spray25

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About spray25

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  1. Thank you BV80. I looked on naca.net and unfortunately there is only one attorney listed in my state and he is a long ways away. Is PRA's continued reporting to the credit bureaus (and not showing it as disputed) continued collection activity as well? Possibly generating additional violations? I think we need to send PRA another letter confirming that we do still dispute the validity of the debt so that they don't just summarily close their "investigation". We also received discovery, request for admissions, and interrogatories in yesterdays mail along with some attached documents including a bill of sale and affidavit. The documents are quite interesting and I will need to do some heavy duty research on how to handle them. The both documents refer to additional documents that were of course not included. I'm not really sure how to word my discovery requests. My primary goal being to have them prove standing and to provide more information on the signer of the affidavit. I have a lot of suspicions concerning the applicability of this affidavit to this case.
  2. Hello all. My fiancé was recently served. The suit was filed by Johnson Mark LLC representing Portfolio Recoveries. We are in the state of Idaho and my fiancé does not remember the alleged debt. OC is claimed to have been US Bank. We could use some help in making sure we handle this correctly. Here is somewhat of a timeline of events and information. I received the complaint and summons from a process server at our home in mid June. The complaint itself was filed back in January. Interestingly, the process server very much wanted to speak to my fiancé and twice told me that it was no big deal and that she didn’t even need to respond to the complaint, that instead my fiancé should just call the toll free number and talk to Johnson Mark about it. Man do I wish I had some way to prove this is what he did! The complaint strikes me as typical boiler plate stuff. It alleges my fiancé entered into a contract with US Bank ending in xxxx1234 (no date given), defaulted, owes $4,000 to plaintiff plus interest, and that written demand was made upon defendant more than 10 days before this action (not true). The very same day as the service when I checked the mail there was a letter from Johnson Mark dated the first of May. Remember this was mid-June and I don’t buy for a second that it took their letter 6 weeks to arrive. There was no post mark only a bar code. The letter was a typical collection letter with very generic information about the alleged debt. It gave the standard 30 day notice, although it said that their client did not have to wait the 30 days to pursue their contractual rights to collect the alleged debt. The letter went on to say that “At this time, no attorney with this firm has personally reviewed the particular circumstances of your account, and no decision has been made to file a lawsuit.” Obviously, this is completely false as they filed a suit 5 months earlier and had it served the very day this letter showed up. The letter went on to say this is an attempt to collect a debt and that the communication is from a debt collector. I checked and Johnson Mark is not licensed as a debt collector in Idaho. Idaho does, however, offer a partial exemption to attorneys. We pulled credit reports and PR does show on all three. We sent validation letters to both Johnson and PR and started on an answer. As soon as the green cards were returned we filed disputes with the three bureaus, PR had not changed the status of their reporting. (currently waiting for disputes to be finished) Johnson responded very quickly to the validation request. They sent a letter stating that they were providing verification, they had looked at information provided by their clients, and that they had determined that my fiancé owes the money. They again identified themselves as a debt collector. They attached documents to the letter. 1) A print out that looks like they simply typed containing my fiancé’s name, current address, social, date of birth, the amount sought (original amount plus $150 in costs), creditor PR, the OC and address and an account number. 2) A document that looks like it may have been part of a data dump from an OC. In addition to the information on the first document it contained open date, delinquency date (2011), a notation that it was a visa and etc. 3) Two statements that are allegedly from US Bank. The statements were somewhat interesting. The first is from July of 2011 and show a $100 payment and a balance owed of approximately $4,000 which is the exact amount of the suit. The next statement is dated February of 2012. That statement shows a credit of $1,000 that says “interest reversal”, then it says “charge off $3,000”, and “total new balance $3,000”. So if the “total new balance” was $3,000 why is PR suing for $4,000? I helped my fiancé write and file an answer. County of residence was admitted, the claim of them making demand 10 days in advance of the suit was denied, and all other items were denied for lack of knowledge. The answer also contained sort of a kitchen sink approach of affirmative defenses. Yesterday PR sent a response to the request for validation. Their letter states that the account was “sold, assigned, and transferred by the seller to PRA.” It goes on to say that on that date of the sale the seller said it was $4,000 and there were no un-credited payments, counterclaims, or offsets against the account. They specifically show the aprox $4,000 amount and say fees are $0 yet they filed a lawsuit 6 months ago showing an amount that is $4,000 plus fees. They say if we want a payment history to contact them (already asked for this in validation letter). They then say that if we wish to dispute this that we need to send them documents and that if they have not heard from us by July 21 they will close the investigation. In big bold letters they state that this is NOT an attempt to collect a debt. At this point I need some input and help. I need to respond to PR, but am not 100% sure how to respond. I need help figuring out if there are any FDCPA violations (there seem to be false statements in the communications and have they continued to collect without validation?) Should I bother to file a complaint against Johnson Mark for not being licensed or will the attorneys at law factor make that a non-starter? Finally I need help on discovery requests. I’m not sure when I will need them, but I want to be prepared. I am sorry for such a long post and I thank you in advance for any help you can provide.
  3. My Blue Sky is at $30k and my Delta is at $1k (moved it to Blue Sky). Is Amex still difficult to get above $30k? Should I ask for a bump above $30k or bump the Delta and then move is to the Blue Sky? I intend on closing the Delta before the annual fee is due. As much as I want my Blue Sky bumped up I would prefer to not go through the financial review.
  4. You found the G-Spot, your timing is just off. I got my luv bump the night before last.
  5. I've been away from the forum for a while, but thought I should update that I got a bump on my BS to $27,500!!!!
  6. Looks like the system is back up this morning. I had to leave $1000 on Delta, but I was able to move the rest. Is there a max AMEX will go on one card? I know a financial review is a possibility with them at some point. Is it typically based on overall limits or the limit on one card? Probably both I would guess, but I want to figure out if I close Delta and keep raising the limit on Blue Sky at what point am I asking for trouble? Have any self employed people had a FR? Will they only accept tax returns? For mortgages etc I do stated income and/or provide bank statements. Never tax returns.... I guess my accountant does to good of a job
  7. Sky your knowledge of AMEX is getting scarry!! Unfortunately: We're Sorry... We are currently upgrading our site to improve American Express Online Services. During this time you may experience intermittent system delays.
  8. Now that I have my Blue I really don't want my Delta. I will never use it and I don;t want to pay the annual fee. Is there such a thing as moving my CL from Delta to Blue to increase the total limit on Blue? If yes I will do it and close the Delta. Or, do I have to just close Delta and keep asking for CLI on my blue?
  9. Yes it asks you what you want your new CL to be and it asks your income. That's all. I have read here that there is a "long" form that some people have had pop up and that if you use that one it will pull an inquiry.
  10. Hey Sky, I got the Blue Sky today. I activated it online and then asked for a bimp to $15k. I GOT IT!!!!
  11. Yes they are having computer problems. the person I spoke with said they are doing a lot of upgrading and have been having issues not only with the internet, but also their internal programs. I had to call several times over the last 10 days, but they seem to have it all figured out now.
  12. $10k!!! YIPEE!!! I had been down in the dumps because I closed my Orchard card last week. The annual fee was billed at $59 and I could not get them to waive or even reduce it. The CL was $850 and the lady said she could increase it by $500. BFD!! I was sad because it was my oldest current card (over 2 years), but somehow AMEX has made me feel better about now!!
  13. They approved me for the Blue Sky card. I had to straighten out some confusion on my address, but then the guy said "ok I'll go ahead and approve you, you should have your card in about a week." I forgot to ask the limit though.
  14. I applied for a Blue Sky and it has been "in progress" for 3 days