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Thank you in advance for anyone willing to help! (Also, apologizing in advance for any typos!) I commenced arbitration with Barclays about a month ago and finally got the email today that the process has started. A little bit about the story: Im in California. There was a charge for a significant amount. I paid half my bill in good faith so that my credit wouldn't show high utilization and because I didn't expect anything to go wrong. Ended up needing to dispute the charge and won. However, I was only rewarded for the amount that I didn't already pay. So left with around 20k that barclays didn't return. Then it starts getting weird... So, for months after the rewarded dispute Barclays was weirdly showing that I owed around $20k because of some technical glitch and was charging me interest (some of which I accidentally paid because of autopay and was still never returned to me), getting collection calls (unfortunately I never called to ask them to stop), and reported this incorrect information to my credit (even after a couple letters sent to the CRA's to validate the debt). After a couple months I ended up filing a CFPB claim and someone finally called me back. It took a while but they finally removed that I owed around 20k but that was it. The credit history was still left and they also weirdly left the interest that was accrued from not paying that balance and when trying to reach back out no one ever got back to me. So after a while I decided to just send a demand letter with a lawyer letter head and see where that leads. I was demanding around 20k (for the amount that wasn't awarded), for the balance to be rightfully reflected that I don't owe anything, credit history to be fixed, money in interest I paid to be returned, to be un-blacklisted from barclays (as this whole thing got all my cards closed), and listed in the demand that they called me for collections that were never rightfully owed, they didn't properly deliver my adverse action notice (language for closure was too vague), and falsely reported to the credit bureaus unowed amounts... Shortly after the demand letter, I noticed that they actually did make my balance $0 on my barclays account. I then got a call from a lawyer who asked if he could delete all the bad credit history could we settle. I said no possible way as I still wan't everything else on the demand letter. I told him if he doesn't intend to cooperate then I will pursue arbitration and touched on how fees for arbitration add up. He then said that barclays is not in the business of rolling over and settling if an arbitration is brought against them and that was basically the end of that. I then filed arbitration. So here we are, just wanted to ask for any advice at all as it seems my situation is much different the the other posters as its not debt I' am trying to settle rather money they owe me I am trying to get back. I just got the first letter from the pro se team basically asking if I plan to continue representing myself and acknowledging receipt of the demand for arbitration. Is this where I respond to the email requesting a 3 person arbitration and in person hearings?
Hi! I have been dealing with a lawsuit from Cavalry (from a credit card) for around a year. I have been following the legal process as "Pro Se". so far so good. On the beginning of September the Judge ordered "Denied the Motion for Summary Judgment for the Plaintiff", now we are going to trial in three weeks. As we speak I am trying to get ready for my defenses. The Lawyers from the prosecution have around three months of statements for the account in which are suing me. I do not recognize or remember about this account, but they have the credit card statements as part of the exhibitions. In the statements are showing payments (credits). Can somebody help me in how to approach the credit card statements and the credits that are showing in the statements with the Judge? also the lawyers submitted a motion for appearance by phone of a Paralegal from Cavalry, but the Judge have not answered it yet, in the case is granted can you please tell me how to handle that?. Just fyi... in the credits (in the credit card statements) is not showing my name neither is showing copy of checks. Not only that but they do not have copies of bank statements showing debits paying the CC . Thank you
Hi, this is my first time posting on here. I'm in need of advice. I have been activly fighting midland funding since I received a summons 09/11. The last activity was when I filed a "Request for Discovery and Documents" 10/11. (Which they did not suffciently respond...only sent the exact same information they had attached to the actual summons...a credit statement and a ltr of purchase from Chase to Midland with no act#s or names or anything. However, did not respond to the actual requests) Anyway, I now receiveded a "Notice of Lack of Prosecution" court motion since there has been not activity on the case. My first questions is: How do I respond to this? Second: I have moved 2800 miles away from the county the lawsuit is in and cannot finacially attend the hearing, what do I do about this? Will this negatively impact me? I have fought it up to this point and showed up or all hearings and don't want this to jepordize anything. Third: the last activity on the said cc was 01/09. I believe that this means the SOL is up. Please offer any help on replying...I cannot afford to hire and attorney to attend for me, but I cannot be at the hearing either. HELP!