CN2Ride

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About CN2Ride

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  1. I have an SBA loan from 2005 that went into default. It was referred to the dept of treasury and now I'm paying the balance through wage garnishment. Will they or can they continue reporting collection on the account until it is paid in full? I have at least a year left to pay and the default was over 10 years ago. I've tried sending them letters asking for a statement or balance of the account and they never respond. The only information I can get is what they report to the CRA's. I've tried disputing a few times and it always comes back verified. I'm at a loss here to find out if I even h
  2. This is the letter that I sent to the furnisher December 22, 2015 LVNV Funding LLC. P.O. Box 10497 Ste 110 MS 576 Greenville, SC 29603-0497 To whom it may concern: This is a Notice of Direct Dispute under the provisions of FCRA ยง623(a)(8)(D) and 16 CFR 660.4, of the accuracy of information you have reported to my cred
  3. Yes, the balance, first date of delinquency, and account opened date are all incorrect. I assume they are doing this in an attempt to re-age the debt. My records indicate the FDD with the OC was back in 2006. I've been disputing this account for a couple of years. This is the first time trying the MOV. The letter sent to lvnv specifically states what I want them to investigate. Should I wait until the 30 days is up for lvnv to respond before I hit up the cra again? I will post the letter send to lvnv shortly
  4. This letter was directed at the eq and tu. I sent a different letter to lvnv. No response from them yet.
  5. I recently disputed an LVNV trade line with EQ & TU. Of course, both came back "Verified". I sent the following letter to both companies certified with return receipt. Dear Consumer Relations, After receiving and reviewing the results of a recent dispute filed with your company, I am now requesting the method you used to verify certain items on the credit file dated XXXXX. FCRA (a)(6)(B)(iii) states that upon request you must provide me with a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limit
  6. I received an SBA disaster recovery loan in 2005 after hurricane Katrina for 20k. I set everything up to have them draft the $100 monthly payment from my checking account and everything was going fine. In early 2007 I changed banks with a new checking account. I did not think to call them with the new bank information. About 3 months later I began receiving demand letters from pioneer credit recovery telling me that I owed the entire balance plus 5k for penalties. They were unwilling to make any kind of monthly arrangement so I ignored them (I realize not it was probably a bad move). A fe
  7. Per the reporting from LVNV they opened the account in April of 2010. The default/charge off was at least a year before that with the OC
  8. btw, they are reporting that I dispute the information
  9. The default with the OC was around 2008. I believe I made a payment to LVNV in 2011. Nothing from them except the negative reporting
  10. I have this last item to remove from my report. I have a feeling that if they would respond, I could prove that the reporting period has been exceeded however, nothing from them directly to me. I disputed with all 3 cra's LVNV"verified" I sent a dv to LVNV with a copy of their verification they provided to the cra. I asked them to itemize the amount and show me all charges and credits on the account as well as what info they have to support their claim. 30 days have passed and as expected, no response. I have the certified letter as well as the signature card. If I send this info with a cop
  11. Good morning to all, I am currently working on repairing my credit with hopes of refinancing soon. I sent dispute letters to the 3 CRA's and these particular trade lines (2) came back "Verified" The dept of treasury is reporting 2 different balances with 2 different addresses. one shows as "Department of treasury" and the other shows "DPT Treasury" with 2 different addresses. I have been paying this through wage garnishment for the past 2 years as well as tax refund offset. They have not responded to validation requests. Can anyone tell me what my options are? The Garnishment is throu
  12. I didn't file any motions. I filed the an original answer, responses to their discovery, and my own discovery for them. When filing those documents I paid per page to the Clerk of Court. Midland and their attorneys filed in the wrong venue which is what motivated them to dismiss. Maybe the clerk just sends the bill to both parties? Should I contact Midland's attorney and send them the bill?
  13. A few months ago with the help of many members of this forum, I (we) were able to step on their neck until they dismissed with Prejudice in exchange for us not suing them for FDCPA violations. Today I received a bill in the mail from my Parish Clerk of Court for $300 (Court Costs). Am I liable for this? Shouldn't Midland and their attorneys have to pay this?
  14. Holding the discovery conference in my opinion will help your case to dismiss. It will show the courts that you have done all you could to get the information from them. If they agree to the conference, write your uestions down ahead of time and make sure you keep the upper hand. I believe they only have 15 days to respond to your discovery. hold their feet to the fire and I bet you will get a dismissal.
  15. Be sure to ask them in writing for a 10.1 discovery conference prior to filing a motion to compel. Rule 10.1 Motions To Compel Discovery (a) Before filing any motion to compel discovery, the moving party or attorney shall confer in person or by telephone with the opposing party or counsel for the purpose of amicably resolving the discovery dispute. The moving party or attorney shall attempt to arrange a suitable conference date with the opposing party or counsel and confirm the date by written notice sent at least five (5) days before the conference date, unless an earlier date is agre