Well...before I decided to call the National Recovery Center regarding my account, I sent them a letter via PFB. This was their response: So, I was thinking on moving to PLAN B and that would be to send them the nutcase letter. What do you think? This is my last attempt to get this resolved before I just let it go for a year or so. Keep in mind, that what they are reporting (22 times 30-days late, 2 times 60-days late) is totally FALSE! I have the financial records to prove it but it would take me a long wile to get it as I've moved sevaral times and don't have the paper bank statements anymore. For me to get that means that I would have to call BofA and have them pull the statements from a now charged off checking account (in collections for like $1200!). Thats another story...so you can see why I don't want to do that. So, what do you all think? Nutcase letter or what????
Um I would spend the time to get the records and send it to that clown just to show the payments were not late.
I already did that! Like almost 2 years ago I sent them 40+ page faxes, etc of bank statements but they basically ignored me. They insist that their records are right. I'm not going to sit here and say that there was never a late payment because there were...maybe 3 or 4 but not 22! It was only a 48 month loan! That would mean that every other month the payment was late! I cosigned for my ex and the loan started in 1995. He left in 1998 (Sept) and the loan was due to end in Feb 1999. So even if he was late those last months...it would only add up to 5 times late. I know when we were together we might of been late maybe 2 or 3 times MAX! I think that us paying by Western Union Quick collect had to do with them thinking that we were late or somthing. There were times where payments were made ON the due date. Maybe they have a rule like Citibank were payment has to be made by 1pm. But still....being a day late isn't THIRTY DAYS! That was my whole argument. They weren't trying to hear it. I don't have the time and energy to take them to court. It's not that crucial now. I just want to know if sending the nutcase letter (my last ditch effort for awhile) would work? Any other opinions???
Maybe you could write this person back, and tell them about the proof you have already sent them in the past? You didn't keep a copy of what you sent before?
That's the thing...I don't have it anymore. I've moved twice since them and I can't seem to find that stuff. :-( GEORGE...what is the $1000 demand letter? Where is that at?
It is just a letter that says I will take you to SMALL CLAIMS COURT and WIN and you will have to pay $1,000 plus the cost of the person you send to my COUNTY...so why not send me a check for $1,000 now and save the hassle... They will either send you a check for $1,000 because it will probably cost them $3,000 to send someone and pay you... Or they will take the lates off... Or they will do nothing...(if they do NOTHING...you will have to FILE W/SMALL CLAIMS COURT) EVERYTHING TO GAIN...NOTHING TO LOSE, EXCEPT SOME TIME AND POSTAGE...
Maybe you could just file a lawsuit anyway. Once they are served, they might realize how serious you are and decide it would be easier to delete the history.
That's the thing...I don't want to file because that means that I'll have to request the bank info from BofA on a CHARGED OFF ACCOUNT (thus waking a sleeping dog). BofA keeps sending this account to agency after agency and I seed them validation then C&D if they fail to comply. Fortunately none of the agencies have reported it on my credit. Only harm has been inquiries on my report(s).
YOU HAVE NO CHOICE THEN...you have to DISPUTE with the CRA'S... PAID/NEVER LATE AFTER 20 TIMES THEY MAY FIX IT...or just remove it TOTALLY...
How about this.... The bottom line is this: They can't report someone 30 days late if they are LESS THAN 30 days late, right? Maybe I'll repsond with the nutcase letter and add that 30 days late means 30 OR MORE DAYS LATE! Not 1 day, not 10 days, not 29 days...
Hi - sounds like you've had fun this morning LOL! I read the posts and responses - hell I would just agree and dispute with all the agencies that this is incorrect - paid on time. Chances are it'll fall off a couple - don't worry about stirring up BA - that's a small small longshot. I wasn't thrilled when I looked at MY CE and saw my score DROPPED 3 points. They show me as owing $6400 - which I don't. I don't owe anything! grrrrr - but its still nice to live in the Bay! AArrfff - dogman
That's what I was doing...but the next thing I knew....they started reporting that I had a $462 balance! Thus making things worse! I think maybe the same person at Ford was replying to their request and probably got tired and decided, "I'll fix her!" and replied back that I had an actualy balance to mess things up further. :-(
"Additionally, we have sent a manual credit bureau update to the credit agencies showing the account as paid as of March 2000. This account will remain on your credit bureau file for the at least the next seven years. The reporting starts once the account has been settled. I regret we cannot comply with your request to remove the account from your credit bureau file. " A little off topic, but isn't what Ford stated in their letter, incorrect? It states that the account was settled in March 2000, but shouldn't the clock be determined by the date of first delinquency and not the settlement date? Also, it states that the account will remain on your file for AT LEAST 7 years. Isn't this a no-no, too? I am grasping for ideas here, but maybe you could go after them in court not for lates, but misrepresenting the information (it is not accurate reporting if they keep reaging the date, is it?). Dani
Good point. I appreciate your grasping.... Maybe I might have something there....plus now that I think about it...the date that they provided was wrong! It should of been like 5/1999...not 2000! Maybe I better re-think this.
