morrow Posted April 24, 2003 Report Share Posted April 24, 2003 I have a collection with a company thats in my state. (WA) I have sent them a DV letter twice, and 3 nutcase letters.The proof that they sent me was unsatisfactory. My checking account was garnished twice, so the debt is now paid in full.I disputed this collection with the CRAs and on TU it came back verified, yet the CA has yet to send me satifactory proof for validation and is still reporting it as unpaid and never informed the CRA that it was in dispute.Is this grounds for a law suit in small claims and if so what should I do next?Thanks Link to comment Share on other sites More sharing options...
fixmycredit Posted April 24, 2003 Report Share Posted April 24, 2003 Hey I didnt know you were suing someone too. I am after MBNA.I might go to small claims with them. It is one of the fewstubborn creditors that are remaining. Link to comment Share on other sites More sharing options...
morrow Posted April 24, 2003 Author Report Share Posted April 24, 2003 Well I havent official done anything yet, Im just want to make sure I have the gun loaded before I shoot it! Link to comment Share on other sites More sharing options...
fixmycredit Posted April 24, 2003 Report Share Posted April 24, 2003 I am so close to being done with this forever but I havea few stubborn ones left. Boat season is comming and I wantto be out on the water, not on the phone or in front of a computer. I have been at this for 6 months. I wishI found this board months ago. I really think I am taking MBNA to court, pathetic for a 6 year old account! Link to comment Share on other sites More sharing options...
morrow Posted April 24, 2003 Author Report Share Posted April 24, 2003 I wish I could say the same. We just bought a boat last summer, paid cash, and now we want to sell it. (hubby says I could buy new furniture if after we sell it )Im just wondering if I could sue and get these bastards! Link to comment Share on other sites More sharing options...
fixmycredit Posted April 24, 2003 Report Share Posted April 24, 2003 I think I have to sue MBNA. They are verifying with the credit bureaus, I checked. Hey Im giving that planet feedback you never know. Link to comment Share on other sites More sharing options...
bingo Posted April 24, 2003 Report Share Posted April 24, 2003 Morrow,You lost a lawsuit. That judgment is factual-it's a matter of public record. They don't have to prove anything to you. They should report it as satified but, validation is of no use now. Link to comment Share on other sites More sharing options...
morrow Posted April 24, 2003 Author Report Share Posted April 24, 2003 but isnt the fact that they are not reporting it to the CRA as in dispute, a reason to sue?And what about them reporting that it is unpaid when it isnt. Link to comment Share on other sites More sharing options...
bingo Posted April 24, 2003 Report Share Posted April 24, 2003 Morrow {Love the new pic btw!}As I recall from your first post a month or so ago, you didn't realize their was a judgment against you because it wasn't on your credit report.If that's still the case, I'd think twice about asking them to update to a paid or, satisfied judgment. Anything with the "J" word is a score killer-paid or unpaid. Just not sure how to advise on this. Hopefully someone else will have a better idea. Link to comment Share on other sites More sharing options...
morrow Posted April 25, 2003 Author Report Share Posted April 25, 2003 <blockquote>Originally posted by bingoMorrow {Love the new pic btw!}</blockquote>Why Thank you! So you think I should just shoot for complete deletion with the CRA? Dispute something else such as balance, account # stuff like that? Link to comment Share on other sites More sharing options...
bingo Posted April 25, 2003 Report Share Posted April 25, 2003 Boy Morrow, I just don't know what to suggest. My fear would be if that judgment still isn't on your reports doing something that would cause the CA to get placed on there. I mean, the CRA contacts the CA about the collection and they say what collection, we got a judgment? Hopefully someone else has a better idea and will dive in. Link to comment Share on other sites More sharing options...
morrow Posted April 25, 2003 Author Report Share Posted April 25, 2003 Thanks for your advice, its very much apprecitated Link to comment Share on other sites More sharing options...
md Posted April 25, 2003 Report Share Posted April 25, 2003 What is the name of the collection agency? You could make sure they are registered properly in the state of Washington. Any CA attempting to collect in Washington state must be registered to legally do so. You can probably go to the Washington state site and check on this (www.access.wa.gov).Or you could infiltrate them and call the CRAs to update the CA phone number and then when they verify they can actually be calling you and then you could say that the account doesn't exist. Okay, maybe try the first thing first. Link to comment Share on other sites More sharing options...
md Posted April 25, 2003 Report Share Posted April 25, 2003 This should take you there more quickly.Just select "Collection Agency" and search. If they are not in the computer database you may want to call to verify. Link to comment Share on other sites More sharing options...
morrow Posted April 25, 2003 Author Report Share Posted April 25, 2003 Yeah I already checked them out, thier legit!Thanks anyway though! Link to comment Share on other sites More sharing options...
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