borgman72000

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borgman72000 last won the day on September 12 2008

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About borgman72000

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  1. There you are correct for sure. I took a friend to my CU the other day, he drives a concrete truck and makes a good living. Anyway, he was trying to get preapproved for a car loan. He fills everything out and the agent submitted everything and 5 minutes later told him that underwritting wouldn't approve him because his listed occupation was construction. She resubmitted him as a concrete specialist and he was approved in 10 minutes.
  2. If they weren't sent to you in discovery, they can't be used against you. You object to them as hearsay.
  3. Wow! Just got a letter from them today. I just got a CLI last week of $1000. :-/ "After carefully reviewing your account history and current credit profile, we are advising that we are closing your account for the following reason: -You have opened an excessive number of revolving credit accounts recently" Tried calling to get a real reason and to get the account reopened since I charge about $450 a month to it, then PIF every month. The phone jockey couldn't/wouldn't give me any real information other than they are reviewing everyone's accounts and "proactivly closing accounts deemed unnesces
  4. In my experience, it can take up to 90 days. If you're in a rush to get it gone, dispute it as obsolete.
  5. Nor would anyone here blame you. I don't agree with a JDB issuing a 1099c for several reasons. First and foremost, the 1099c should be just principal, not interest, late fees, over the limit fees, etc... Which, as we all know, is never the case when a JDB tries to collect. Example from DW's personal experience. When we married, I put her on my Verizon plan, she cancled her plan, but didn't get a final bill and never paid it, so this old Cingular account from 6 years ago was $28, now AFNI says it's nearly $900. Help me out with the math here, but there is no way a $28 bill turns into $900 wit
  6. @ andres When disputed with a CRA, if requested, they have to provide the method they used to verify the information. @ dizzyliz Yes, they can ask for this information. But I'll make it easy for you. They used eoscar.
  7. An 83 year old man decided he couldn't wait the 3-5 seconds for us to clear an intersection (read failed to yield right of way) so turned left in front of us (we were doing 30-35). Bad thing is (or good, depending how you look at it) the car is a total loss, we'll find out what insurance is going to give us for it tomorrow. Good thing is, the old man literally **** himself. So, at least there was some humor in it other than getting the title just a few hours before. And before you go off ranting and raving about how cruel that is to say about another human being, I don't care. He took the liv
  8. Yup, there is. DW paid off her car 3 weeks ago. Got the title Saturday morning and got this 3 hours later.
  9. Uh Oh. Someone's been visiting InsideArm. Careful over there. It can turn your brain to mush.
  10. I stand corrected then. My understanding was it only applied to 3rd party collectors, which an in-house collector would not be considered third party. Ah well. I posed the question to my naca.net attorney and he gave me a very long pause before saying he'd look into it. You want some. I just got a brand new bottle of 90.
  11. It only took about two weeks. We hired a naca.net lawyer who filed the claim against their bond + atty fees. Probably the easiest $500 he made that entire week.
  12. I'm doped up on Demerol, so this may sound assish without meaning to. My higher brain functions are non existent at this point. IMHO, I think it would be beyond a stretch of the imagination to apply the TFC to an OC concerning debt collection. However, I would have to re-read the subsection concerning telephone calls, harassment, et al. If I remember correctly, you may be able to apply the deceptive trade practices amendment to them, but like I said, high on Demerol.
  13. Yes, Wamu now owns the rights to Providian. About the only option you have is to send Wamu a 623 letter CMRRR.