violation of pay for delete agreements--time to get mean! what can i threaten?

[divinemadness]

this past may 2007 i paid all my chargeoffs in a pay for delete agreement. verbal and written. -- i have proof

nothing has been deleted from my reports.

what kind of legal stuff can i threaten in a mean good will letter to send??

i sent a nice good will letter stating about the agreement and what nto and they just said "sorry nothing we can do" basically. now im ready to get mean and nasty. im tired of this. i paid over 2k to all these creditors with these agreements. i call em up now and half the reps i spoke with and corresponded with dont even work there anymore!!!

so how can i get mean??????/

:evil:

:twisted:

[divinemadness]

how does this sound??

1ST FINANCIAL BANK

363 W ANCHOR DR

N SIOUX CITY, SD 57049

RE: ACCOUNT # XXXXXXXXXXXXXXXXXXXX

To Whom It May Concern,

I write this letter under much distress. I have attempted to contact your company numerous times regarding the above referenced account. In May 2007, I called to settle the account and did so, under written and verbally recorded agreement. That agreement was a “payment for deletion.” The representative that I spoke with assured me in both mailed and faxed correspondence, as well as on the phone, that if I paid and settled the account, 1st Financial Bank will delete the negative trade line from my credit reports completely. It is now 2008, and you have failed to comply with this agreement. I am giving your company one last chance to comply with our agreement before I take this a step further. I am aware of my rights through the FTC, FCRA, and other corresponding agencies. I am also knowledgeable about the laws of the state in which I reside, and have researched the collection laws in SD as well.

Please, I beg of you, comply with our agreement. I kept up my end of the deal and paid you, I have proof of this as well. Please delete this account and the trade line associated with it completely from my credit reports.

Please mail me proof that you have complied with our agreement and have deleted this from my credit reports.

Thanking you ahead of time,

XXXXXXXXX XXXXXXX

[TTigggers]

Add a time line for them to follow.

Let them know that you are serious.

And get rid of this:

"Please, I beg of you, comply with our agreement"

[whocares]

It's not serious enough....Tell them you will sue them...but file before you do...send them the paperwork...start with defaulting a contractual agreement and fraud...contact the BBB and the AG...do it all at the same time...

[CarolinaBlueEyes]

It's not serious enough....Tell them you will sue them...but file before you do...send them the paperwork...start with defaulting a contractual agreement and fraud...contact the BBB and the AG...do it all at the same time...

I disagree with this. I do agree with the "I beg you line" get rid of that, however the threaten to sue is not a good plan at this point because they could easily take the attitude FINE then sue.. , try to call and get a person in charge on the phone before you mail it, it could have been an oversight.. then go from there. its an old adage but you get more flys with honey.. and if its in writing.. call them and then go from there. There is no reason to use a hammer when a simple tap will do

[TTigggers]

It's not serious enough....Tell them you will sue them...but file before you do...send them the paperwork...start with defaulting a contractual agreement and fraud...contact the BBB and the AG...do it all at the same time...

Well Put

[stefdr]

Add a time line for them to follow.

Let them know that you are serious.

And get rid of this:

"Please, I beg of you, comply with our agreement"

Agreed, that line weakens the letter. The tone of your letter needs to be the same no nonsense tone a CA sends. It has to read this is what you are going to do, period. Send copies of the written correspondence that stated they would delete upon payment and they have not honored the agreement and you are prepared to take the legal steps to ensure their compliance.

[divinemadness]

thankyou, i wil call first and if that doesnt work ill get more serious in the letter, i will get rid of that beg of u line. LOL thank heavens i have this forum

[stefdr]

When I'm home on leave, I'll post some of the letters that Ive sent to CA's. They are all in a file on my PC at home. I don't play nice. I get worse they they do. In the initial call I've gotten from a CA, by the end of the phone call I have them screaming at me in frustration. There should be a place on the site where we can put recordings of some of these calls for all to enjoy.

[hiblues]

I suggest a nice ITS letter ( is there such a thing)

something to the effect--

dear general manager,

i hope this was just an oversight per our written agreement and

not a malicious intent to break our agreement.

My credit report is very important to me and I am fully prepared to

let a judge decide the outcome of this dispute.

(then give 2 days to respond)

I plan on filing paperwork on xxday the xxth if I don't hear from you by

tomorrow.

--

trust me on this point ok...

Collectors WILL NOT go to court to

defend themselves on a paid collection. PERIOD!

there goal is " this is an attempt to collect a debt"

going to court to defend themselves does NOT accomplish

their goal.

[myscoresawful]

this past may 2007 i paid all my chargeoffs in a pay for delete agreement. verbal and written. -- i have proof

nothing has been deleted from my reports.

what kind of legal stuff can i threaten in a mean good will letter to send??

i sent a nice good will letter stating about the agreement and what nto and they just said "sorry nothing we can do" basically. now im ready to get mean and nasty. im tired of this. i paid over 2k to all these creditors with these agreements. i call em up now and half the reps i spoke with and corresponded with dont even work there anymore!!!

so how can i get mean??????/

:evil:

:twisted:

I am going to assume here that you have a written agreement signed by someone of authority from the CA that specifically states they will remove all references of this entry from all three of your credit reports upon payment?

Exactly what does it say?

[divinemadness]

I am going to assume here that you have a written agreement signed by someone of authority from the CA that specifically states they will remove all references of this entry from all three of your credit reports upon payment?

Exactly what does it say?

yes i do

the letter was faxed from them, on there letterhead,

it says in few words :

"Upon satisfication of the forementioned debt, First Financial Bank will remove all tradelines associated with this account from your credit file."

its signed by the rep that sent it and his extension and name. and some other mumbo jumbo on it. but basically its exactly what i made them agree to on the phone - it has payment amount and account number...