bishopskr Posted February 8, 2005 Report Share Posted February 8, 2005 On November 8, 2004, I received a letter from Calavry Portfolio Services in Tulsa, OK. I wrote a DV letter to them but never received an answer. I ordered a credit a credit report from Experian and transUnion and found they had put this negative item on my credit report. They used the office in Phoneix, AZ to report to Experian and From Hawthorne, NY to report to Transunion. They reported to these agencies 9/2004. I never received a letter from AZ or NY per FDCPA. I have since sent several dispute to each office with no results. The latest was 2/2/2005 certified mail. I have also disputed this debt with theOC. I found out from Equifax that the New York office added this to my report on 2/2/2005. I have disputed with the three CRA's. The all came back verfied.I am in the process of suing them for several violations. I know I have a good case. My question is should I pursue this in State or Federal Court?Has anybody out there had any incounters with these under handed snakes? Link to comment Share on other sites More sharing options...
admin Posted February 8, 2005 Report Share Posted February 8, 2005 The current trend is federal court - but even small claims is legit. It's just with small claims yoiu run into idiot judges. Link to comment Share on other sites More sharing options...
candydandy Posted February 9, 2005 Report Share Posted February 9, 2005 I am dealing with Calvary right now too. They have NEVER replied to any of my DV requests. I sent them one at the end of Dec 2004, and another one in the middle of January 2005. No replies from either them, or from the lawyer in Birmingham who is sueing us on behalf of Calvary. Let me correct that part. The first DV I sent the lawyer, he basically replied that he didn't have to DV when requested by me, only if the court ordered him to. Second DV he has totally ignored. Calvary totally ignored both. I sent them (calvary) an ITS if they do not provide complete validation, and if they still attempt to take us to court. They have NOT listed my hubbys account on his CR as being in dispute. I'll be going back to the courthouse next week to see if we are scheduled to appear in Small Claims Court for the month of March. I went last week, but she said the schedule for March wouldn't be out that early. So far, from my experience Calvary has been total butt heads. They ignored all DV sent to them. I'm real curious to see whether they will still try to take us back to court in March. I DO know that the ONLY proof they have that this debt is ours is a copy of a monthly credit card statement from October 2003, which I'm almost positive is no where near enough evidence for Debt Validation. They don't have a copy of the original signed contract, a list of how they came to that amount, a letter showing they have the legal right to collect on this debt....nothing but that one piece of paper! Link to comment Share on other sites More sharing options...
bishopskr Posted February 10, 2005 Author Report Share Posted February 10, 2005 I have sent out the last DV I am going to send Calvary. They really pulled a fast one on me. Put a negative item on all three reports. Two before I received a notice. They are in deep dodo. I figure I will sue in Small Claims. Thats about all I can afford now. As of February 7, 2005, to file in Federal Court cost $250.00. How can I convence this small county Small Claims that it is alright to accept a FDCPA case? Has anyone else ran into this problem? Any feed back will help Link to comment Share on other sites More sharing options...
shafted Posted February 10, 2005 Report Share Posted February 10, 2005 I have sent out the last DV I am going to send Calvary. They really pulled a fast one on me. Put a negative item on all three reports. Two before I received a notice. They are in deep dodo. Hell yeah bro.. Im almost there, read my post on the main credit repair board (getting ready to sue a CA) http://www.debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=25430The Cavalry Portfolio bastards are real stupid prick assholes and thought its not my intention purposefully waste the time and resources of the federal court system, id love to get a check from Cavalry to Me, that I can hold, and take a picture of while smiling giving the camera the bird just so I can mail it back to them with their original dunning letter every single month for next year. Then cash it in, get a few thousand $1 bills, spread them all over the floor roll around in it take some more pictures, and write all over my body in red sharpe THANKS CAVALRY. Link to comment Share on other sites More sharing options...
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