Going to court against Arrow - long

Ok....let me calm down.

I called Arrow Financial and I told the first CSR the problem and she transferred me to the manager.

I tell the manager that they have failed by law to provide me with valid proof the debt is mine. He goes on to say in their eyes, it IS valid because that's the info they got from First Premier. I said it doesn't matter what you think, it matters what the law says.

He says, thats all they need. I said "You sent something bearing my name to an address I have never lived at"...then he asks if I've tried to find out who lives there". The address doesn't exist!!!

I said, "It doesn't matter what I'm doing with the police regarding fraud....it matter that you are continuing to report information on my credit report that you cannot validate". He says, "We did". Then he says, "We sent you five letters since last year and we haven't heard anything from you". I said if you were sending it to 055...that's why!

He still goes on to say, "We'll accept your offer but it will report as settled". No dice guys. Now what?

I have them on at least 2 violations - one being reporting debt they can't validate, two being they are not reporting this debt as under dispute on my credit reports.

What do I do now? I definately want to go to court over it....it's the principle now. Screw them...I'm not paying them anything! So pros...where do I start?

 

Re: PLEASE DONT MESS UP

I already have a paper trail. I was calling in regards to a letter they sent me Saturday.

In addition, I did not...and I repeat, NOT, say anything that I have not said in my letters. I was a broken record "You are to validate...that's your responsibility". I just stated the law. He asked was I threatening him with a lawsuit and I said no, I'm not threatening...and left it at that.

But thanks. Not to mention, even if he DID tape me, he can't use it because he didn't tell me he was.

 

Re: PLEASE DONT MESS UP

I don't think I have the right address. I mean, I've sent plenty of letters to them but they have a number of addresses. Yes, I've sent the demand letter and the estoppel letter, both CRRR (that I've received back).

Where do I go to fill out the paperwork, etc? I'm still so upset I don't know what to do! Who do they think they are? God?

 

Re: PLEASE DONT MESS UP

Hey....no hard feelings at all. I didn't take it as an insult or anything. You made a very valid point and I just wanted to let you know I have a little paper trail now. Again, no hard feelings at all!

I'm just so upset right now I could spit. P.S. If I was rude to you, I apologize!

 

Re: PLEASE DONT MESS UP

I was just reading where I have to bring small claims suit against the person in the place where they reside. How do I do that?

Where's Lizardking when you need him???

 

Re: Illinois State Attorney General

I'm in NC. They are actually an LLC...does that matter? They are however, licensed to do business in my state.

Here's a note...I didn't even check my AG to see if their license is still valid! (Note to self).

Thanks Breeze

 

Re: Illinois State Attorney General

Keller!!! I'm soooo glad to "see" you! And thank you soooo much for the info!