What do I do with this? Truth of the matter, it was my account that was included in a CH 13 2 years ago. All balances have been zeroed out and this is the status "included in bk of primary borrower." How can I use this to dispute on. I know that the creditor does not have the original application--they already told me that when I had the account deleted from my husband's reports.
Lisa, WAVINGGGGGGGG! I was thinking of you too, that you'd had another court hearing by now for the chase goobs. Is disputing as not mine too easy? or you've already done that? Actually, maybe better to dispute as the notation is misleading or something more specific so someone may really force a reinvestigation. You know the information isn't there, but you don't want the verified stamp in the meantime. What about disputing the commencement of delinquency date? None of the CRA's list it specifically anyway, that's always a free for all. Sassy
Sassy, Hi ~~~~~~~~~~~~~~~~~~ Waving back at ya! You gave that guy some great C13 advice yesterday. I printed that post. That went in the file with LIzardking's small claims lawsuit post and the TU system analysis post by breeze. Saar had a good one too about disputing with Experian. The Hall of Famers! Our 4th hearing is today at 10 on the Chase issue. We don't even have to go this time, thank God. It is a hearing to determine if there will be another hearing to review the evidentiary matter. Can you believe this? If I was paying our lawyer out of my pocket, I would be ready to shoot somebody at Chase. Wait a minute. I already want to shoot somebody at Chase. I guess I would be ready to shoot a bunch of them! In about 6 days this whole issue will be one year old. Can you believe that this nightmare has drug on for one year? One year later they still can not produce a payment history on our account. They can' t reconcile the escrow. They can't post a payment to save their lives, and they won't accept anything from me anymore including a phone call. That was a stupid move on their part--who will reconcile the escrow for them now? Who will tell them when to pay taxes? Who will tell them what the pay off is? Who will tell them what the payment is supposed to be? Who will they call when they need info on their lawsuit against me? (Yes, they really did that). Our attorney finally spoke to a live person at Chase. He said he really thought he was getting somewhere & had finally found a person who could take some action. He said "I thought we were reading off the same page finally. I asked her what it would take to straighten this mess out prior to our hearing." She said "Tell you client to make the payments for October, November, December, February, blah, blah, blah." He said "I just laughed and told her that I would see her Tuesday at 10." Then thing that makes me the absolute sickest about this is that I can't get away. I am stuck. I have 11 more payments on the 13 to go and interest rates are their lowest in 32 years. I could find someone to refinance this even with the 13 at market rates, but the Chase litigation stops everyone in their tracks. If I ever get to the point where we sue them punitively, loss of the ability to refinance at 6% will be at the top of my list of damages!
Lise, How did it go this morning, have you heard yet? I'd be a nervous, non-sleeping, hyper and hormonal wreck, 4th hearing and a year of grief!!!!! WHAT is their problem, are they still maintaining that you are just too much to deal with, the administrative requirements of BK payments? I just can't figure them out, nor their motivation. I am glad you won't have to be doing their work for them anymore, they should have been grateful, instead they just want to whine that they aren't smart enough to figure it out. PLEASE, like you are the only one that makes or has ever made C13 payments -- can you imagine what the accounts of those other people must look like? Maybe that's the problem, they can't figure it out and they know it will bite them in the tush, with you anyway. I am SO glad you have an attorney! How'd you get around having to pay him out of pocket, he is on contingency or a pre-paid plan? Nonetheless, I'm glad you have one, they'd be even nastier if you didn't have him on your side. I know you read at bayhouse too, so you've seen that foreclosures happen, even if you don't own a damn thing -- it makes me nuts! Do they think you owe payments for October through the present, is that the deal? I know you said you were current and had even overpaid. "I am stuck. I have 11 more payments on the 13 to go and interest rates are their lowest in 32 years. I could find someone to refinance this even with the 13 at market rates, but the Chase litigation stops everyone in their tracks." "If I ever get to the point where we sue them punitively, loss of the ability to refinance at 6% will be at the top of my list of damages!" I wonder if you could tell them you'd be happy to refinance and go away if they'd lose the negative pay history so that you could -- probably not, they have no common sense let alone an active brain cell. What about their attorney, is he just as bad? I know TILA and RESPA violations are defenses to foreclosures, but it's a fight and a court battle. I am feeling your pain on the payment postings, my Litton goobs won't, they just plain WON'T, post ontime, no matter what I do, I have even paid for CRRR (I think they must sit on those too), 2-day mail, and 10 bucks to pay online. I hate them, HATE them. The problem is the same, as for you, our credit reports are near 200 points higher than when we financed, cleaner and cleaner with each day, BUT with their damn derogatory history, I won't be able to refinance either! I SWEAR they are doing it on purpose, I SWEAR IT! and to you too. It's like, FINE you don't want to be our raped customer and our way, we'll make sure you are no one's customer. We have to find a way, there's GOT to be one. For you though, I'm wondering would C13 Trustee or Judge address as you are still making payments and not discharged, as an adversary proceeding? Hmmmm, maybe contempt of court once you are discharged. Maybe their reporting could be addressed in the discharge order itself! There MUST be something. I've decided for now I'm going to leave them alone and let them age a tad, I have a BIG whammy that I am saving for them but I can't use it until I'm closer to refinancing. I hope they are reading along too, not that they can comprehend the basics of english, nor figure out how to click a mouse and search anyway (DUHHHHHHHH, that's right scratch your heads chase and litton goobs!). It is so frustrating to work so hard on the credit reporting only to watch them give you bigger zingers than you started with in the first place! They are just plain malicious and I'm going to figure a way to prove it, I am indeed! OMG, I don't think I told you, your chase goobs and my litton goobs sleep together!!!!!!! Chase is listed as the trustee with litton as the servicer -- I nearly fell off my chair when I read that knowing the problems you have had! http://www.innercitypress.org/jpmchase.html Chase Manhattan also operates, standardlessly, as trustee for subprime loans. See, e.g., Merrill Lynch Mortgage Investors, Inc. $130,613,000 (Approximate) Mortgage Loan Asset-Backed Certificates Series 1999-NC1, analyzed (on PR Newswire) by Duff & Phelps on August 20, 1999: "The certificates are issued pursuant to a pooling and servicing agreement dated July 1, 1999, among Merrill Lynch Mortgage Investors, Inc., as depositor; Litton Loan Servicing LP, as servicer; and The Chase Manhattan Bank, as trustee. The certificates represent beneficial ownership interests in a pool of conventional, adjustable-rate, fully amortizing, first-lien subprime residential mortgage loans." Emphasis added. And thank you, btw, I'm honored to be filed with such great minds as LizardKing, Breeze and Saar! I'm so sorry Lise that you have to deal with this at all, I really am. I wish I knew how to help, for both of us. It's just not right, it is soooooooo not right. Ok, I'm clicking on submit now before I start typing the f-word and PBM will have to smack me around ;-). Sassy
I can be grateful for their ignorance on one point alone--the first time they posted a negative on any of my reports, I immediately disputed it. Of course Chase did not respond to the CRA's, so it was deleted on the first round from all bureaus except TU (what is that all about anyway?) I was completely pissed off about it at the time. My scores did not drop as I thought they would with the loss of my current mortgage, so I didn't fight it. Thank God I didn't! That was about 10 months ago now. If they had continued to report, their is no telling what they would be reporting now. TU shows a zero balance, zero payment, closed account that was "included in bk." Oh yea, it is still reporting on my husband's EQ as "contact member for status", zero bal, zero payment, closed. I have no idea what "contact member for status" means, do you? Litton is your mortgage company? I didn't know they did mortgages. I think Litton. I think ovens and microwaves. Have I lost my mind? My biggest ace in the hole is going to be their mismanagment of the escrow. When they f*** that up, and they will, that is my trump card.
lol Lise, I'll take a microwave ANYDAY! The don't do mortgages either, they buy the servicing -- just CA's with another name! I don't know what contact member for status is, but I think I like it, LOL. Someone will contact chase for the status and they won't be able to find you as a customer, he he he. How does it score do you know, or is that like having no status? We already know they can't get your escrow right without you so it's just a matter of time before you get to use that trump card. Did you find out anything from the hearing this morning? Sassy
