PAID Charge off Help Please

Discussion in 'Credit Talk' started by mich32576, Feb 4, 2003.

  1. mich32576

    mich32576 Active Member

    Dear Friends.
    I need help desperately. After writing several letters Including nutcase/estopple to World Financial Network Bank I recieved a letter back from stating that they have no signed account application on file,
    and that the accounts have been reviewed no errors found, case closed etc.
    Also they stated that the account was charged off as of 9/7/98 & paid in full 9/29/98. My Experian credit report shows the account as charged off 10/28/98. I have gone as high on the customer service ladder as I can go.
    can someone please tell me what to do next.
    I have the not reporting the account in dispute violation, failure to respond in 30 days.
    thank You
     
  2. gargoyle

    gargoyle Well-Known Member

    not my area of expertise - I'm in the middle of one of these myself... but have you taken a look at the son of nutcase?
     
  3. uniondiva

    uniondiva Well-Known Member

    I would send them an Intent to sue, for violating the FCRA. I would give them seven business days to contact regarding the violation before filing lawsuit in small claims court.

    are you ready to go there yet?
     
  4. mich32576

    mich32576 Active Member

    Thank you both for your prompt responses.
    What is the procedure for filing a law suit in small claims court. Can you please explain
    Thanks
     
  5. jlynn

    jlynn Well-Known Member

    It varies from state to state...what state?
     
  6. mich32576

    mich32576 Active Member

    Ok is it the state of the OC, which is Colorado, or the state that I live, Florida.
    Thanks
     

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