HELP! Santander reaging my account?

[Sister Outsider]

Santander is reporting my date of last payment as 7/2014.

 

THIS IS WHEN IT WAS SOLD TO A JUNK DEBT BUYER.

 

My actual last payment to them was 4/2010. The JDB even says so on their paperwork.

 

 

Isn't this re-aging??

 

I'm closing on a home loan this month.

[Clydesmom]

Yes.  File a complaint with the CFPB.  Santander is evil and should be destroyed.

[willingtocope]

Note;  Its the "date of first delinquency" that's important.  If they change that, they're reaging.

[GDayMateAZ]

Santander (acquired this account from OC HSBC Auto Finance) did the same to me:

 

TU Credit File shows Last Payment made 01/30/2012.

 

I never paid them at all.

[willingtocope]

Again...last payment doesn't mean anything.  Its the "date of first delinquency" with the original creditor that determines how long something stays on your reports.  If it isn't shown, you can dispute with the CRAs.

[Rogue198]

Was the vehicle repo'd/voluntarily surrendered?  That could be the date of the auction sale & the proceeds were applied to the account & as such would indeed be the valid last paid date.

[GDayMateAZ]

Again...last payment doesn't mean anything.  Its the "date of first delinquency" with the original creditor that determines how long something stays on your reports.  If it isn't shown, you can dispute with the CRAs.

 

There is no payments history at all.

 

I have three trade lines (TU) related to the same Honda Civic 2006 (repoed in Nov 2008, out of SOL 4 years counting from the Date of Reposession, according to ARS 47-2725 and AZ Appeal Court's Baseline vs. Madison, 2012):

 

OC - HSBC Auto Finance with correct history of payments, 1st delinquncy, repo and charge-off (scheduled to be removed 08/2015);

 

Santander (acquired from HSBC) w/o any history of payments, no delinquency (scheduled to be removed 08/2015);

 

CA/Attorney - Accelerated Financial Solution (scheduled to be removed 09/2015).

They never contacted me.

[GDayMateAZ]

I opened a new thread for "three trade lines for one debt".

 

http://www.creditinfocenter.com/community/topic/325126-three-trade-lines-for-one-debt-is-this-correct/

Edited December 10, 2014 by GDayMateAZ

[Sister Outsider]

Yay! I just got an email from my consumer attorney: He looked over Santander's paperwork and is going to file a class action against them for the problems in my deficiency computation letter. He said the notice of the sale, etc. doesn't meet the statute, is confusing, and there are $500 statutory damages. Times that by how many Idaho consumers, and we've got ourselves a class action. I guess I'm going to be the first consumer.

 

One of his friends from a consumer attorney group is going to join with him in bringing the lawsuit up. He's already done many like it.

[BV80]

@Sister Outsider

 

I believe he will first file a request for class action certification.  The court will determine if the lawsuit meets the criteria for a class action. 

 

Sending good thoughts your way!