Jump to content

termig8r

Members
  • Posts

    21
  • Joined

  • Last visited

termig8r's Achievements

Member

Member (2/6)

10

Reputation

  1. I have copies of their letters dated 1/28/12. I have the return receipt from them dated 1/26/12 where they signed for my letter.
  2. Hi. I need a little advice here. I have a debt on a Chase card that I owe...roughly $1700. I have not dealt with their first collection agency who quit sending me letters. Just recently began getting letters from a different agency, A.R.S. National Services offering a settlement. The problem is that I am getting their letters forwarded to me from old addresses and they were sent to some family members' addresses where I have never lived. I am in a better financial situation now and have agreed to settle with them for about 25% of what I owe. In the meantime I sent them a letter CMRR advising them of my current mailing address and phone number and that I was to be contacted ONLY at that address and phone number. They have again sent out letters requesting payment to all of the addresses that they were using before...old and other family members. Is this a violation by them since I instructed them in writing of my address and how they were not to contact me anywhere other than my current address and phone number? I am going to settle the account before the end of this month, but still would love to stick it to these guys before I am finished.
  3. I received a letter from an attorney yesterday on a debt from a local company here in Florida. It is stating that I owe his client $3400. and that his client may be willing to accept payments over a "reasonable amount of time" or would be willing to discuss "other alternatives". The attorney gave me two weeks to contact him or have a cashier's check in his office for the full amount....If payment in full or other arangements aren't made by the date his client may bring suit against me. I did a little digging and this attorney is a divorce attorney in our area who, according to his website, handles collections also (says he sends out a letter and if no response he files suit...at the clients direction, of course). My question is this. I owe the debt. Things have happenned and I couldn't pay it all at once, then. I still can't pay it all at once now. Should I send this attorney a certified letter stating that I can make payments on this? Should I call him? What should I do at this point? I would be willing to make a lump sum payment of $1000 to settle the debt. I could also pay $100 a month on it. What are my chances here? This is the first time I have ever gotten a letter like this. I am a little unsure of what to do. i have read the forums but would really appreciate some advice. Thanks!!!
  4. I received a call today from an officer that was trying to serve a summons on me from a debt that I am currently paying on. Here is the situation. In May I received a call and letter from the company saying they had not received my payment and they had forwarded the matter to their attorney. They advised me to call and straigten it out. I called and spoke to the asst manager, she took my payment over the phone. The company is here locally but my payments go all the way to Nevada( I am in FL). I expalined to her that I had mailed my payment to the Nevada address. I went ahead and gave her another pmt over the phone. She said everything was fine, not to worry about the letter from the lawyer my account was current. I have not heard from them by phone or mail since (that was May 24th) except for my current statement which shows one payment (1282.67) due 6/22/06. I mailed the payment to them a few days late (the 27th) but I did send it in with my statement coupon to the address on the bill. Then today I get a call from the server trying to serve me with a summons from this company. Can they do this? Is this legal? Someone help me because I am really confised here.
  5. So where does that leave me? I sent them a dv once I saw them on my credit report. They have not responded to me and still report it as accurate to the cra. What is my next move here? Do I have any ammunition against Arrow? Or am I out of luck because I didn't d.v. when they first reported it. It says on my cr that they have been reporting since 5/2005.
  6. OK. 30 days are up. I have the cmrr receipt and I have three new credit reports showing Arrow verified the debt with all three cra's. What I don't have is a response from my letter to Arrow requesting validation of the debt. My question is this...I never received any notice that Arrow had this account. The first time I saw them was when I pulled my report a couple of months ago. Does it matter that I did not dv them in the first thirty days of their reporting? I have dv'd them now and they will not respond to me, but they are verifying the debt to the cra's. What do I do now?
  7. I have a loan out with citi financial. The loan has matured and there is still a large balance on it, $4000. I called to make my monthly payment the other day, as I do every month, and the manager wouldn't let me. He said I needed to let tehm refinance the loan and wanted to know when I could come in and do it. I told him I would call him back and let him know what I would do. Since then I have been looking for a way to pay this thing off in one swoop rather than refinance this balance and let them suck the life out of me for another three or four years. Well, I get home Friday and I have a suspicious looking letter from an attorney. It was not like any attorney letter I have ever seen. The letterhead was computer generated and not very professional looking. It said that they had been hired to collect my debt with citi and that I should pay the balance to them immediately. It said I have one week to either pay the debt or contact the guy at Citi to discuss payment options. If I dont do this in a week they will sue me. Not file suit or anything, one week and they will sue me. They said I can dv them but that within 30 days but that they did not have to wait 30 days to sue me, it said this in the letter. I plan on calling the company this week anyway and seeing if I can stall them while I get money elsewhere to pay them off. I really don't want to go through the process of refinancing the loan and having it show up as a new account as I am just about to apply for a mortgage. Any suggestions???
  8. No, not behind on payments...the loan had just matured. They wouldn't let me make a January payment. I have enough coming back on income tax along with some savings to pay it off in full, I just need to delay them until my taxes come back. But I am kind of hacked off with this letter I got. I know that what they are doing is not right.
  9. I have a loan out with citi financial. The loan has matured and there is still a large balance on it, $4000. I called to make my monthly payment the other day, as I do every month, and the manager wouldn't let me. He said I needed to let tehm refinance the loan and wanted to know when I could come in and do it. I told him I would call him back and let him know what I would do. Since then I have been looking for a way to pay this thing off in one swoop rather than refinance this balance and let them suck the life out of me for another three or four years. Well, I get home Friday and I have a suspicious looking letter from an attorney. It was not like any attorney letter I have ever seen. The letterhead was computer generated and not very professional looking. It said that they had been hired to collect my debt with citi and that I should pay the balance to them immediately. It said I have one week to either pay the debt or contact the guy at Citi to discuss payment options. If I dont do this in a week they will sue me. Not file suit or anything, one week and they will sue me. They said I can dv them but that within 30 days but that they did not have to wait 30 days to sue me, it said this in the letter. I plan on calling the company this week anyway and seeing if I can stall them while I get money elsewhere to pay them off. I really don't want to go through the process of refinancing the loan and having it show up as a new account as I am just about to apply for a mortgage. Any suggestions???
  10. termig8r

    Target

    Finally. some success. I got a call back on my emails to Target executives, actually it was an email to the President of Target. Within 3 hours of my email Tammy, with guest credit services called me and advised that they do not usually pull back accounts from agencies....but, based on my letter and my dissatisfaction with dealing with the CA they would make an exception in my account. They are pulling it back from the agency and allowing me to pay it off in full. They weren't able to reinstate my account, but once paid it will show paid/closed, not collections. She is sending me out these details in writing and we agreed to have it paid off by the end of this month. Some success....not 100% but close.
  11. termig8r

    Target

    just an update.... sent out a goodwill letter to Target execs this morning. Played around with the email address format for a little while but finally figured out how to email directly to people there. I sent out five emails this morning. So far I got one reply saying she couldn't help but would forward my email to someone who could. I also had a missed call on my phone, I called the number back and it was a number from Target's city center headquarters. They didn't leave a message so I hope they will call back. I have my fingers crossed that I can work something out with them and pay my account off and have them bring me out of charge off and back current.
  12. termig8r

    Target

    Can anyone tell me who to contact at Target with a goodwill letter? Or how to find out how to contact them? Should I email someone? Where can I find the people I need to contact? Customer "No-Service" is no help, they just refer me to the CA and say there is nothing they can do about it. I asked for a supervisor and was told "there isn't one avalable now".
  13. termig8r

    Target

    As a result of a layoff from my longtime employer, a series of "subpar" jobs making significantly less than the one I was laid off from, and a drain on my savings, I was not able to meet some of my obligations. My Target card was one. I have recently acquired a new job in my previous field making more than I was before. This Target account just went to charge off and tha balance is only $353.00. I can pay this off all at once and according to Target I can still pay on it at the store or on their website. When I call Target they transfer me to some people called "American Recovery" who try to get me to pay them directly and try to settle the account, etc. I tell them no, I wil pay in full and I will make my payments at the Target store across from my office, so I can obtain receipts for my payments. My question is this, should I go ahead and pay Target at the store as I plan to do? It sounds to me, since they do live transfers when you call that this is some kind of internal collections at Target...the voice on the recordings are even the same. I want to pay this in full but I also want my entry to show as a paid account, not a charge off. When I call Target they won't discuss it, they just transfer me to that collection agency...and all I get there are what sound like young girls who only want to get the money out of you, not assist with your account. Also, this agency pulled a copy of my credit report and were quoting me items off of my report over the phone when I was discussing how to handle the account with them. Is this legal for them to quote other accounts off of my report over the phone to me like that?
  14. I have a card with Applied Card Bank, formerly Cross Country Bank. I was laid off and have been trying to get back to work in my field. That has taken longer than expected and as a result of having to settle for jobs with less pay and not in my trained field (finally as of September got back into my field in a job making more than I was before). As a result I fell behind and drained my savings. I was three months behind on Cross Country when I went to make a payment to catch up. I explained to them what happenned and they enrolled me in a program which allowed me to make the payment to catch my account completely current and as long as I make my payments on time every month they have gone back and deleted every late payment in my file, making it look as though I have paid on time every month and have never been late. I don't usually have good things to say about card companied often, but this time I can say that I am grateful to them for the second chance. I have been making payments of $100.00 a month since then and almost have the balance to zero.
  15. I have an item that showed up on my report from Arrow Collections on an old First Premier Account. Here is where it gets crazy. The account was a zero balance with First Premier. I paid off several accounts at the same time and all of the others show as paid. This entry with First Premier showed as a zero balance also. It also showed as a high balance of $558.00. Now it has all of a sudden shown back up as sold to another collector and that other collector, Arrow, is reporting my balance as $763.00. WTF? What should I do about this. I disputed with the CRA's as no knowledge of this account and sent a Debt Validation letter to Arrow via CMRRR. Is there anything else you guys can suggest on this? Any help would be appreciated. Thanks.
×
×
  • Create New...