Okay, here's the deal: Got a Discover card in NM back in I think it was about 98. Anyhoo, joined the military in 2000. ANyhoo May of 2000 was my last payment. I came off of a deployment last November and called Discover to pay it off. They said I didnt owe them anything and I asked if they were sure cause I did. They said that I have a zero balance and never said anything about collections or a charge off. Never received anything in the mail... About a couple of weeks ago I keep getting these phone calls leaving just a first name and number. I dont call back unless I know who its from. So than they get a hold of my boyfriend (he was home when they called) and told them I owed a debt. So I called the cheesehead back. He tries telling me that I need to pay 650 for 6 months and that I need to pay 25% of the balance down for this month to keep it from getting "investigated". I told him I could not do it. I could only pay two hundred bucks. He also told me to default on my car loan for one month to pay him off and try to take out a loan or borrow money. I told him NO way...either he take my deal or leave it. He said it would be fine but I still needed to put 700 down and than I could pay 200 a month after getting off of the phone with his "client" Credigy. He works for Financial Recovery Services. So he gave me 48 hours. I went home did my research and told my supervisor about it the next day. So I called the guy back with my supervisor in the shop. The guy, Barry, wasn't giving me any information. Said his client was Discover (later found out it was Credigy) and that was all. I was getting frustrated and put my supervisor on the phone and he said he was my "financial Advisor" and needed to know of my situation. He got all sorts of information about the debt. Anyhoo, I still have no received anything in the mail. Yesterday 7/20 he calls me and I happen to be home. I told him to no longer contact me and I would call him once I got the bill (yeah, right...gonna send a actual validation letter) so he was tryint to talk over me but I wasn't listening and told him that I am telling you to quit calling me and by law you have to and once I receive something in the mail I will call you back, have a good day. And I hung up. So what are my rights here? Is it past the SOL? Also is telling me deceptive ways to get money against the law? I have done my research but still need help. Oh yeah I now live in San Diego, California and have since Oct of 2000. Please help...
Got a Discover card in NM back in I think it was about 98. Anyhoo, joined the military in 2000. ANyhoo May of 2000 was my last payment. I came off of a deployment last November and called Discover to pay it off. They said I didnt owe them anything and I asked if they were sure cause I did. They said that I have a zero balance and never said anything about collections or a charge off. Never received anything in the mail... About a couple of weeks ago I keep getting these phone calls leaving just a first name and number. I dont call back unless I know who its from. So than they get a hold of my boyfriend (he was home when they called) and told them I owed a debt. So I called the cheesehead back. He tries telling me that I need to pay 650 for 6 months and that I need to pay 25% of the balance down for this month to keep it from getting "investigated". I told him I could not do it. I could only pay two hundred bucks. He also told me to default on my car loan for one month to pay him off and try to take out a loan or borrow money. I told him NO way...either he take my deal or leave it. He said it would be fine but I still needed to put 700 down and than I could pay 200 a month after getting off of the phone with his "client" Credigy. He works for Financial Recovery Services. So he gave me 48 hours. I went home did my research and told my supervisor about it the next day. So I called the guy back with my supervisor in the shop. The guy, Barry, wasn't giving me any information. Said his client was Discover (later found out it was Credigy) and that was all. I was getting frustrated and put my supervisor on the phone and he said he was my "financial Advisor" and needed to know of my situation. He got all sorts of information about the debt. Anyhoo, I still have no received anything in the mail. Yesterday 7/20 he calls me and I happen to be home. I told him to no longer contact me and I would call him once I got the bill (yeah, right...gonna send a actual validation letter) so he was tryint to talk over me but I wasn't listening and told him that I am telling you to quit calling me and by law you have to and once I receive something in the mail I will call you back, have a good day. And I hung up. So what are my rights here? Is it past the SOL? Also is telling me deceptive ways to get money against the law? I have done my research but still need help. Oh yeah I now live in San Diego, California and have since Oct of 2000. Please help...
I have another question...I just got my initial notification from the credit agency I have been dealing with on the phone. Anyhoo, the law says unless they are a relative or spouse they can not give details about the debt...he told my fiance about the debt that it is own to discovery and for the amount. Is that against the law?
====================Is that against the law?===================== ~~~~~~~~~~~~~~~~~~~~~~~~~~` yes Can you prove it.?
I told him to no longer contact me and I would call him once I got the bill (yeah, right...gonna send a actual validation letter) so he was tryint to talk over me but I wasn't listening and told him that I am telling you to quit calling me and by law you have to ================= If you didn't put it in writing he don't have to do it. >
Hey thanks for your help so far. I believe my SOL has run out because I live in California. The last payment was 5-2000 and the sol is 4 years in Cali. However, I opened the account in NM and lived there for three years prior. Anyhoo, I have stayed off the phone with him. Last time he called I told him to quit calling me and I will contact him when I received a letter in the mail. Which I just got. However, I'm not going to call him. So here is my VL and would like any adivce given. July 23, 2004 [Personal Information Removed by moderator] Re: Acct # ** To Whom It May Concern: This letter is being sent to you in response to a notice sent to me on July 19th, 2004. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. This is NOT a request for â??verificationâ? or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: -What the money you say I owe is for; -Explain and show me how you calculated what you say I owe; -Provide me with copies of any papers that show I agreed to pay what you say I owe; -Provide the address and phone numbers of all previous collection agencies and original creditor for this account; -Provide me all account numbers from previous collections on this account and a complete payment history; -Provide a verification or copy of any judgment if applicable; -Provide me with a copy of the original signed credit card application; -Prove the Statute of Limitations has not expired on this account; -Show me that you are licensed to collect in my state; -Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureauâ??s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following: Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing, any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, [personal info removed by moderator] Uh...is my fiance enough proof to say he was told the infomation, being he was??
Please!!! edit your previous post and remove your name & address!!! You don't nned to let other folks see that information!
So I alerted the moderator and its still there...so I directed credinet through their about us, contact us option so hopefully they can fix it....what can I say...poo happends..so any suggestions on the letter listed above?
