DH has a charge off from Verizon Wireless. Verizon is collecting! They verified through the CRA's, now what??? This is not his account!! He's never had a cell phone in his name, ever! Since they're the OC, they don't have to play by the FDCPA... Correct? Should I still send them a Val letter and see what happens?? Again, there's no way this is his account!! The date it was opened, according to his reports, is 01/96. They have the DOLA as 07/97, a few months shy of the SOL here.... They just started reporting this 03/03. We want to buy a house and need this removed!!! Help!!! Does anyone have anything but a PO Box for these jerks??? That's the only address they have listed on his reports. No point in sending a CRRR to a PO Box... TIA!!!
All the CRRR letters iI sent to po boxes were signed for, never had a problem. What is the PO address? I will help translate that to a real address. They will probably have you do a fraud affidavit if you tell them this was not opened by DH. Hopefully, the process will not be too painful.
Ok, dispute w/the oc and if they don't mark it in dispute with the CRA's, then I have 3 violations (1 for each CRA if not marked) and the leverage I need... Correct??? FCRA (section 623) I'm learning!! I think TIA!!!
Wow, another night owl.LOL! Or, are you on the east and just waking up? PO Box 7329 Bellevue, WA 98008 Thanks!!
http://www.nena.org/companyid/cid.asp AirTouch Communications 3350 161st Avenue S.E. PO Box 7329 Bellevue WA 98008-1329
Thanks! Wow, you are up early! I should be in bed, asleep. I'm in OR. Ok, I've been doing some reading... I think I'm covered by the Privacy Act, FCRA and the Fair Billing Act (maybe, the acct is listed as an open chargeoff). I just have to word my letter correctly. Does anyone have a letter to an OC involving these laws?? Does this sound about right? TIA!!
No point in sending a CRRR to a PO Box... Sucker ============== Why do you say this ?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????/
I Ass-u-me.... Sorry, I was wrong I stand corrected! More importantly, is this the correct strategy? TIA!!
1*DH has a charge off from Verizon Wireless. 2*they're the OC, they don't have to play by the FDCPA 3*They just started reporting this 03/03. We want to buy a house and need this removed!!! Help!!! Sucker ============= 1* for how much 2*Here is a little trick that most people don't think of. You can sue the OC for the disputed amount. 3*Have you applied for the loan yet? THE END ** *** ** LB 59
Re: Re: Dang!!! WTD??? 1. $81 We could pay it, but why? It's not his... 2. Didn't know this. Thanks. On what grounds? 3. Yes, we have been turned down by GMAC and are currently speaking w/my friends broker. He wants all our accounts (collections/total $2100) paid before he will move forward. Most of them are near SOL or older than two years. We're trying to get FHA insured...
Re: Re: Dang!!! WTD??? Thanks, George. It was very late when I posted that and I wasn't using all of my brain cells, obviously.LOL!
1. $81 We could pay it, but why? It's not his... 2. Didn't know this. Thanks. On what grounds? 3. Yes, we have been turned down by GMAC and are currently speaking w/my friends broker. Sucker ooooooooooooooooooooooooooooo 1*I would not pay it either. 2*On the grounds they owe you the money. I did this twice once with a water company and another time with a gas company. 3*looks like you got damages then. THE END ** *** ** LB 59
Re: Re: Dang!!! WTD??? Hey, I hope you're not under the impression that FCBA applies to Accts. that are still open. It applies to accts that are "Open End Accts", as opposed to "Installment Agreements", (which are "Closed End Accts."). On your CR you'll see I1 or R1. R = Revolving (Open End Acct.) I = Installment (Closed End Acct.) A cell phone would be an "Open End Acct." (So YES, FCBA applies) An auto loan would be a "Closed End Acct." Giggle.
Re: Re: Dang!!! WTD??? 1*R = Revolving (Open End Acct.) 2*I = Installment (Closed End Acct.) Butch, ================ Butch, This is not his account. He's never had a cell phone in his name, ever! Therefor what difference does type of account make anyway? Fact of the of the matter is on a non existent account it is neither. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ```````````````````````````````````````````````````` """""""""""""""''''''''''''''' ''''''''''''"""""""""" Hopping Around A kangaroo kept getting out of his enclosure at the zoo. Knowing that he could hop high, the zoo officials put up a ten-foot fence. He was out the next morning, just sauntering around the zoo. A twenty-foot fence was put up. Again he go out. When the fence was forty feet high, a camel in the next enclosure asked the kangaroo, "How high do you think they'll go?" The kangaroo said, "About a thousand feet, unless somebody locks the gate at night!" THE END ** *** ** LB 59
