Jump to content

Some advice please


mathis9394
 Share

Recommended Posts

Hello!

New to the site, so dropping in to say hi and to post a question. Received a collection letter in the mail last week stating that we have a bounced check in Florida. This comes as a surprise since yes the check bounced but the funds were withdrawn within the week. Now its 2 years later, the account has since been closed and we have never been contacted by any one. We have moved from in the past two years and are currently living in Wisconsin. My question is do I dispute this debt? My husband is concerned because we have no record of it being paid. But I believe contacting the bank and requesting old statements will help. We are trying to straighten his credit out to buy a house and this would put a further dent into it. Input is most welcome and appreciated! Thank you so much!

:)

Link to comment
Share on other sites

Hello!

New to the site, so dropping in to say hi and to post a question. Received a collection letter in the mail last week stating that we have a bounced check in Florida. This comes as a surprise since yes the check bounced but the funds were withdrawn within the week. Now its 2 years later, the account has since been closed and we have never been contacted by any one. We have moved from in the past two years and are currently living in Wisconsin. My question is do I dispute this debt? My husband is concerned because we have no record of it being paid. But I believe contacting the bank and requesting old statements will help. We are trying to straighten his credit out to buy a house and this would put a further dent into it. Input is most welcome and appreciated! Thank you so much!

:)

So the check initially bounced and then was run thru again and cleared? Not sure what they're coming after you for then. NSF charges? Is it being reported on you CR's from the big 3 or Chexsystems? Depending on what bank, statements for the last 18 months or so should be available on-line and you should be able to request the last 7 years from the bank. Who is the CA that sent the dunning notice and is the OC the bank or a merchant?

Link to comment
Share on other sites

If I was you I would do just what you list. Contact the bank and request the statement showing that the check paid and send the copy back along with the dunning letter. Make copies of everything and send it CMMR. You could DV and go through all that but if you are trying to obtain a mortgage, it's up to you, but I would just try to get everything done as quickly as possible. Are they saying you never paid at all or are they after NSF charges or what?

If they only want NSF charges maybe you should just pay them get it done with and get your mortgage loan funded.....

Link to comment
Share on other sites

I wouldn't think that if the check was redeposited, they could collect anything. In the two states I've lived in, Florida and North Carolina, the person or company in receipt of the check has two choices when it is returned: redeposit it or hold it and demand restitution for the check and fees. I am quite certain there is no combination of the two.

Did they include a copy of the check with their request? Did they have it hold today's newspaper in the picture to prove they are still in posession of the check? LOL....just kidding, or am I?

Link to comment
Share on other sites

The CA is Hall and Associates and they say they are a firm representing Mirand Response Systems Inc and they are willing to settle for 225. It's from a check that was returned unpaid, that all the letter states no date or any information besides what they will settle for. It just blows my mind that this is over 2 years old and we have never received anything from anyone. Honestly, I have a very funny feeling about this. I thank you though for your responses and will keep you updated!

Link to comment
Share on other sites

The CA is Hall and Associates and they say they are a firm representing Mirand Response Systems Inc and they are willing to settle for 225. It's from a check that was returned unpaid, that all the letter states no date or any information besides what they will settle for. It just blows my mind that this is over 2 years old and we have never received anything from anyone. Honestly, I have a very funny feeling about this. I thank you though for your responses and will keep you updated!

Hall or Hull & Associates? If Hull in TX tehn read this link:

http://www.budhibbs.com/debtcollectorpages/hull_and_associates_pc.htm

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.