Hey, hows it going guys. Has anyone had this situation before: 2 credit cards w/same OC. Both sent to collections. I settled w/CA for 2 EFT transfers in FEB. OC posts 1 account paid /current/ was past due and the other paid in settlement/ current/was past due in FEB. In May they post the first account # in a third tradeline as a charge-off. Disputed through CRA Creditexpert(Experian) came back verified. Called OC. OC said CA told them EFT's bounced. Bank says they did not. CA says did not. faxed info to OC, still gave me S***. OC sent me a letter stating they got my dispute, but needed letter from bank. I sent a nasty letter with all info, including a nasty from Bank President/CEO(bank HQ is in hometown) CMRRR. I cc'd experian and CA. I want all 3 tradelines removed and as much money as I can get from them. I have intent to sue in claims court, as well as file complaint w/FTC, BBB, etc... I have a prepaid legal service and I will ask him to send a letter to them informing them I mean business. I am not sure he is knowledged in credit laws, Is there anyone who has been in the same jam, and any sample letters I can look at? Should I actually hire a real lawyer, versed in credit/consumer laws? I want to put it to these bozos. Thanks
Hey guys, If I send a 48 hour intent to sue fax, and all I want is all 3 negative tradelines removed, do I request that all 3 be removed in the fax? Or am I supposed to wait until they contact me to settle before I lay all 3 on them? I really am only disputing one tradeline, but I want all 3 to be removed and I will be happy. Thanks
Think of the CA is a rock. You talk to the rock it does not move. You throw an intent to sue letter on the rock and still no movement or response. What do you do- get a jackhammer. I have yet to have a single company get back to me after an intent to sue letter. Now comes payback.
So just start with a suit! Why take all the prior steps when all you're doing is spinning your wheels?
Because you are in a much better position if you have exhausted all other avenues before going before a judge.
I plan to sue as I am sure, at this point, it is the only way I can get my desired result. I will ask an attorney for advice before I file. And I will read all I can here at creditnet. Thanks. Will keep you guys posted on my progress. Thanks
I due plan to sue in the near future as I am sure, at this point, it is the only way I can get the desired result. I will ask an attorney for advice before I file. And I will read all I can here at creditnet. Thanks. Will keep you guys posted on my progress. Thanks
=========== Don't look like that's to hard to do considering their bullheadedness and stupidity. But the gripe I have with that is the waist of time and excessive effort only to arrive at the same destination either way? Don't make much sense to me. How about you?
