jboss37 Posted January 16, 2008 Report Share Posted January 16, 2008 Hi there. I'm new to this and trying to find out how best to handle this situation. Basically, I had a card with Cap One back in 99. Their TL is on all 3 CR saying that the account is charged off with DOFD 11/2003. Credit limit was $200 and NCO is now saying I owe $1400 (they sent me a letter in late December; I received it the 20th). Made the mistake of speaking to them on the phone last night before I came upon this informative website. I live in FL, and the SOL is 4 yrs. Since Cap One is on my CR and not NCO, what should I do? Do I send DVs to both Cap One and NCO? Many thanks in advance for your assistance! Link to comment Share on other sites More sharing options...
jetscarbie Posted January 16, 2008 Report Share Posted January 16, 2008 DV NCO. Send it CMRRR. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted January 16, 2008 Report Share Posted January 16, 2008 Hi there. I'm new to this and trying to find out how best to handle this situation. Basically, I had a card with Cap One back in 99. Their TL is on all 3 CR saying that the account is charged off with DOFD 11/2003. Credit limit was $200 and NCO is now saying I owe $1400 (they sent me a letter in late December; I received it the 20th). Made the mistake of speaking to them on the phone last night before I came upon this informative website. I live in FL, and the SOL is 4 yrs. Since Cap One is on my CR and not NCO, what should I do? Do I send DVs to both Cap One and NCO? Many thanks in advance for your assistance!I would just DV NCO and dispute the accounts with the CRA's. Link to comment Share on other sites More sharing options...
jboss37 Posted January 16, 2008 Author Report Share Posted January 16, 2008 excellent. Thanks! I also saw on one of the other posts that others have contacted NCO via email to great success. Perhaps I'll email in addition to the cert. letter (since I'm close to the 30 period expiring). They've also had them remove the TL from their CRs. Can NCO get the TL taken off my report even though it's listed on the CR as Cap One? Link to comment Share on other sites More sharing options...
jboss37 Posted January 16, 2008 Author Report Share Posted January 16, 2008 additional note *The letter from NCO says that they have "been engaged by Cap One Bank". Does that mean that they have been assigned to collect the debt? Is the debt still with Cap One? Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted January 16, 2008 Report Share Posted January 16, 2008 it means cap still owns it but you DV NCO and if you are SURE its out of the SOL I would just send them a FOAD and be done with it Link to comment Share on other sites More sharing options...
jboss37 Posted January 17, 2008 Author Report Share Posted January 17, 2008 I made a mistake. My CA is Capital Management Services, not NCO. I imagine that doesn't make a difference though. Thanks! Link to comment Share on other sites More sharing options...
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