file your complaint to them about it RIGHT NOW. Everyone else here with a Crap One card needs to do the same thing.
  8. get them on as may violations as you can, then sue. They'll delete. If it's only $200, then you're cool.
  9. They're a bunch of idiots. I got them off my reports, but plan on suing in the future. It's not difficult to get them on violations.
  10. Getting as many violations as you can is the best bet. Remember that each FCRA violation is a Deceptive Trade Practices Act violation. Not to mention your state's laws. You'll be over $8000 in no time, considering that merely reporting it as an installment or as a factoring account is 5 violations each-EACH REPORT, EACH MONTH.
  11. This is a great reminder for send ing a LIMITED C&D. Limited C&D makes them send you letters. I've had them make so many mistakes in letters, I can't tell you how great it is... Limited C&D also makes it easier for them to violate it. One call after they've received it, and it's $1000 minimum.
  12. I did neglect to mention the BK laws because in the complaint it would be brought up, most likely in the first sentence. Once NCO is notified, good ol' Michelle Lyons will contact her anyway and she can get some money. But however you choose to handle this, make sure you send your complaints. This'll stick NCO but good...
  13. Sending the letter in an of itself was a violation. Whatever else you do, make sure you report them to the FTC- NOW. Make sure you send your letter CMRRR and check your reports. If they have reported, send the CRA's a dispute letter CMRRR as well. If they verifiy, hire a lawyer and sue the living crap out of them. If they are not reporting, send them an ITS and you can still make some $$$. Either way, they will be out of your life.
  14. You need to nip this in the bud. There had to have been a satisfaction of judgment somewhere. Get the copy that you paid it and get int ouch with someone with some powere in that company. They can rescind the judgement or at least show it as satisfied. Go for the whole deletion, though. They have their money, I wouldn't settle for anything less.