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Found 12 results

  1. Hi everyone, I am new to the board and this is my first post. I am looking for some advice on how to proceed with two debts being collected on by Portfolio Recovery Associates. The first debt was originally owned by HSBC before they were bought by Capital One and the account balance is $1,900. The last payment was made sometime during 2013 and was later charged off. The other debt was originally owned by Comenity Bank, the last payment was also in 2013 before it was charged off and the balance is $1,400. I was not aware of what the debts were at first so I sent a debt validation letter to
  2. The complaint as brief as possible includes Breach of Contract, Mortgage Fraud, Tila, RESPA, FDCPA, All of the parties mentioned below in addition to the law firm for moving forward with a non-judicial foreclosure without a valid Waiver of Borrowers rights and FDCPA violations. I stopped a non-judicial foreclosure back in August. The next few months have been spent with documents flying back and forth. This is the most frustrating situation I have ever experienced. All the while being the most important one to be fighting. Finally in mid October I elected feder
  3. In 2013 I was sued by Cavalry from an HSBC card I had no idea about from 2008. Only reason I even found out was I got junk mail from an attorney saying we noticed you where being sued here is our info if you need help. I was crazy confused. The week before DH left for a year long deployment the day he left, that night my father died. Basket case I was and had never had any legal issues before. I did hire an attorney and the case was dismissed with prejudice also stating a release on all liability for account. OK well I was ok with this but not understanding it completely however I had other is
  4. Hey, Everyone! I have a case in which "evidence" provided by Plaintiff (Portfolio) includes an alleged Bill of Sale signed (possibly robo-signed) by David Nauman of HSBC BANK NEVADA, N.A. and an Affidavit of Sale signed (again, probably robo-signed) by an Ashley Oku of HSBC. I'd like to be able to show that neither are residents of California, but they haven't stated their locations in the documents. Initial internet searches seem to indicate that the former may be in Philadelphia, while the latter seems to be a ghost. Has anyone had a case with either of these individuals named and disc
  5. I had to share some exciting news from today's credit score update. When I started this process on May 6th, 2014, using TrueCredit's site, my TU report contained 4 delinquent accounts and 10 derogatory accounts. Specifically, I had 9 collection accounts, and then some other bad stuff, late stuff, child support in arrears, home foreclosure in 2011, etc, etc. One thing led to another, which led to another, and I simply threw my arms up tried to ignore everything for a couple of years. I felt "stable" enough to start chipping away at all of these things and I can't believe how promising I
  6. I am being sued by Midland (assignee of HSBC). It appears that HSBC credit card units were purchased in 2012 by Capital One. I am at the pre-trial conference phase. Do I raise the issue of account ownership now (standing)? Or am I better off seeing what Midland's lawyers have for documentation? I called HSBC and was automatically transferred to Cap 1 based on my home phone #. I finally talked to a rep that confirmed that Cap 1 now owned the account but it has subsequently been sold to still another servicer. I have requested that info in writing in case I need it. The question is - when sh
  7. Hi everyone, Just received a letter from Asset's Law firm with a court date of July 15th. Plaintiff's Motion to Strike Answer and for Summary Disposition. They want theirsubmitted paperwork to be Prima Facie evidence, stating the Defendant failed to state a valid defense and failed to file a counter affidavit to theirs. I had sent a Discovery request on the 25th of May requesting the Cardmember Agreement and proof of Initial transactions, along with documents showingdefault date, charge-off date, the Purchase Agreement and Bill of Sale. It's ironic that they filed their Motion on J
  8. Hello, Im being sued by Hunt and Henriques for about 2,600. The original company was HSBC, but the original debt was about 1,900. I have 30 days to report back to the court. Should I try to file for arbitration through JAMS or is there another approach I should go for? The account will be about 4 years old next year.
  9. I got a letter in the mail today from a law office stating "you may not have been served yet but public records show you have a lawsuit or garnishment from Cavalry LLc " and then they went on to offer me bankrupcy or chapter 7 help ect with a flier for their law office. So does this mean I am being sued? I also looked at my credit report on the card in question and it said a payment was made in 2010 and I never made one since I have no idea about this card. That would throw out the 6 year limitation. And my report also says it was charged off in 2011 so I am not sure what to think. My laws wou
  10. I am not a smart person in general, and when it comes to credit reports, well then, that stuff might as well be in a foreign language. I had a GM Mastercard with HSBC. After default and collection activities, the account was purchased by Cap One (like all hsbc accounts). Here is what my tradeline shows HSBC/Capital One/Speedy Muffler King. What the hell is speedy muffler king? This is the closest thing I could think of...
  11. A sheriff hand-delivered a civil summons today based on an alleged debt that originated with HSBC. The last payment made to HSBC was such that the SOL cannot be used as a defense. The docs state that I owe $1,775, plus interest at the "legal rate of 8% annum..." Edit: HSBC sold the alleged debt to PRA, while Redline Recovery is simply a debt collector. Obviously, HSBC owned the debt while Recovery was trying to secure a settlement. Therefore, the following paragraph is of no significance to my case. Here's a fact that may or may not apply (see item 16 below)--again, the debt originated wit
  12. I at one time on my CR's had two tradelines reporting the same account number. One was a HSBC credit card and the other was Portfolio Recovery CA. Both had the same account number but different dates. Portfolio was also reporting the account under a factoring company. I tried to dispute with the CR that they were reporting on the same account number and the they were reporting it as a factoring company which I read is a way to make the account look new even if it is not. After the CA Portfolio as verified I decided to take a chance and report them to BBB. I received a letter from Portfol