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Everything posted by Longshot

  1. Ok sounds good. Any other advice. I'm going to court tommorow, so I can use any tips. It's only mediation, but i'm still pretty nervous.
  2. How exactly should I bring up Discovery in a mediation hearing?
  3. On the original summons I got, it lists Erin Capital management as an authorised agent of HSBC authorized to collect on their debt. So i'm sure thats already a matter of record.
  4. Ok, Long story short, i'm going to court on wed. I have a Mediation conference set up. I'm being sued by Erin Capital Management for an old HSBC card. They are suing me for around $2800 The card was a $500 limit HSBC card issued back in 1999. It was a charge off somewhere around 2003 or 2004. I'm not exactly sure when. All 3 of my credit reports are showing 2004 as the last payment. But I don't remember making any payments or attempts at payments in 2004. But I don't have any records going back that far. Erin used to report the collection account on all 3 of my credit reports. However I disputed them with all 3 of the credit agency's saying I didn't owe them any money and the 3 credit agency's removed Erin from my credit report. So thats telling me Erin never was able to verify that they are authorized to collect and have no proof of the amount owed to them. Does that sound right? All 3 of my credit reports show different amounts owed to HSBC on the original charge off. One shows $900, one shows $2800, and the other shows $1300. Of course Erin is suing me for the $2800 amount. So since I will be going before a judge in this mediation hearing, I want to know what I can use in my defence. Can I use the fact that I disputed Erin capital with the credit agency's and they were removed from my reports since they couldn't verify any information? Can I use the fact that it was a $500 card and HSBC is showing 3 different amounts owed on all 3 credit reports? Anything I should or shouldn't do or say? Thanks in advance everyone. I'm pretty nervous. I don't want to pay a cent to a junk debt buyer.
  5. I totally forgot. Thanks for reminding me. I'll call them this afternoon and see what they have to say.
  6. Thanks. I'll give them a call tonight and see what they say.
  7. Does anyone have the phone # to contact Citibank for a reconsideration? I was deined on a card with them. I want to call and see if I can talk to an underwriter to reconsider. Thanks in advance.
  8. Just curious. Do they have a website to check application status?
  9. On a side note, I have disputed Erin Capital management with all 3 credit agency's. Apperantly Erin Capital couldn't verify that they have the rights to persue me. So the big 3 removed Erin from my credit report. However I still have a charge off showing a $0 balance from the original creditor, HSBC. I have disputed that a few times with the big 3 and each time it gets verified. So how can HSBC still verify and stay on my records, but Erin Capital, who can't verify, is actually suing me?
  10. Ok, I just got an update last week. My lawer had originally filed a motion to dismiss. So Erin Capital came back with a "Notice of Telephonic Hearing". That was seheduled for 10/05. It was to go over my Motion to Dismiss and the Plantiff's Motion for Discovery. Well I guess my lawyer or the judge went ahead and set up a mediation meeting for the end of this month now. So I'll have a court date at the end of the month for mediation. I'll see what happens now.
  11. Ok, So let me make sure i'm understanding this and if I can use that letter you posted. I have a charge off from HSBC back in 2003. They have been showing as a charge off on all 3 of my credit reports. However it has a $0 balance listed. They have sold my account to Erin Capital Management who is trying to sue me for the balance owed. I disputed Erin Capital with the big 3 and all of them removed Erin Capital from my credit reports. However HSBC is still showing and everytime I dispute with the 3, it comes back verified. So can I use this letter for HSBC to get them removed? Erin Capital management is listed as the Assignee of Household in the lawsuit if that makes a difference.
  12. I agree with what the last poster said. Keep your credit. Don't risk a repo. A voluntary repo is still a repo. They will still sell your car at auction and come after you for the difference. With that much of a difference I would say it's a safe bet that the finance company would take you to court over the balance. So you either pay now or you pay later. One way or another, they will get their money at your expence. Instead of giving up, try and pay an extra $100 or more per month for the next year. That extra you pay will go straight to the principal and help bring down the amount you owe quick. Then try and refinance.
  13. I just applied and got the 30 day message. So I'll see what happens. My scores are around 650, but I have two Crapital one charge off's hanging on that hurt when I apply for a card.
  14. Wow, great job. Way to go. Take it easy while you are healing. I've had bruised ribs before and I know how painfull those were. I can't even imagine a dislocated rib. Ouch. Get lots of rest.
  15. I have 3 negatives on all 3 credit reports: 2 - Crapital one charge off's. 1 - HSBC charge off. I can't get any of those to come off my reports at all. No matter what I do. Sigh. It sucks. I have great credit for the past 3 or 4 years. But I can't get any prime cards due to those three charge offs.
  16. Congrats. What are your credit scores like? Any other major cards?
  17. I'm sure if they sent me something, it was exactly that. A fine print notice. I do mostly everything online anyways, so I just glance at the bills when they come in. I called them saturday. I spoke to a CSR who told me there was nothing they could do. They wouldn't remove the monthly fee. It's just the annual fee I paid upfront, only now it's monthly. They wouldn't offer me a credit limit increase. They wouldn't offer me an interest reduction either. So I asked to speak to a supervisor. They told me the same thing across the board. There was no incentive for me to keep their card. So i'll just pay it off and sockdrawer it for the next 6 months or so. That way I can get some history on my new cards. Then i'll just cancel the Hooters card.
  18. Whatever they agree to, get it in writing. Don't trust anything anyone on the phones tells you.
  19. Congrats. Definatly let us know who it was with. Way to go
  20. I had my fiance apply last night since she needs to start building her credit history. She doesn't have bad history, just none in the past several years. She got the 7 to 10 day message. So we'll keep our fingers crossed.
  21. Congrats man. Thats great. So what are the plans for the car? I'm sure the other posters car was a base automatic talon. A turbo awd talon will run low 14/high 13 second 1/4 mile times with a few mods. A honda accord, even the 5 speed V6 model, would only run mid 15's if they were lucky.
  22. Congrats man. Thats great. What's the apr on it if you don't mind me asking.
  23. Congrats. NFCU rocks. They are my highest credit limit as well. I got approved for a $5000 credit card and a $3500 line of credit. If you haven't done so, apply for their line of credit/overdraft protection. It's almost a guarantee when you are approved for a credit card with them.
  24. Has anyone had the card then canceled the card. Then reapplied and got a better interest rate and credit limit?
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