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Proof of payment to CRA


wishfuldaze
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I am trying to repair my credit score. First, I want to get Ad Astra Recovery Services (collecting for a payday loan) off my credit report. I noticed end of Dec. they reported it on my CRA's sent them a DV request asking for payment history, contract, proof they have the debt, etc. They only sent me back a single piece of paper saying:

 

Loan amount: 247.71

 

Loan Fees: 0.00
Return Fees: 0.00
Current Balance: 379.09
Date of Loan: 2/4/2010
Date of Default: 4/28/2010

 

Then legal mumbo jumbo at the bottom about collecting the debt.

 

I have my past bank statements AND 5 separate "payment received notification" email's from the lender. Those 5 payments show I re-paid the lender just over 400.00. (For the last payment I initiated 150.00 to "pay in full" to get rid of the insanity that is a payday loan). 

 

1. The original loan amount was 200.00, they are reporting original loan amount was 247.71. Does that matter? I do not have the contract (it was done online) but my bank statement shows 200.00 was put into my account.

 

2. When I dispute this with the 3 CRA's do I send in my bank statements with all the transaction lines crossed out except for the line that shows the 200.00 going into my account and the 5 lines that show the payments I made to the lender OR do I just send copies as is?

 

3. Is it a good idea to send in those 5 payment confirmation emails with the original header to show they are not fake?

 

4. Should I send the CRA's a copy of the "debt validation letter".Ad Astra sent to me?

 

Thanks so much! I already got a CRA dispute letter from a "sticky" topic that works perfect!

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First of all, they did not validate the debt.  The requirements are pretty light, and they didn't even meet them. 

I have my past bank statements AND 5 separate "payment received notification" email's from the lender. Those 5 payments show I re-paid the lender just over 400.00. (For the last payment I initiated 150.00 to "pay in full" to get rid of the insanity that is a payday loan). 

So this is a payday loan?  

 

1. The original loan amount was 200.00, they are reporting original loan amount was 247.71. Does that matter? I do not have the contract (it was done online) but my bank statement shows 200.00 was put into my account.

I don't think that matters much. 

 

2. When I dispute this with the 3 CRA's do I send in my bank statements with all the transaction lines crossed out except for the line that shows the 200.00 going into my account and the 5 lines that show the payments I made to the lender OR do I just send copies as is?

What ever you think makes it clear that you paid.  

 

3. Is it a good idea to send in those 5 payment confirmation emails with the original header to show they are not fake?

Sure.

 

4. Should I send the CRA's a copy of the "debt validation letter".Ad Astra sent to me?

Won't make any difference. 

 

Not sure exactly what you are trying to accomplish with this?  Just clear up the listing?

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Not sure exactly what you are trying to accomplish with this?  Just clear up the listing?

 

 

I want it removed from my credit history. It is on all 3 of my credit reports that I owe 379.09 when it was paid off. I really did not know what to do when sending in my bank history. I did not know if people send in untouched copies, or if they go through and highlight the payments, or cross everything out and only leave the payments. 

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Wishful,

 

Having read your story here yesterday I came across this article TODAY on Yahoo.

It's about people stealing people's info from Payday Loan places and then making false claims to get paid.

 

Especially interesting is that many people claim they've already paid but they're still getting calls!

 

The article is on Yahoo and is called: Debt Collection Horror Stories and is HERE.

 

I'm thinking that info in the article may help you with the credit bureaus.

 

I'm excerpting the part about payday loans below:

 

Posing as a law firm: To scare consumers into paying, Goldman Schwartz also allegedly posed as a law firm or claimed to work with law enforcement authorities -- even charging unauthorized attorney's fees that it referred to as "juice."

 

One consumer, who asked to remain anonymous, filed a complaint against Goldman Schwartz claiming its collectors pretended to belong to a law firm one day, and the next day said they worked for local law enforcement. After calling her incessantly over a $300 payday loan debt -- which she said she already paid -- a collector even called her workplace and told her coworkers he was going to come arrest her and they would have to pick her out of a lineup.

 

 

Collecting debts owed to other companies: Along with all the harassment, the FTC has seen a new collection scheme pop up: scam artists are stealing customer information from payday loan websites and then disguising themselves as debt collectors and going after the loans customers take out, said Tom Pahl, an assistant director at the FTC.

 

In one case, a phony California-based debt collection outfit run by a man named Kirit Patel allegedly collected more than $5.2 million in debts that were owed to payday loan companies -- or weren't owed at all, according to the FTC. The defendant's attorney, Andrew Steinheimer, said Patel was duped into opening the company by someone else and was unaware of any wrongdoing.

 

The case was referred to the Justice Department, and a federal grand jury indicted Patel last year. If convicted, Patel will face up to 20 years in prison or a fine of $250,000 (or both).

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Thanks RockDaddy! Actually, a scam company was trying to do that EXACT THING that is in the report you linked. They called my friends, family, and even spoofed their number to look like they were calling from the Sheriff's office. I called the Sheriff and they never heard of the person who left the voicemail, and the number is only incoming, not outgoing. They called the company and told them to never call me again and that they are investigating them. They stopped for a year, and began again 2 weeks ago. 

 

It's scary these scam companies because they are not even real collection companies and they have my social, DOB, address, phone number, friends numbers, family member's numbers, and even went as far as to call my sister's boyfriend's mother (who I never met) to tell her they are searching for me to arrest on default loan that was paid in full. 

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