Lets have some comic relief. I need it. LOL Well I just got a call from the legal department for a TL that was recently deleted. My complaint is that their 3 hard inq's are still on my report. When the atty. asked for Mr. Butch I told him I'd have to call him right back because I'm on the other line with the Secretary Of State. He quickly gave me his name & number. Also I recently faxed my complaint to this OC. I had about 3 full pages of text. I narrowed the columns to 3 inches across which made the 3 page complaint into a 17 page complaint and faxed away. So what are YOUR dirty tricks? ~~~
Butch, I had a disputed RMA account deleted from EQ, but they didn't delete the inquiries as I requested. I called EQ and told them that there were 4 inquiries that needed to be deleted and 48 hours later they were deleted. Charlie
oh, Kiyi....wow I can't stop laughing! I have tears in my eyes. you are the best. forget court! give me some ninjas!!
I advise (in some cases) folks who are being harrassed by a particularly nasty collection agency to put their toddler on the phone. Doc has offered to rent his out - he has a wonderful vocabulary and likes to practice phone skills.
I don't know why they insinuate that. I just a bunch of ninjas. They are dirty minded and turn it into a something lustful <rolls eyes>. Men.
Wait a minute. Weren't you the one who said you dispute naked? I believe you also said you were going to give a demonstration, hmmm? LOL
What about sending with the intent to sue letter, a complaint filled out in full (not filed yet) and then if they do call your bluff, just file in small claims? The idea is to give a BIG scare right at the beginning.
Per butch's request I am adding this to his "dirty tricks" I pulled my credit report a couple of months ago and noticed a new collection account from NCO that I was completely unaware of. I had gone to the emergency room about 8 months prior to pulling my credit report, and had made payment arrangements with the hospital for my bill. Unknown to me the emergency room doctors send out a seperate bill for thier services. I found this out after calling the Hospital to find out what the heck was going on (this was subsequent to my conversation with NCO). I had moved about three months after my emergency room visit and apparently the doctor's billing service was unable to get a bill to me - even though I left a forwarding address with the USPS - still don't understand that. I initially called NCO to find out what was going on and the following summarizes some of the conversation: I initially told the person answering the phone that I had paid the bill and had check copies to prove it, because I thought it was for the ambulance service. I told the guy you can't just put things on people's credit without notifying them and giving them an opportunity to dispute. He got very offensive and started talking over me, and putting me on hold. Everytime I would yell back at him, he would say; "well, I guess you want to go back on hold." After being put on hold 3 or 4 times, I told the idiot to just keep on yelling at me and putting me on hold. I told him he was just building my case as I was recording him. He freaked out, and told me I had no right to record without his consent... I said you apparantly don't know the laws of the state of Texas or you would know this is a one party consent state, and I have knowledge of the recording. I was cusing at him as well, and he told me I was in violation of the law for using profanity - I said look you moron the FDCPA governs you, not me. I can cuss all I want...I am simply exercising my right of free speech. I think it was the term F%cking moron that he took special exception to...lol. I don't know maybe I did violate an FCC law by using profanity - but who cares. That was when the supervisor got on the phone... They don't like tape recorders at all. Truth is it was a bluff on my part anyway - but I got a kick out how scared he got. After contacting the doctor's billing office, they sent me letter stating the tradeline was reported in error - I made payment arrangemetns, and the item was off my reports the next week. I never did get the invoice I requested - that was over a month ago and I am still waiting, but my primary objective was to get rid of the tradeline - and I was successful.
