Dear LKH, You said: "Gulf State terrorist hit man" I would love to hear the details of how you nailed Gulf State. These people are driving me crazy. I'm sure I'm not alone. Advise?
not LKH, & have no advice, but would like to know what type of probs. they are giving you. Also dealing with them, would like to know if I'm done. Thanks.
Butch, The mini version is this. I spoke to the compliance mgr. at Gulf State after sending several letters. Validation, estoppel and then a demand for removal as they never responded. I finally called as about 6 months after the 1st letter, they sent me a letter that in order to properly validate, they would need a copy of my drivers license, ss card and my signature 5 times. No law states I must provide this. So, I got a little bent and called to ask when are they going to close this acct and delete it or do I have to file a lawsuit. At first he tried to say I claimed fraud, which I never did. In my conversation with him, he told me that Gulf State buys charged off credit card accts by the thousands at a time. The agreement they have with the OC is that if needed, the OC will provide valid proof of debt. It is never provided when purchased. After several attempts, the OC in my case sent no proof. The compliance mgr. told me on the phone they were going to close the acct and delete from the cra's. He sent me a confirmation letter and a copy of the UDF. This was the last time. Previously, I had to file a complaint with my state Banking Dep't, who regulates ca's in Az. They sent my complaint with their own letter to Gulf State and although Gulf State responded with lies, they immediately deleted the acct. One Gulf State acct that had been deleted was reinserted under OSI., which is one of their many dba's. One quick phone call to Gulf State with the threat of a lawsuit was all it took to get it removed. All in all, I have had gulf state/osi removed 4 times. They couldn't win with me. For anyone dealing with them, I suggest a validation followed 31 days later with a demand for removal or else. As I stated above, they have no proof and in most cases, cannot get proof.
LKH, nice symopsis, but it just doesn't have the drama!!!! Search under the username box and use the term "LKH." You better learn to use the search feature, LOL, it's wonderful!! If you get an offer for a card, put the CC name into the search box and you can find out all about them before you ever start doing business with them.
Thanx guy's, Breeze you're right. I have been exploring with the search feature and it is a lot more comprehensive than I thought. Not a typical toy like you'd find on most sites, and fast too. But I knew if I plugged in LKH I'd get 2900 hits. LOL Don't worry, I hate GS enough to read every darn one of em if I have to. Do ya maybe have a date range.
Butch, If I remember correctly, I think the gulf schmucks' nonsense started in Nov. 2001 and went until March 2002.
LKH, "Good luck. When you get to that point, email me,and I'll get you the name and # for the compliance mgr." If you still have that I'd sure appreciate it. Although, after dealing with you, he probably is disinchanted, mean old fart. LOL
There goes your weekend, butch! hehe, kind of like a John Grisham novel - you won't be able to stop!!
