gumshoe Posted September 25, 2003 Report Share Posted September 25, 2003 I will be filing papers on AFNI on Oct 1 and I needed to know what are the exact froms that I need and how to find them ...thanks Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 B.u.m.p Link to comment Share on other sites More sharing options...
timbercreektech Posted September 25, 2003 Report Share Posted September 25, 2003 You need to be more specific. I am guessing that you want to sue them in a court of law. Depending on which court, there would be different forms, and they could vary from location to location. Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 Ok. Afni has a entry on my report in the amount of 264. I have sent a DV..no response. sent an estoppel no repsonse. Fed up with these jerks i have recently sent an ITS letter. I just want the damn( ) removed. If i am not mistaken i am supposed to file in small claims court but i am not aware of the proper forms. Here is a link maybe you could tell me the correct form to use. www.nccourts.org. I am in north carolina BTW. Link to comment Share on other sites More sharing options...
Swede Posted September 25, 2003 Report Share Posted September 25, 2003 Ok. Afni has a entry on my report in the amount of 264. I have sent a DV..no response. sent an estoppel no repsonse. Fed up with these jerks i have recently sent an ITS letter. I just want the damn( ) removed. If i am not mistaken i am supposed to file in small claims court but i am not aware of the proper forms. Here is a link maybe you could tell me the correct form to use. www.nccourts.org. I am in north carolina BTW.Did you dispute with the CRA's? Have you filed complaints with the AG/FTC/BBB/PFB? Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 I have filed complaints with all of these agencies. Link to comment Share on other sites More sharing options...
Swede Posted September 25, 2003 Report Share Posted September 25, 2003 I have filed complaints with all of these agencies.What about Part 1 of my questions...? Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 Yes Ma'am. Did that several times. This entry was deleted from EQ not EX. I have sent DV's to AFNI ,estoppel etc. the entire plan i have done. I even spoke with their reps and she told me they would send information in the mail and they never did. I even called back and ask a guy htis time could he fax it to me and he stated that they do not fax anything. Link to comment Share on other sites More sharing options...
cookiemnster Posted September 25, 2003 Report Share Posted September 25, 2003 Have you gotten collection letters, etc.?Not providing validation is not a violation of the FDCPA unless they continue collection activity before providing validation. The FTC is very clear that they can sit on your file and never send validation as long as they cease collection activities. Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 I have never received anything from them. I pulled my credit report and lo..there they were. I dispute them on EQ and it was removed. EX has been the most difficult one. Link to comment Share on other sites More sharing options...
cookiemnster Posted September 25, 2003 Report Share Posted September 25, 2003 I have never received anything from them. I pulled my credit report and lo..there they were. I dispute them on EQ and it was removed. EX has been the most difficult one.So if you sue them, what are the violations you're suing for? Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 FDCPA Section 809 (,Collection agencies if they have not validated your debt and they still continue to report to the credit bureaus Link to comment Share on other sites More sharing options...
cookiemnster Posted September 25, 2003 Report Share Posted September 25, 2003 FDCPA Section 809 (,Collection agencies if they have not validated your debt and they still continue to report to the credit bureausIMO that's pretty weak, if it's your only violation. You can send an ITS, with filled-out SC paperwork, but I don't think you'll get far in the courtroom if it gets to that point. Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 Have been MIA cookie? I have never seen you on this board b4..anway thanks for your help thus far. Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 Where can i find the SC paperwork? that was what i asked for to begin with. I have searched my state's website www.nccourts.com and didn't find what I thought would be sufficient. What would the papers look like. Just curious why wouldn't i get far. Link to comment Share on other sites More sharing options...
cookiemnster Posted September 25, 2003 Report Share Posted September 25, 2003 http://www.nccourts.org/Forms/Documents/346.pdfthat's the small claims form for NC.The reason I don't think you'll get very far is that most small claims judges aren't very well versed in the FCRA and FDCPA.I've seen small claims judges say that 4 months isn't enough time to update a tradeline as being in dispute (the only requirement that a CA has when you ask for validation) and dismiss the case. But hey, if you want to spend the filing fee and have some judge ask you WTF you're wasting his time for, go for it.Most people who win suits against CA's and CRA's have more (stronger)violations to add to this one and throw this one in for good measure.Just my opinion.And yes, I've been MIA - busy with creditboards and real life Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 BTW cookie..my secomd violation is FDCPASection 807(8) If you dispute a debt, the collection agency fails to report it disputed to the credit bureaus Link to comment Share on other sites More sharing options...
cookiemnster Posted September 25, 2003 Report Share Posted September 25, 2003 BTW cookie..my secomd violation is FDCPASection 807(8) If you dispute a debt, the collection agency fails to report it disputed to the credit bureausStill based on the same premise.I'm not trying to discourage you, really, I just don't want to see you lose.Bait them! Throw your line out there and get some more violations!AFNI will help you build your case, really Just give them a chance to do it. Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 I'll take you word for it. Many thanks......God bless Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 Alright. What do i need to do to bait them. 2nd what is the likely hood this company will show up or hire an attorney to represent them when the alleged debt owed is $264. Any advice. Link to comment Share on other sites More sharing options...
Swede Posted September 25, 2003 Report Share Posted September 25, 2003 Have been MIA cookie? I have never seen you on this board b4..There's a reason for that, she's like a bad cold that won't go away...She's been banned many times but manages to come back in and stir things up...her title speaks for itself Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 Swede..WTF? She has been banned I know it maybe a long story but what happened. Link to comment Share on other sites More sharing options...
cookiemnster Posted September 25, 2003 Report Share Posted September 25, 2003 Swede..WTF? She has been banned I know it maybe a long story but what happened.Not a long story at all.Swede doesn't like it when people start to get too knowledgable.She also doesn't like it when people who started the journey after her get higher CL's on the Corvette card. Link to comment Share on other sites More sharing options...
cookiemnster Posted September 25, 2003 Report Share Posted September 25, 2003 BTW, Swede...........Three muffins today?Not going to help that little sag Link to comment Share on other sites More sharing options...
gumshoe Posted September 25, 2003 Author Report Share Posted September 25, 2003 Too knowledgable?? Is this some sort of joke between you ladies?? Link to comment Share on other sites More sharing options...
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