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dtronx

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  1. Hello, Need some help with this please. Got a letter from Lyons, Doughty & Veldhuis claiming they are collecting on behalf of Crap One. In there letter they sent me they forgot to add the paragraph that "At this time, no attorney with this firm has personally reviewed the particular circumstances of your account" and has an attorney's name at the end of the letter. Sent them a DV letter requesting that they validate the debt and that if any arbitration clause exists I envoke it.. They responded with a notorized letter from someone in Virginia stating they are familiar with the account. Upon searching the web and other things I see that numerous people are complaining about robo signing from this person. Received a letter today showing that they are suing me in court. Can someone help me with this please.
  2. Here is a letter you can send out to the CA: Your Name 123 Your Street Address Your City, ST 01234 ABC Collections 123 NotOnYourLife Ave Chicago, IL Date: _________ CMRR#____________ Re: Acct # XXXX-XXXX-XXXX-XXXX To Whom It May Concern: This letter is being sent to you in response to your attached letter. If you have nothing in writing use the phrase "recent communication, if you have had NO communication other than the entry on your report, use this: "This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my (name of CRA) report" This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please attach copies of: Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as being subject to the HIPAA and (name of your State) medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, Your Name(PRINT OR TYPE DO NOT SIGN) Not only does this request validation from the CA it also includes a cease & desist to them too. I have used this on many medical accounts and works well.
  3. Hello, I recently had a capital one account show up on my EQ report. I disputed it and they updated they payment history on it put the payment history makes no sense plus the account is not even mine here is what their reporting as my payment history: Balance: $0 Current Status: Bad debt/collection Past Due Amount: not reported Seven year payment history 30 days - 0 60 days - 0 90 days - 1 (May 2007) Under my recent payment history there reporting: 5/07 CO and then from 06/07 thru 04/09 all on time payments but stating the date of last activity was 10/04. How can the last activity be on 10/04, charged off in 05/07, and then current from 06/07 thru 04/09? Can someone please help me as to my next course of action here. From what i'm thinking I looks like it time to file suit against Cap One and EQ. Should I send the MOV before I do anything with suit too? Thanks for the help.
  4. Hello all I need help with this problem that I am having. I had a problem with EQ where they split my credit report and screwed the whole thing up. When I got them to finally merge everything back together I found that they were two accounts that were reinserted and being deleted back on 6/4/08. EQ sent me a letter on 3/24/09 stating that the two accounts were reinserted on 3/9/09 (which is clearly more than 5 business days when they are supposed to send me the information). On 1 of the account they reinserted they are saying that I was 30 days late in 8/05, 60 days in 09/05, 90 days in 10/05, back to 60 days in 11/05, then 90 days in 12/05, and then CO in 1/06, 2/06, 3/06. EQ also states that the account was closed in 4/06 but are reporting me current from 04/06 thru 02/09. How can I be current from when it was closed in 04/06 thru 02/09 but you still have me as a current status of being CO. One an account is closed why would they still be allowed to report you currently? I appreciate any help with this.
  5. Ok sent dispute to the TU as well. Will let everyone know of the outcome.
  6. Hello all, Quick question here. I got a letter from a collection agency back on 11/5/2008 for a supposed credit card that I never had. Today I received an alert with my credit monitoring service that they reported the collection to TU. Can they report the debt to the CRA's before they give me verification of the debt? I sent the letter out today for verification which is well within the 30 days that they stated on the back of their letter. Thanks for the help.
  7. Their not reporting it to any CRA at the moment but I definitally will look into what you said and let you know what they tell me. Thanks.
  8. Willingtocope the latest statement that I received that says it was printed on 09/29/2008 states specifically "Interest on Judgement Award" and shows an interest amount. While looking over the statements that I received from them here is a list of what they say: 12/25/2004 - Suit Prep. Fee - $300.00 08/25/2005 - Judgement awarded by court - $4,580.23 08/25/2005 thru 10/25/2008 - Interest on judgement award - $45.80 08/25/2005 - Credit report charge $6.00. It's physically impossible for a judgement awarded by the court in 08/2005 since the date on my Summons states that I was served on 11/08/2007. On 02/11/2008 I received a letter from their attorney's and the court stating asking to withdraw the Motion for Summary Judgement and a letter stating to dismiss the above-captioned matter against the defendant (being me) but it states WITHOUT PREJUDICE without costs or fees to any party. What would be my best course of action? File law suit? And what would be nature of the suit? I appreciate all the help being given.
  9. Hello all, Just a quick question here. I have a creditor who tried to sue me and lost since the debt was out of SOL. Now after they lost the case they keep sending me statement stating my previous balance outstanding and showing interest on judgement award which is physically impossible since it was (1) Out of SOL, and (2) dismissed by their appointed law firm. If their any this I can do to stop them from harrassing me by sending junk mail to me. Or show I send them something stating that it seems like their using intimidation by trying to say that I am accurring interest of a judgement award which I know if physically impossible.
  10. dtronx

    O

    Quick question I hope someone could help me with. I have a First Premier account that was charged off and sold to Arrow. Before on my TU report it was showing CO and now they updated to Payment after charge off when I never made a payment to them. For some reason it is also saying collateral: SLD to Arrow Financial? How could there be any collateral if they sold the account.
  11. The only point the gets me mad about it that my score keeps going up and down when there is no need for it. Either fix it cvompletly or leave it alone.
  12. Don't know. I checked CIP this morning had 5 inq on TU. Checked TC after finishing with CIP and now have 4 inq with TU. Guess there playing the puppet game with us.
  13. Tell me about it on the crap one account when I told them to close it they told me they would close it when I have a 0 balance and not before then. It even says so on 2 or 3 of the statements that I have.
  14. Ok thanks for the help.
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