serenity06 Posted April 8, 2007 Report Share Posted April 8, 2007 I sent an email to gary brown and have not heard from him as of yet which probably means he ignored my email. The good thing about email is that i have the service read notify email service. I read above that you send it to the attornery general. Is it to the state AG where CA is located or where I am located? Also, I would like to know how do you write a response to the BBB on this company. If someone has a sample, can you either email me or post in the forum to help other newbies like myself? Link to comment Share on other sites More sharing options...
aachudneymiles Posted April 8, 2007 Report Share Posted April 8, 2007 write your own because you dont want to use form letters. so just make it simple.. by the way I have read notify aswell great service. I email to-but as far as bbb. Of course go to bbb.com under file a complaint enter company name or phone so forth. and just write I have emailed your company about this so called debt ### times, I see the email were read by *** at *** and open ###times but I havent rec'd a reply. I have and I am again requesting that you vadaite this debt and if you cant, take it off my credit. ---- just write something simple stay away from form letters. good luck Link to comment Share on other sites More sharing options...
serenity06 Posted April 8, 2007 Author Report Share Posted April 8, 2007 So I want to make sure I have this right. Do not write the AG but the BBB and I will get a better response right. Link to comment Share on other sites More sharing options...
someonesomewhere Posted April 8, 2007 Report Share Posted April 8, 2007 I sent an email to gary brown and have not heard from him as of yet which probably means he ignored my email.Why are you Emailing a CA? DVing?IMHO, no good can come of Emailing a CA. You have no proof they received let alone read your Email. Read notification can be very spotty. Within one Intranet is quite a bit different from sending Internet. Too easy for someone to claim, "Your honor, I did receive the Email, I saw the subject line, I tried to open it, but it was empty. Something must have happened with our Email system because I lost several other Emails that day." Everyone has had adverse experience with Email, and ANYONE is going to be sympathetic. Link to comment Share on other sites More sharing options...
serenity06 Posted April 8, 2007 Author Report Share Posted April 8, 2007 someonesomewhereI have done DVing over the internet email with NCO and got a good outcome so I thought that it was okay. I guess you learn from your mistakes. Anyway, I just did a complaint with BBB because AFNI is really giving me the runaround and I don't have time for their games. And if LVNV don't act right I am going to write BBB and AG on their aspirants. I am tired of taking these CA mess. IF you have any type of advice I will take it. I do not profess to be an experienced person but I am aspiring to learn from you guys. Link to comment Share on other sites More sharing options...
someonesomewhere Posted April 8, 2007 Report Share Posted April 8, 2007 BBB and AG are fine to contact, but the BBB is only going to have good results with an honorable creditor. Most CAs don't qualify. No morals, no scruples, and no reflection. Link to comment Share on other sites More sharing options...
serenity06 Posted April 8, 2007 Author Report Share Posted April 8, 2007 So if I file a complaint with the BBB towards LVNV and AFNI, you do not think i will have good results... Link to comment Share on other sites More sharing options...
someonesomewhere Posted April 8, 2007 Report Share Posted April 8, 2007 BBBIt can't hurt, and there's no cost. Not even a stamp. Just file an online complaint. However, LVNV already has an unsatisfactory rating with BBB. What's one more complaint going to matter in terms of solving the issues before you? Every little bit can help, but persist with DV using the DV flowchart.http://search.bbb.org/Results.aspx?n=LVNV&add=&c=&st=&z=AFNI has a better record with BBB, so you might have better success with them. Again, it can't hurt, it may help, but do continue to collect as many violations as possible. That's your only real leverage.http://search.bbb.org/Results.aspx?n=AFNI&add=&c=&st=&z=AGAssuming they act, it's likely the SOL will have expired and the TL will be off your CR. State AG offices generally have a LOT on their plate. Do file a complaint, but do collect violations. Link to comment Share on other sites More sharing options...
retmar Posted April 8, 2007 Report Share Posted April 8, 2007 Do realize that some BBB's do nothing when you complain about a CA. Yes, they will respond they received your complaint, but, don't expect miracles. Sometimes you get results, sometimes you don't. Yes, you will see the CA's status, as to how many complaints resolved, and how many not, etc.As to emailing specific persons within a corporation, it is worth a try, but, if no response withiin a reasonable time, say 10 days, send the same person a letter stating your complaint as well as mention the email with no response. This way, having sent the letter CMRR, there is no way they can ignore it. It is said that sending a FAX will suffice as a receipt is most always printed or held in memory. Myself, if I FAX, I go to a mail place and pay the $1.00 per page fee. You are given a receipt that clearly displays the FAX was sent.As to the AG, the best way is to go to the respective AG website, read how to file your complaint, then print out the forms and mail by CMRR. Most forms do not give you sufficient space to make your claim. What I do is simply write "see attached" where you are supposed to write your complaint and leave it at that. Link to comment Share on other sites More sharing options...
MadinKS Posted April 9, 2007 Report Share Posted April 9, 2007 As to the AG, the best way is to go to the respective AG websiteretmar-wouldn't it be best to file a complaint with both the CA's AG and yours? Or is that not necessary? Just wondering.serenity-I have a paid collection (that's not even mine!)that I've been disputing for quite some time. So, I shot an email to the CEO of Diversified Adjustment Services yesterday and got a response a couple hours later (on a Sat.) She has passed the info to Vice-President of Collections and it's being investigated. I don't know if it'll work but it was worth a shot. It has to work better than the so called investigation they do at the CRA's. Crossing my fingers but I have a hard copy of an ITS ready if the results aren't satisfactory though. Link to comment Share on other sites More sharing options...
VidaB Posted April 9, 2007 Report Share Posted April 9, 2007 someonesomewhereI have done DVing over the internet email with NCO and got a good outcome so I thought that it was okay. I guess you learn from your mistakes. Anyway, I just did a complaint with BBB because AFNI is really giving me the runaround and I don't have time for their games. And if LVNV don't act right I am going to write BBB and AG on their aspirants. I am tired of taking these CA mess. IF you have any type of advice I will take it. I do not profess to be an experienced person but I am aspiring to learn from you guys.Where did you find NCO's email. I spoke with them on the phone - (before I joined this site) and before I could even begin to question then, the told me the account was outdated and would be deleted. I am also wondering if I should get that in writing? Link to comment Share on other sites More sharing options...
MadinKS Posted April 9, 2007 Report Share Posted April 9, 2007 Most definitely get it writing. It's the only proof you'll have if the wolves come back for more. Link to comment Share on other sites More sharing options...
retmar Posted April 9, 2007 Report Share Posted April 9, 2007 Yes, you would file complaints with your AG and their AG, if different. Link to comment Share on other sites More sharing options...
serenity06 Posted April 10, 2007 Author Report Share Posted April 10, 2007 VidaB Where did you find NCO's email. I spoke with them on the phone - (before I joined this site) and before I could even begin to question then, the told me the account was outdated and would be deleted. I am also wondering if I should get that in writing?Email Lisa.Signore@ncogroup.comShe sent me a letter with the information. Link to comment Share on other sites More sharing options...
retmar Posted April 11, 2007 Report Share Posted April 11, 2007 Yes, you would want to have it in writing, if possible. You can accomplish this in one of two ways.1. Call the person you spoke to and ask politely if they would. Simply state for yours and their protection, you would appreciatre their doing so.2. Send a CMRR letter with the same request. Link to comment Share on other sites More sharing options...
MadinKS Posted April 13, 2007 Report Share Posted April 13, 2007 I have a paid collection (that's not even mine!)that I've been disputing for quite some time. So, I shot an email to the CEO of Diversified Adjustment Services yesterday and got a response a couple hours later (on a Sat.) She has passed the info to Vice-President of Collections and it's being investigated. I don't know if it'll work but it was worth a shot. It has to work better than the so called investigation they do at the CRA's. Crossing my fingers but I have a hard copy of an ITS ready if the results aren't satisfactory though.UPDATE: The Vice Pres of Div. Adj. just responded to my email. I guess the email thing works. I don't know if I can use this email as proof but hopefully I won't need it. Here is the verdict.Mr. MadinKSI have reviewed the account you referenced. It appears to me that this account was reported accurately. However, since the matter was resolved more than four years ago, we have decided to direct the credit reporting agencies to remove the item.Please contact me if you have any questions. Sincerely,Mike HoltzVice President of OperationsUPDATE TO THE UPDATE: Mr. MadinKS,I will send you a letter confirming that we have directed the reporting agencies to remove the item. Mike HoltzI see FICO's rising in my future!!! Link to comment Share on other sites More sharing options...
CantCU Posted April 13, 2007 Report Share Posted April 13, 2007 I see FICO's rising in my future!!!Congratulations! Link to comment Share on other sites More sharing options...
MadinKS Posted April 13, 2007 Report Share Posted April 13, 2007 Thanks. Now if he follows through I'll only have 2 more items to deal with. Link to comment Share on other sites More sharing options...
retmar Posted April 13, 2007 Report Share Posted April 13, 2007 Outstanding! Take a bow! Link to comment Share on other sites More sharing options...
MadinKS Posted April 13, 2007 Report Share Posted April 13, 2007 Thanks guys. I just bowed (hopefully I didn't just bend over though) Link to comment Share on other sites More sharing options...
MadinKS Posted April 16, 2007 Report Share Posted April 16, 2007 UPDATE: I received the hardcopy of the deletion today!! I'm faxing it off in a minute. Just thought I'd let you know the email thing does work. Link to comment Share on other sites More sharing options...
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