You offered that lightyears ago. He is definitely playing games. I think he was intentionally aggravating you so that you would pay and be rid of him, regardless of being ripped off.
This was my reply The telephone number you have for me is no longer my telephone number. My previous offer has expired. I will be filing my complaint with the bar tomorrow morning. I have also spoken to an attorney that specializes in the FCRA and seems very eager to take my case. He has explained to me all possible avenues. I am not willing to send you 135.00 because it "may be possible" to remove something that should have never been placed on my reports to begin with. I sent you an offer for payment for deletion and was told that the account would be marked as paid by your office manager. I do not have time to play games here. Because of this listing, I was told that I will have to pay a higher interest rate on a different mortgage resulting in several thousand dollars in damages. Unless you can send me proof that you will remove this listing with the ************ we have nothing more to communicate about. If you would like to fax that information please let me know via email before the end of the day. I am able to retrieve faxes at the following telephone number
OHNOSTUCK(sp), The only thing that I see wrong is a misspelled word or word usage. You said "Other then" It should be "Other than" Sorry to be so anal, but I am attending a liberal arts school, and they get me for these kinds of word usage mistakes. By the way, your letter sounds great! Good luck! Sirrowan
Thanks for pointing that out, I did send it already though. My writing skills are terrible. I am sure that I am not easy to follow. I hope he gets my point either way. Again, thanks for responding.
He is all the ball..lol I would be happy to tell the Collection Agency to remove the listing. You seem determined to file a complaint with the State Bar. I guess you have to do what you think is right. The work was performed almost three years ago. I wrote in March, 2000 and never received a response. I didn't hear from you again until November, 2001. I then sent you confirmation of the work done and copies of some (but not all) of the monthly bills. ****he is full of it***** I believe in treating people fairly and think I have been fair with you. I am sorry you disagree.
You could sue him and probably win, but how much you would win is the question. If this was me, I would tell him once he could show proof or give you a letter to the ca and cra's to remove the listing, it might be worth it to just pay it. I know what he's doing is B.S. but it would then be over with and you could have a clean report in a couple weeks. Just a thought.
I will fax you a copy of the letter I am sending to the ********* asking them to remove the entry. If you give me your current address, I will send you copies of my previous correspondence, including my November 2001 letter to your wife. I would still like to receive payment, but I am asking the Credit Bureau to remove the entry, regardless of what you decide. VICTORY
This really is the highlight of my credit repair jouney for my husband. If all goes as promised he will have ZERO NEGATIVES. If I never stumbled across this page I never ever would have even attemped this. THANK YOU SO VERY MUCH EVERYONE. I really mean that. Now back to MY reports
thanks love Well, it's true! What can someone say over the phone that they can't say in writing. Lies, deceit, etc. That's what! This has become my new mantra for life. If you are too scared to write it down, you shouldn't be saying it at all!!! This attorney folded like a deck of cards. Persistence pays!!!
The fax came in appx 10 minutes ago. It is addressed to the collection agency. It states the address of collection agency Dear Jennifer: I write to confirm our conversation today concering **** *******. It is my understanding that you have removed the entry of the debt to this firm from ***** ******'s credit report. Thank you for your prompt attention to this matter. Please contact me if you have any questions.
Re: Thinking out loud, lol Start with the validation, ask him to fax you the copy of the agreement that you were retaining his services for $xx an hour. Ask for copies of the ORIGINAL fax (it should have the number up top from WHO sent it to him). Ask him for a copy of the cover letter. I wouldn't pay him one red penny. Have some fun with it, he has no clue what you look like, meet him for coffee somewhere and send a friend to be you, but videotape from afar. No contract=no money. he's a lawyer he should know that. Tell him if the proof isn't faxed by Friday you call the bar on him.
Re: Thinking out loud, lol KHM- I think ya missed it. Go back and reread the posts! He caved!!!! I have a copy of the letter he sent to the collection agency requesting that they completely remove the collection!!!!!!! There is a transcript from the first letter to the last. What a great day! PS How long should I expect for this to take to hit my reports?
Re: Thinking out loud, lol Sorry Ohno I DID miss it!!!! Congrats!!!!!! He can put a 72 hour rush on it, but it seems he's leaving it in the CA's hands who will NOT rush it. Start jumping on the CA's @ss.
Re: Thinking out loud, lol Congratulations!! I would fax a copy to the CRA's and hard copy them. It took me anywhere from 48 hours to 10 days. Good job. Never let em see you sweat. Most lawyers don't know sh** when it comes to the FCRA/FDCPA. Charlie
Why so nice? Why are you being so nice? First, credit reports aside, I would have attacked him as a "professional" licenced attorney. I'd (1) file a complaint with the state bar assoc and demand that the loose his license or be reprimanded. (2) file a lawsuit for damages for his failure to act. The extra interest you have to pay is a good start for actual damages. Remember, he is a licensed professional. His conduct must reflect that. His does not. Second, I would then attack from his collection efforts and violations of the FDCPA. Nothing that has been done or reversed by him will excuse him from breaking the law. You can still sue him for all these things. Another thing. If he received and reviewed a 7 page document, where is his opinion on the matter? Why was that never communicated to you in person or in writing? And one more. Him sending this letter to a CA does not close this issue. It does not resolve the matter of the debt he claims you owe. It is only him ASKING the CA to change what they report. I'd demand a letter from him absolving you of any debt or liability. You have to remember. What is in it for the CA? The CA is going to be ticked off. He is going to have to pay the CA their commision now. No where does that letter tell the CA to stop collecting. Nor does it tell the CA that they are going to get paid by him for their work so far. The CA might decide to hold your credit hostage for payment. They often do that. It is high time to start taking names and kicking ass.
