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Nahjae

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  1. By the way before someone asks I did DV the collection co last year and what they sent me was a print out bill with my name and the other person's name and two rental applications one for me and one from the other person. I don not think this is proper validation I asked them for the lease because this will clearly show TWO separate leases his and mines. They claim they don't have it and can't get it because the account is so old. Once again, they asked me to get it and send it to them. But as I said the apartment complex was sold and no one seems to know where these records are.
  2. Ps the rate is 6.62% 30 year fixed va loan. through country wide
  3. The collection co is FCO formerly pierce hamilton and stern. I have been fighting them for one year now. They are very rude they will not negotiate. See this was an apartment i lived in in florida I have a little boy he is disabled (wheelchair) In an attempt for him to walk he had surgery and was casted from the waist down I had to stay home to care for him and lost my job the apt was on a second floor and i was not able to get him in and out. I worked something out with the apt management i gave them notice because i had to leave and move to massachusetts to be near my family because of my son's medical condition. I found another person to move in and they signed a lease for the apt. now 6 years later is on my credit report as a joint account. The person apparently broke the lewase and now they are coming after both of us. I explained this to the collection co and they said if i can fax them a copy of the writen notice where i was released from the lease that they would remove this from my credit report. Well i called the apartment and those records no longer exist the apat was sold to another company. the collection co won't give any info on the old company who owned the apts so that i can try to get information. He told me i was out of luck and that that is what i get for not keeping documents. This was over 6 years ago i signed the notice but i don't remember getting a copy and even if i did it was so long ago i no longer have it. So, if i pay it off i am not going to have any money in the bank to show for resevres for the mortgage. I just don't know what to do Im scheduled to close in 6 weeks and i can't fix this mess.
  4. Hi This will be my first home. I was approved for the mortgage. (va loan) Received the papers from the underwriter. APPROVAL with conditions. One that I am having problem with says Need to show last two bank statements verifying assets in the amount of $6,200 to close and any large deposits must be documented. Also, pay a a collection account $4,000. Well, I can pay the collection account but then I won't have anything in the bank. I deposit $6,000 in the bank every month but Until closing I have to continue to pay my bills at the current apartment rent is 1,400 i have utilities, credit cards, $500 car note and more. With what i had saved I have been writing checks for the buying process, $1,500 down payments, appraisal, inspection and now I have to pay this collection wich is not even mine but as much as i dispute it it won't go away i have been fighting the collection co for 1 year now and it keeps coming back verified and frivolous. Its more then 6 years old. The seller agreed to pay $7,000 towards closing. I'm getting 100% va financing. But I am not able to show That I will have $6,200 in the bank the day of closing. I have worked very hard to be able to buy my first home My scores went from 498 to 647 in less then a year I paid all collections except the one I mentioned. I even paid $3,000 on a car I cosigned for that was then repoed. YEAH that hurt alot because it wasn't even my car. But anyways I would hate to loose this house and all the moneys I've put in over this assets verification issue. Please HELP Is there a way around this? Any help would be appreciated Thanks
  5. I Dv'd RMA twice. I received no response. Equifax is the only credit bureau reporting this acct. I disputed w/equifax and of course it came back verified. i sent equifax a letter and sent them copys of green cards and copies of dv letters ansk them how where they abvle to verify if rma did not validate the act. i received the generic letter from equifax saying they needed more info from me identity info like drivers lic ss card. i did not reponse because from what i read here that is a stall strategy. i pulled my report to see if deleted and now it shows reinvestication in progress althought the 30 days are up plus they added a duplicate act with all the same exact info added 11/05 that does not say investigation in progress. I was so angry I called equifax and asked for mov and they said they do not have to provide that they asked me if i wanted them to investigate again or dispute as duplicate i said no. they were no help rep or supervisor all they said was that if they did not respond to dv all i can do is report to bbb. please HELP i am inthe middle of a mortgage deal and this is the only thing in my way I HATE RMA and EQUIFAX I do not have time to sue I am in the middle od a mortgage. need help asap
  6. I think its going to cost me more to pay the attorney then the actual $245 that is on my credit report. NO? I have not looked for an attorney yet because I did not think i could find one that would take the case. How much woul d I be able to sue them for???
  7. I sent ford a letter per the ucc laws questioning the fact that i never received any correspondence from them about this repo. They replied today with the letter they sent advising me that the person i cosigned for was delinquent along with a copy of post office certified receipt. The letter said that this was returned to them unclaimed by the post office. Well DUH!!! THe address on the letter is not my address. I called the number on the letter the rep said it doesn't matter she said it is not their responsibility to have my correct address. I told her I did not understand why they messed up on the address when I myself had an account with them and received my bills for my car to my address. she then looked further in her records and said that they did have the right address and that the letter about the auction sale and deficiency balance was sent to the correct address but that it was returned. I asked her to send tose to me along with proof of mailing and she refused. She said the only way I can get those letter is if I obtain an attorney and have them supena them. I told her whyis it that she sent me one letter with proof of mailing but she cannot send me the others notifying of sale and deficiency balance that she supposely sent to the right address but were retuned to them ( which I know is a lie because I never received anything) She said again to get an attornety and get a supena. I do not understand if they sent them to me in the first place "so they say " they were addressed to me and were supposely returned from the post office to them. THEN>>> why can't I have them now?? Why is she telling me I have to get an attorneyand a supena. This does not make any sense. I am sooo ready to sue. Please help How do I proceed??
  8. I sent ford a letter per the ucc laws questioning the fact that i never received any correspondence from them about this repo. They replied today with the letter they sent advising me that the person i cosigned for was delinquent along with a copy of post office certified receipt. The letter said that this was returned to them unclaimed by the post office. Well DUH!!! THe addres on the letter is not my address. I called the number on the letter the rep said it doesn't matter she said it is not their responsibility to have my correct address. I told her I did not understand why they messed up on the address when I myself had an account with them and received my bills for my car to my address. she then looked further in her records and said that they did have the right address and that the letter about the auction sale and deficiency balance was sent to the correct address but that it was returned. I asked her to send tose to me along with proof of mailing and she refused. She said the only way I can get those letter is if I obtain an attorney and have them supena them. I told her whyis it that she sent me one letter with proof of mailing but she cannot send me the others notifying of sale and deficiency balance that she supposely sent to the right address but were retuned to them ( which I know is a lie because I never received anything) She said again to get an attornety and get a supena. I do not understand if they sent them to me in the first place "so they say " they were addressed to me and were supposely returned from the post office to them. THEN>>> why can't I have them now?? Why is she telling me I have to get an attorneyand a supena. This does not make any sense. I am sooo ready to sue. Please help How do I proceed??
  9. CORRECTION to previous post ...The hospital sent the collections co a bill showing 0 Balance. They then alered the balance and sent it to me in response to my DV letter. The ast manager of the collection co admitted this on the phone.
  10. That is the problem they are on my credit report. I dv them because I did not know what it was. I knew it was medical becuase the hospital name was on it, but my son has medical insurance. They sent the altered bill for validation. So, I now they do not have anything else because I spoke with them and they admitted that they do not have anything to prove that the total amount is $245 on paper. That is why they altered the bill. They claim their systems show that amount but nothing from the original creditor , (the hospital). When they requested info from the hospital the hospital sent them the bill that shows ) balance and that is what they sent me but they altered it. I want to sue them to get it off my credit reports. It seems that is the only way they will remove it. I just need help in preparing this lawsuit. I really do not know where to start. I have the dv letter and green card and the altered bill they sent me.
  11. Hi, I Dv'd Focus Financial for a medical collection on my credit report. I received an envelope with no return address with a hospital bill in it for my child. I am not denying that my son recived care at this hospital this bill is 5 yrs old and although I do not remember. my son is disabled so he goes to hospitals and sees a lot of specialists so most likely he was seen at this hospital. But, for that very same reason because He is disabled Hehas always had medical insurance. this particualr bill has the insurance co. (cigna) on it which is what i had at the time for coverage. its an itemized bill that totals over $2000. It shows each charge line by line under the "Charges" column and right next to it charge it shows the same charge under the "Estimated Insurance Coverage" column. and on the bottom of the bill for toal amount where it says PAY THIS AMOUNT it shows $245 the problem is that this $245 is written in pen and you can clearly see where the collection company used WHITE OUT! and then wrote over it. I turned the bill over and put it to the light and you can clearly see where it used to say 0.00 not to mentioned that the entire bill is typed. I did not receive a letter or anything from focus the envelope didn't even have any forwarding info but i knew it came from them because i dv'd them. I think they tried to make it look like it came from the hospital. anyways, i called the hospital that was listed on the bill and the person told me that they have a 0 balance on their system. they do show the $245 but not from them but from focus she advised me to give them a call and demand a bill that was not altered. she gave me the phone number i called and spoke to two reps then the ast manager who when i asked to speak to his manager told me he would not be available till next week. I questioned him about the altered bill. I told him that the hospital shows 0 balance and asked him where he got this amount from. He said that when a debt is old the hospitals always show 0 balance because they probably wrote it off. I asked him for a valid bill. Proof of where he was getting this amount from. He was very rude and just kept on telling me that that was the bill and that was all I was going to get. I told him that was an altered bill and not acceptable. this guy was so rude he would not even let me get a word in. I told him I was going to sue and that this bill was not acceptable to me and would not be to the courts either. He did not seem intimidated at all he said that was fine. HELP! I am new at all of this I 've never sued anyone. ALthough I threaned him to sue I really do not know how to proceed from here. Please HELP!
  12. Thank you Methus. In your correction you say it applies to OC. So, I think it'll work because the loan was through Ford Motor Credit, and that is who is reporting on my credit report, FMC. Is there a sample letter around that you know of where I can mention that law for non-compliance? Is there a website with info on that law where I can read about it? AND TO ANSWER "GRIMREPO" ON HIS COMMENT: Would a typical CA threat of "Pay up now deadbeat or we'll report you to the credit bureaus" suffice as "notification" ? FIRSTABLE, I AM NOT A DEADBEAT. I HAD A LOAN MYSELF WITH FMC AT THE SAME TIME I COSIGNED WICH I HAVE PAID IN FULL. HOW DID FORD EXPECT FOR ME TO PAY THE BALANCE LEFT AFTER THE CAR WAS SOLD, IF I WAS NOT NOTIFIED IN ANY KIND OF WAY OF WHEN THE SALE TRANSACTION TOOK PLACE AND WHAT THE BALANCE OWED WAS SO THAT I COULD TAKE CARE OF IT. WHY WOULD I WANT TO PAY IT NOW IF IT WILL REMAIN ON MY CREDIT REPORT ANYWAYS. SO, TO ANSWER YOUR QUESTION NO....I DID NOT EVEN GET A "PAY-UP NOW OR WE'LL REPORT YOU" THEY DID NOT DO ANYTHING TO SUFFICE AS "NOTIFICATION"
  13. mommywads I am in the same situation. I cosigned. The car was a voluntary repo. But i Was never notified by the person who i cosigned for. THe repo appeared on my credit report but I was never given an opportunity to pay first before they reported. Did you send the letter? Did it work?
  14. xiuxiu81 I am in the same situation I cosigned for my sister. It was a voluntarily repo. But I was never contacted to try to intervene. They reported it on my credit without notifying me. Do you have a sample of the letters you sent them? Where can I find the UCC laws for Massachusetts. Any help will be appreciated.
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