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About jojo67

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    Impressive 100+ postings


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    gardening, music, and a huge MP3 collection
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  • Location
    Oregon Coastal region
  1. I have, but I'm dissabled, and was able to take advantage of total dissability, took a doctor's signature, and filling the form out twice, but was well worth it for me. That's $10,000 I don't have to pay back....(The original loans were 5,400) so the fees doubled for me.
  2. Really ?! Where did you find out about that? I'd love to read up on that one. I already closed the Visa a long time ago just kept the M/C because, I guess.
  3. Even if taken in the most harmless light, this is minor BS. HOWEVER....knowing FP and the bottom feeders that they are, you just KNOW they're going to tack on their "monthly fee" or the "prorated yearly membership fee" on to everybody's cards on like July 2nd or at the very least before FP gets around to closing the account or opening the letter stating the consumer doesn't agree to the new terms, and claim that as "usage and acceptance" of the new terms since it's card activity. I can see it coming already. So, what is my best option here? I really want to be done with FP, still owe 450 on
  4. Hmmm, I did, but it didn't come back with any more options. I thought of that, some keyword to get to an agent. I'll try again on this one. Thanks for the input.
  5. Well, through technology Experian has once again removed the human from contact. I just had an old Net 1st nat bank Master Card change from positive to negative, though it's been cosed and paid since 2002. ?! Ok, I tried to call EX, and could place it in dispute,however there is no option for a human. I believe Kim Huges helped me with my PG&E account and I was hoping someone might have her regular phone line, or at least a vm number I can leave a message on. Or a number I can actually talk to a human? On the good side, it does seem their new IVS is quite good at understanding and proce
  6. I love it! Public Shaming... What are we? in the stone age again? looking for public drawing and quarter ....THanks, I kind of needed that one... not even sure why it was so funny, but hey, I'll take it rignt now Ok, so I won't worry about the suit now, since the BK will be filed soon. THe lawyer is paid and ready to go, just need to sign off and get it filled. Thanks doc
  7. OIC WOW! it seems like serious dirty laundry info. There is nothing on his CR's yet, other than the CO. He didn't actually see the notice. what does this do for the chap 7 filling, that he just retained the lawyer for. Is there actually a default judgementlisted already? I mean he hasn't been served anything yet. The bigest concern here is in a small comunity, everyone knows everyone. That seems above and beyond harassment, slander or even liable since it's in print. At the very least defamation of Character. What do we do about it? if anything.
  8. We were at my SO's parents house today. It was mentioned by a friend of the family that they had seen his name in the news paper, Citibank is sueing SO for $XXXXX for breach of contract. Is this legal ?! Apparently our local paper lists things like this for everybody that is late on payments or somehing? Isn't that like a major 3rd party disclosure ? Seems to me like it violates just about everything. Especially since he hasn't been served any papers yet. I guess it doesn't really matter, because of pending BK 7 but that just seems wrong. Of course if she had seen it, I'm sure everybody i
  9. Especially concerning is regarding the "New Cell phone area" NICE! .>>>> NOT! :'>
  10. *** NOTICE OF CHANGE IN TERMS *** Your credit card agreement will be amended as set forth below. The EFFECTIVE DATE of these changes is July 1. 2005 The changes are as follows: ***The Arbitration Location and Procedure provisions are amended to delete JAMS/Endispute as a national arbitration organization under which a party may file its claim. All references to JAMS and/or Endispute in your credit card agreement are deleted. Neither you nor we may file a claim with JAMS/Endispute. ***provisions regarding Visa and MasterCard procedures for foreign currency transaction processing are clarified.
  11. NO! Verison Wireless is a joint venture with Verizon Communications and Vodafone. Cingular now owns AT&T Wireless, and SBC is purchasing the remaining AT&T, or trying to
  12. I have to wonder if MBNA isn't doing funny business here... I mean isn't the account actually discharged in BK? I'm asking because my SO is filling BK on MBNA, and I was AU on the AAA Visa. They tried to place it on my CR and I put a big stop to it, right off. I had to remind them that AU didn't mean responsable. If this account was discharged in BK then I'd contact the BK lawyer and bounce this one off of them. Please let me know further on this, is concerning me greatly now.
  13. oops, didn't really see everything in the report... I'm running a bit tired today.... No, if they are positive, kep them... and they stay for up to 10 years. Not a bad thing, per se anyway.... if they are neg they need to be removed. WHat cought my attention, was the date of report, or status.... so check there... unfortunantly, EX doesn't show the dola clearly. Do you have any info from that time frame when you had the accounts? that might give you the DOLA. Otherwise I'll try to help pick apart what I see... but better not while I'm so fatuiged right now
  14. Ok, ther is a lot there, but I'm going to offer a place to start anyway...... Pretty much a lot of tese are way past the 7 year reporting time allowed by the FCRA. Anything past 7 years (anything before May 1998) should be gone! Dispute them as obsolete and they should fall off. Which cra is this on ? was this all on one report, or combined from all three? You might want to get started pulling all three current reports to see where you are. Dispute with the cra's "obsolete" and most will drop easy enough. After that, wait the 30 days and see what's left. In the mean time, read up on thin
  15. I think $20 or $25 for a CLI. they used to review on their own and offer a CLI, but they still charged me the $25 to do it. They just want their fees and more fees.