JTsdaddy Posted April 2, 2008 Report Share Posted April 2, 2008 I just got My validation from AFNI, its been 120 days since they got their letter. all this have is a copy of the final bill, which I swear was paid before I moved, because of the amount (stuck in head), but I no longer have the Receipt cause this was paid in Aug 1999. this was for a home phone, No application, ..My question Since I firmly believe this was paid and since its 2008, can they report this on CR. or is it past the SOL. Link to comment Share on other sites More sharing options...
TTigggers Posted April 2, 2008 Report Share Posted April 2, 2008 If you paid by check you could have the bank look it up.Then send them a copy of the canceled check.If they do report to the CRA's dispute it as too old to report. Link to comment Share on other sites More sharing options...
JTsdaddy Posted April 2, 2008 Author Report Share Posted April 2, 2008 If you paid by check you could have the bank look it up. the bank NO longer exists Then send them a copy of the canceled check.Dont have it, Its been over 7 years , and I dont keep that stuff forever If they do report to the CRA's dispute it as too old to report. Link to comment Share on other sites More sharing options...
TTigggers Posted April 2, 2008 Report Share Posted April 2, 2008 Was the bank bought by another?I had a bank that was sold 4 times and they still had records from over 7 years ago. Link to comment Share on other sites More sharing options...
hannah Posted April 2, 2008 Report Share Posted April 2, 2008 I just got My validation from AFNI, its been 120 days since they got their letter. all this have is a copy of the final bill, which I swear was paid before I moved, because of the amount (stuck in head), but I no longer have the Receipt cause this was paid in Aug 1999. this was for a home phone, No application, ..My question Since I firmly believe this was paid and since its 2008, can they report this on CR. or is it past the SOL.What does your credit report say? Is Verizon reporting? If not, why not call them and ask about your old account. Best way to find out. If it was paid in 1999, it is probably out of stat anyhow and way over the time limit of 7 years to report. Link to comment Share on other sites More sharing options...
TTigggers Posted April 2, 2008 Report Share Posted April 2, 2008 What does your credit report say? Is Verizon reporting? If not, why not call them and ask about your old account. Best way to find out. If it was paid in 1999, it is probably out of stat anyhow and way over the time limit of 7 years to report.Good Idea just remember SOL in Ohio is 15 years so while it is past the reporting period it is still within SOL so they can sue you for it. Link to comment Share on other sites More sharing options...
hannah Posted April 2, 2008 Report Share Posted April 2, 2008 Good Idea just remember SOL in Ohio is 15 years so while it is past the reporting period it is still within SOL so they can sue you for it.That's 15 years for a written contract. They have to prove it. AFNI having documentation on a 1999 telephone bill isn't likely and they would need to prove that the amount they are saying owed is in fact over and above the costs and charges that are normal as those charges are SOL after 2 years. That said, most phone charges fall under 47 USCS § 415 which states:§ 415. Limitations of actions(a) Recovery of charges by carrier. All actions at law by carriers for recovery of their lawful charges, or any part thereof, shall be begun, within two years from the time the cause of action accrues, and not after.( Recovery of damages. All complaints against carriers for the recovery of damages not based on overcharges shall be filed with the Commission within two years from the time the cause of action accrues, and not after, subject to subsection (d) of this section.© Recovery of overcharges. For recovery of overcharges action at law shall be begun or complaint filed with the Commission against carriers within two years from the time the cause of action accrues, and not after, subject to subsection (d) of this section, except that if claim for the overcharge has been presented in writing to the carrier within the two-year period of limitation said period shall be extended to include two years from the time notice in writing is given by the carrier to the claimant of disallowance of the claim, or any part or parts thereof, specified in the notice.(d) Extension. If on or before expiration of the period of limitation in subsection ( or © a carrier begins action under subsection (a) for recovery of lawful charges in respect of the same service, or, without beginning action, collects charges in respect of that service, said period of limitation shall be extended to include ninety days from the time such action is begun or such charges are collected by the carrier.(e) Accrual of cause of action for transmission of message. The cause of action in respect of the transmission of a message shall, for the purposes of this section, be deemed to accrue upon delivery or tender of delivery thereof by the carrier, and not after.(f) Enforcement petition. A petition for the enforcement of an order of the Commissioner for the payment of money shall be filed in the district court or the State court within one year from the date of the order, and not after.(g) "Overcharges" defined. The term "overcharges" as used in this section shall be deemed to mean charges for services in excess of those applicable thereto under the schedules of charges lawfully on file with the Commissioner. Link to comment Share on other sites More sharing options...
TTigggers Posted April 3, 2008 Report Share Posted April 3, 2008 Very Interesting Information. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted April 3, 2008 Report Share Posted April 3, 2008 Good Idea just remember SOL in Ohio is 15 years so while it is past the reporting period it is still within SOL so they can sue you for it.Every member of CIC that lives in Ohio needs to write their congressman and get that $%!* changed! Link to comment Share on other sites More sharing options...
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