lucig284

Members
  • Content Count

    125
  • Joined

  • Last visited

Community Reputation

10 Good

About lucig284

  • Rank
    Impressive 100+ postings

core_pfieldgroups_99

  • Occupation
    Domestic Engineer

Profile Fields

  • Location
    West Central FLorida
  1. OK, now that I know that they are NOT licensed here in Florida, should I add that bit of info to my DV/SOL letter. They evidently bought out an old account from somewhere and it is way past the SOL. What would be the best way to word my letter to them?? I haven't done this in awhile.. Thanks in advance.. Luci
  2. Can anyone tell me if Midland Funding LLC is licensed in Florida? I can't seem to locate the information. Thanks,
  3. Do I have to wait until the original 30 period I gave them in my DV letter to write to them (WWR) again?? Sherman is WAY past the 30 days I gave them back in 2003.. Also, If it isn't too much trouble could you tell me what to quote in my letter as far as Continued collection goes. My brain is starting to go to mush.. Bumping for advise..
  4. Do I have to wait until the original 30 period I gave them in my DV letter to write to them (WWR) again?? Sherman is WAY past the 30 days I gave them back in 2003.. Also, If it isn't too much trouble could you tell me what to quote in my letter as far as Continued collection goes. My brain is starting to go to mush..
  5. Bumping for some advise on this one..
  6. No it's not reporting.. I sent a DV letter to SHERMAN in Oct. 2003 which they did not bother responding to..but they did remove their entry on the CR.. They are trying to collect on an old Sears account which is being listed on the CR as CBUSASEARS. For the life of me, I can't figure out where SHERMAN is even coming from. What should I add to the letter I'm sending to both WWR and Sherman to make them stop screwing with me??
  7. Ok guys, what is your take on this one.. On Dec.13th I sent a letter to W. W.& R in response to a letter I received from them on behalf of SHERMAN ACQUISITION. In the letter I not only requested validation of the supposed debt, I also made them aware that my numerous communications with SHERMAN ACQUISITIONS and their affiliates, (I have Copies of the Certified mailings w/ signature receipts on file) have all gone unanswered and that I have reason to believe the debt is not a valid debt. I reiterated that SHERMAN has never shown proof of their claim and that ANY claim that they may or may not had, besides being unproven, is time-barred by Florida statute. ( I have a letter dated 10 or 11/1999 stating that the account was being closed for non-payment) I received the green card back showing that they signed for and received my letter on Dec.16th. FAST FORWARD TO TODAY..... I got a letter from WWR today(12/27) dated 12/17/2004, postmarked 12/23/04. In this letter they advise me that SHERMAN has authorized them to accept 60% of the total balance due as settlement of the claim. The offer is good for 15 days from the date of the letter and that the balance may change daily due to accruing interest.Therefore it is important that I contact their office to discuss the amount necessary to settle the account. It goes on to say that statements made herein are intended for settlement purposes only and cannot be construed as admitting any of the within information. It then goes on to state "This law firm is a debt collector attempting to collect this debt for their client and any information obtained will be used for that purpose." "Thank you for your attention and cooperation in this matter. Should you have any questions, please feel free to contact us." Am I wrong here or is this continued collection.. They have NOT provided the requested debt validation. Is there anything I can and should hit them with in my next letter?? Oh yeah, I sent copies of the letter I sent to WWR to Kevin Branigan and Scott Silver at SHERMAN FINANCIAL in NY, NY. I got the green cards back dated 12/20 from both of them so I know they are aware of what is going on. Do you think I should contact them again with a copy of yet another letter from WWR?? This whole WWR/SHERMAN thing is driving me crazy !! Any input will be greatly appreciated.. Thanks in advance, lucig284
  8. Yep.. it's 4 yrs for an open account here in FL
  9. I'd also add in my communications with Sherman the fact that they are NOT licensed in FLorida or Texas where they send most of their crap from. They folded like a cheap suit when I sent them copies of certificates of non compilance.
  10. The same thing happened to me. I called my local post office and asked what could be done since I paid for CMRRR. They used the number on my receipt to pull up a copy of who signed for the letter and requested a duplicate be sent to me. I received it.. complete with the name, date ,and time within 5 days. Give them a call.. you paid for a service and it was not provided.
  11. I think we should ALL tell em what we think !!!! http://www.ftc.gov/opa/2004/06/fyi0439.htm
  12. lucig284

    Hey Tina...

    Have you received a dunning letter for the supposed account??
  13. lucig284

    Hey Tina...

    I sent them an email listing the dates, times and name of the person that signed for every letter I sent to them requesting validation. I pointed out that I had not received any response from them yet they were continuing to verify with the CRA's. I listed a bunch of violations. "It is my opinion that you have violated several sections of the Fair Debt Collections Practices Act, the Fair Credit Reporting Act these acts by: --Failing to validate a debt as allowed to the debtor under 15 USC 1692 (g) Section 809 ( " --Failing to notify the credit reporting agencies that the accounts were in dispute under 15 USC 1692e Section 807 (8 and 15 USC 1681s-2 Section 623 (3) --Knowingly reporting erroneous and disputed information to the credit reporting agencies without proper validation of a disputed account under USC 1692g Section 809 ( and 15 USC 1681s-2 Section 623 (A) I closed with " Your failure to validate while continuing collection activities on this debt to is leaving me no other choice but to report Arrow Financial Services to the FTC, the FL and IL state Attorney Generals offices. I am reserving the option of seeking legal representation to exercise my rights under the FDCPA for actual, statutory and punitive damages in hopes that this matter can be rectified."
  14. lucig284

    Hey Tina...

    I have had the pleasure of trying to deal with Mr. Penner... After I sent my original email to rlavin@arrow-financial.com and jlavin@arrow-financial.com they tried to pawn me off on Penner... What a waste.. Here is how he responded to my email "It appears from your record that payments were made on this account back in 2002. Please clarify with me if you are now under the impression that the account is satisfied." Needless to say I went on to inform both him and Mr. Lavin that a statement of: It appears from your record that payments were made on this account back in 2002. Please clarify with me if you are now under the impression that the account is satisfied does not in anyway provide me with the requied information I have requested on 2 ocassions. I was then turned over to Steven Wilansky who deleted the account. It was gone from the CRA's in a day or 2... I had to put my .02 in on this.. Maybe you will have better luck with Penner than I did.. but you would think that since he was instructed to contact me by the head honcho, he would have had a more plausable answer.
  15. lucig284

    Hey Tina...

    J. Sorry it didn't work for you like it did for me.. Maybe Wilansky is getting over-run.. lucig284