TheLookingGlass

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About TheLookingGlass

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    20109
  1. Balance: $829 Date Updated: 10/28/2011 High Balance: $829 Credit Limit: $280 Last Payment: 04/05/2011
  2. I received a letter that states it is from AMEX (an OC). The letter says I should call a NCI (a CA) phone number to set up payment arrangments. The item is no longer on my CRs, but were there in 2005. The item that they are writing about is beyond the SOL. Is there a way to use the 623 dispute method and the Debt Validation method since I am not sure who the letter is from? The item is not on my CR for me to dispute with the CRAs to start the 623 method.
  3. I've used both and I agree. Get one of these. -- or -- I changed recently because I did not like the sunset'ing rules. I am currently using GnuCash but it has most of the drawbacks of OpenSource software, but it is free .
  4. In the case where an OC bought a CA and collection actions are taking place, what should the debtor do? If a dunning letter arrives and the sender is treated(by the debtor) like a CA, can the OC ignore the debtors request for a DV? If the sender is treated like an OC, how should the debtor respond to the dunning letter?
  5. I used the AMEX logo because it is what is in the letter. It is also the name used on the phone. The only reason I believe the letter is from NCI, is that a internet search suggests the phone number and address provided in the letter and on the phone are NCI. I am going to send a DV since it can't hurt, but it might provide me with information. If I use the TL on my 2005 CRs IF this is the OC, is there a way to compel the OC to provide information to me that gives the amount or Date of first delinquency? So far, I've only been able to definitively determine actions for a CA or JDB. Are
  6. Where should I send the DV letter? The consensus is that calls and letters are from NCI (based on a phone number search). The address of NCI is: 2015 Vaughn Road, Building 400 Kennesaw, GA 30144 or should I sen it to the address in the letter? or both. The calls are as follows:
  7. I will DV. No AMEX TL is on my current CRs (TU,EQ,EX). SOL is 6 years in VA, where I currently live. SOL is 4 years in TX, where I lived in 2002/2003 (DOLA on 2005 CR) Which should I use?
  8. Here is contact information I found about a number calling me from AMEX for the past 2 weeks. The recording requests that I call back and when I called back a recording asks for my Name and SSN, at which point I hung up. Nationwide Credit Inc, Atlanta (NCI Headquarters) 2015 Vaughn Road, Bldg. 400 Kennesaw, GA 30144 770-644-7400 Office 800-898-1666 Toll Free http://www.ncirm.com/ Caller ID: 800-964-7365 Caller: Nationwide Credit, Inc. Caller Type: Collection Agency
  9. Surfhn, Thank you for the response. Most sites state that the TL listed in 2005 is just past SOL in VA and well beyond SOL in TX. After reading further, is seems that I can forever expect to get collection calls about this issue. Is there any action I can take to assure I will not be contacted about this again? TheLookingGlass
  10. This was resolved by Lowes calling me with an apology and clearing my account of any balance. I did not receive a letter to that effect.
  11. I did write the PUCT, the BBB, and the AG. A few months later the TL was dropped and I was sent a letter suggesting that a mistake was made.
  12. I've been receiving calls from AMEX. Oct 26, I received a letter from AMEX for a settlement offer of 40% with a deadline of Nov 29. I checked Oct 28, 2009 TU and Oct 28, 2009 EQ and no AMEX TL was present. I am waiting to get the EX CR. Here is some more info from previous CRs: AMEX TL from Oct 21, 2005 EQ Date of Last Payment: 8/2003 Date of Last Activity: 7/2002 AMEX TL on Oct 17, 2005 TU Estimated date of removal: 06/2009 AMEX TL on Oct 08, 2005 EX Reported Since: 7-2002 Last reported: 7-2002 All CR TLs at the time showed debt as CO I am currently in VA and was in TX in 2002. I believe the
  13. The OC has requested payment on a debt that is past SOL and not listed on my CRs. Should I ask them to investigate, start the DV process, or send an FOAD? I have until November 18 to reply. Any help would be appreciated.
  14. AMEX sent me a dunning letter Oct 26, 2009 for a TL that dropped around 6/2009 and SOL was 7/2008. Are you suggesting that AMEX can legally relist this TL? Related to: "AMEX wants to settle 40% after SOL" http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=298588
  15. I am writing to make sure I am on the right track here. I've been receiving calls from AMEX. Today I received a letter from AMEX for a settlement offer of 40%. I checked Oct 28, 2009 TU and Oct 28, 2009 EQ and no AMEX TL was present. I am waiting to get the EX CR. Here is some more info: AMEX TL from Oct 21, 2005 EQ Date of Last Payment: 8/2003 Date of Last Activity: 7/2002 AMEX TL on Oct 17, 2005 TU Estimated date of removal: 06/2009 AMEX TL on Oct 08, 2005 EX Reported Since: 7-2002 Last reported: 7-2002 All CR TLs at th