Anyone w/ knowledge of util CA stuf

Discussion in 'Credit Talk' started by NyteAngel, Jun 26, 2004.

  1. NyteAngel

    NyteAngel Well-Known Member

    I got "verification" from American Agencies with regard to an old phone bill (I am in California) - it is a copy of the last bill. Anyways, American Agencies business license is suspended and has a HORRIBLE rep with the BBB http://www.labbb.org/scripts/cgiip....fault.htm?hCompID=25000360&hAKAID=2&hAddrID=1

    Now, they "verified" with the CRA's before I got my "verification" but whatever.

    Also, it says Principal $24X.XX
    Late Pymt: $16X.XX
    Damages $ 0.00
    Total Due $4XX.XX

    WTF is up with that !? THEY added the extra 160+ bucks, they can't do that unless it says in the contract, correct?? Since Phone bills are an oral contract, SOL is 2 yrs in Calif. And no where in the closing bill says they're going to tack on added fees.

    And they aren't even friggin LICENSED as a business due to suspension!? pfft.

    Any ideas on how to handle this?
     
  2. lbrown59

    lbrown59 Well-Known Member

    1* it is a copy of the last bill.
    2*they "verified" with the CRA's before I got my "verification NyteAngel
    NyteAngel
    ====================
    1*Not validation
    2*You never got validation
    $1000 for verifying with out validating
    $1000 for not listing as disputed






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  3. NyteAngel

    NyteAngel Well-Known Member

    So, since utility bills such as a phone are "Oral" contracts - there's no contract as proof, they sent me an itemized last bill with all phone numbers called etc (basically, the entire bill) so what kind of proof could they POSSIBLY have?!

    Their license is suspended, so I am sure I can use that angle somewhere.

    Should I just draft the ITS for

    1. Verifying with CRA's without providing me proof of validation, thus continued collection activity.

    2. Being an unlicensed business has to provide SOME form of leverage, I would think?

    3. They did not list the account as in dispute until after they "Verified" after my direct dispute with experian. They have still not listed it in dispute with TU (it's not on EQ)

    4. Their envelope says "American Agencies" and address on the outside, I thought they were only supposed to have the address not CA name?
     
  4. lbrown59

    lbrown59 Well-Known Member

    4. Their envelope says "American Agencies" and address on the outside, I thought they were only supposed to have the address not CA name?
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    Bumping for an answer
     

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