brokeinok Posted January 19, 2008 Report Share Posted January 19, 2008 Okay... I'm about to join Amerikaner in the quest to rid the world of annoying and lawbreaking CA's. I got "dunned" by email months ago. No contact info, no mini-miranda and my name and such plastered all over the text.... can you say VIOLATION? Funniest thing, it isn't even my account at all, it's a pay day loan. I mean, I know my actions screwed with my credit but come on, do I look stupid enough to take out a loan at 600% interest?? No additional correspondence but a sudden appearance of the account on two of the three CRA's, reported incorrectly as an installment loan with a history of late pays??? Fast forward to today.... Three rounds of unanswered DV's and continual reporting and verification of all my disputes... heck, they didn't even bother to add the "in dispute" notation on the reports.So, the 30 days for that last DV runs out on 1-21-08 so I'm preparing my suit papers. I will file when I get my tax refund money to use for the filing fees and process server.Pop open a beer and get out some popcorn cause my state has some tough laws about eCommerence, junk email and unauthorized communications that I plan to use on them. Not to mention our lovely consumer protection laws, violations of the FCRA and FDCPA. Link to comment Share on other sites More sharing options...
TTigggers Posted January 19, 2008 Report Share Posted January 19, 2008 Hey a new Thread to keep on top of.Just be nicer than Amerikaner and give us some popcorn and drinks along the way.Good luck. Try to have some fun with it. Link to comment Share on other sites More sharing options...
merkurfan Posted January 19, 2008 Report Share Posted January 19, 2008 Uhh, they don't get 30 days with a DV... they can validate 6 years from now and sue if SOL is 7.. However, since you did a timely DV to their un-provable E-mail....Sue um now. nail um to the wall. Look at my Citi thread, there is part of my complaint that deals with not marking the TL disputed and how to sue for it. Link to comment Share on other sites More sharing options...
brokeinok Posted January 19, 2008 Author Report Share Posted January 19, 2008 Thirty days after a DV to provide a response or cease collection. They did neither. Link to comment Share on other sites More sharing options...
merkurfan Posted January 19, 2008 Report Share Posted January 19, 2008 They have to cease collection the day they get your timely DV...They have been in violation for a while. Link to comment Share on other sites More sharing options...
brokeinok Posted January 19, 2008 Author Report Share Posted January 19, 2008 Oh yeah.... I haven't even started going through it all yet. This weekend is workup on that. The email alone is probably eight or ten. Link to comment Share on other sites More sharing options...
chelseagirl Posted January 19, 2008 Report Share Posted January 19, 2008 Go after them and sue them good!!! :justdrink: Link to comment Share on other sites More sharing options...
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