Fizzle1979

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Fizzle1979 last won the day on March 24 2009

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About Fizzle1979

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    Fizz The Wizz
  • Birthday 11/13/1979

core_pfieldgroups_99

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    CIC Addict

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    TX - The Debtor Friendly State!

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  1. I thought this was an interesting read and would share. Judge Orders Bank of America to pay Fannett Woman $300,000 A Jefferson County judge ordered Bank of America to pay $300,000 to a Fannett woman after the company tried to foreclose on her home. Attorney Wyatt Snider says his client Trudie Crutchfield had been fighting with her mortgage lender following Hurricane Rita. At the time, Crutchfield's mortgage was handled through Country Wide. The company had allowed Crutchfield to miss several mortgage payments without penalty following the hurricane, but then attempted to charge her late fees. Crutchfield was a lead plaintiff in a suit filed against the mortgage company in 2007. In 2008, a settlement was reached in which the company agreed to make up the loan without late fees and a reduced interest rate. Crutchfield attempted several payments, but the company would not accept them. Bank of America then took over the loan and tried to foreclose on her home. The company also allowed the information to go on Crutchfield's credit report. Snider says he filed three lawsuits on his client's behalf and Wednesday was allowed to present his evidence to 58th District Court Judge Bob Wortham, who ordered Bank of America to pay $300,000 in the next 30 days. If the company doesn't pay Crutchfield within 30 days, Wortham ordered the Bank of America to pay her an additional $300,000. Wortham also ordered Bank of America to fix Crutchfield's credit within 90 days or pay another $300,000 penalty. Snider says he considers the judgment a "huge victory" but expects Bank of America's attorney to appeal the decision before the 30 day period ends.
  2. Just FYI the SOL on the repo is from the date of sale of the auto. But I haven't been on here in years and that might have changed.
  3. I'm circa 2007 does that make me an oldie? I made a post earlier today and then started browsing and was glad to see some of the oldies still hanging around. Reading some of the posts made me think back to the days when credit repair was my life. Speaking of oldies ... I really admired SecretAgentWoman ... reading her posts made me feel like the underdog could win. And thanks to all the others who helped me out back in the day. I think showing each of those companies that I wasn't going to back down regardless of what they did or did not do was key in my success and removing all my negatives. I was hell bent on removing anything that was inaccurate...even old addresses. Looking back I can't believe I actually had some removed. I hope all of you are doing well and hope you have a great holiday season!
  4. It's been years since I've been on here but I got this letter in the mail and thought it might be useful. Apparently it PAYS to make complaints!!! Background ... apparently at some point in 2007 or 2008 I had CBCS or Credit Bureau Collection Service posting inaccurate items on my credit report. Apparently I made a complaint with the Ohio AG at that time. Long story short the inaccurate information was removed from my credit report. Fast forward to 2011... I received a letter from the Ohio AG office.... Our records indicate that you file a consumer complaint with the Consumer Protection Section of the Ohio Attorney General's Office or with the Better Business Bureau regarding debt collection practices of Credit Bureau Collection Services (CBCS.) Our office has been specifically reviewing the business practices of CBCS and working with them on ways to improve. On August 12, 2011, our office entered into an agreement with CBCS, called an Assurance of Voluntary Compliance (AVC.) In this agreement, CBCS agree to refrain from business practices that violate the Ohio Consumer Sales Practices Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. CBCS also agree to make changes to their practices, which we feel will be good for consumers. As par of the monetary aspects of the agreement, CBCS agreed to pay a sum of money to the Office to be distributed to consumers who filed complaints against CBCS that alleged violations of consumer law. According to our records, your complaint falls within those parameters. The amount of money paid to each consumer will depend on the number of consumers who choose to participate in the program. We estimate that each eligible consumer will receive at least $225.00. The letter goes on to say what was required to receive the payment. I remember Ohio having horrible debt collection laws compared to Texas so I thought this was interesting to see the AG enforcing what laws they do have. Hopefully this isn't old news ... I searched the forum and couldn't find anything regarding this matter.
  5. Whoa, it's been a while since I've poked around here...but good to see the same folks are still at it! Merry Christmas!
  6. I've only found about 40 of them so far. But 2 of the 40 had been well thought out hides...which is fun to find. One of the hides the person had found a tree that had been cut down, but the stump was still there. The clue to the hide was "don't get stumped" and I knew the hide would be around a stump. But this person had managed to cut the top half of the stump off, then cut out the interior of the tree stump, put the 'cache' in the interior of the stump, put a well hidden hinge back on the stump and put the top half of the stump back on. So it just looked like a regular old tree stump. So I spent a good while looking for that one, but was kinda neat to see someone had put so much work into hiding a cache. Of course this was in a national park and the cache owner got permission from the park to hide the cache.
  7. It's been fun, got me outdoors. In addition to finding geocaches I've managed to get poision ivy/oak/sumac and chiggers twice now. haha
  8. D! Glad to see you are still around!
  9. After a few years of spending hours and hours on this website my credit report has become the pillar in my family. But with that said, I no longer find myself on here as much anymore. I found a new hobby: Geocaching Anyone head of it? Anyone do it? It's kind of a dorky hi-tech treasure hunt. Has anyone else formed a new hobby since having their credit repaired.
  10. I ended up closing my account. My two co-workers ended up closing their accounts. Our payroll department deposits our paycheck's on wednesday nights, every other bank and credit union manages to have the funds available that Thursday morning. However, Compass made my two coworkers wait until Friday. That is why they ended up changing.
  11. Citibank / The Home Depot - Increased me to $5600 from $4000. I got the card in 12/08 with 12 months no interest, maxed it out with new appliances, been paying on it since. I have about $1500 left to pay before 12/09. Since I purchased the appliances, I have not used the card once.
  12. Tell them to provide you with the documentation that they have that says you filed BK.
  13. I would imagine this would affect your credit report. The Uniform Commercial Code usually is what applies to repo's. But it would only apply if FL adopted it. So google FL UCC and read what you find. Also like the previous poster said, the SOL applies to when the car was sold at auction, etc. Not from the repo date. If the OC repo'd it and didn't sell it for six months, then it will extend your SOL.
  14. Tell them you are going to file a complaint against them for deceptive trade practices for advertising daily pulls but you are not able to pull daily with the BBB.