But not with me. Anyway this is an old struggle but not yet resolved. In the middle of my dispute with Pal, about the derog on my EQ report I luckily was approved for a home loan and just last month we closed on the home. Now I am back after this derog and I want it to go away with as little cost to me as possible. The good Lord smiled in such a way as: The disputed item was dropped from TU report on 7/10/03. The disputed item was / had been marked "cconsumer disputes" on EQ report for over 30 days . Countrywide pulled all 3 reports on 7/15/03 and said nothing about the Pal account (so I assume they could not see it). on the 18th the TL was supposed verified and back to original status on EQ report. I held my breath until around Aug, 8th when we closed. Countrywide never pulled report again (thankyou God)! The pesky little buger has got to go now. A little more background on what PAL did do when I disputed this derog. The first thing they did about a week after I recieved the green card back and disputed with TU and EQ, they went ahead and pulled a hard inq on my EXP file. I assume they did this wondering what my file looked like since they had recieved a request from EQ and TU to investigate and nothing from EXP.??? Next they sent me a CRRR and it said some BS about if I wanted to order original docs I would need to send them a copy of my DL and a blank sheet of paper with my signature on it (you beleive that one?). I of course did not respond to that one, and then before I could send estoppel letter I had to go for a home loan right away (we sold our home that had been on the market for 9mos). So I took a chance that we'd get approved and God smiled..... My question is should I first send a proceedure request to CSC and wait on an ITS to PAL? Or should I go ahead and send request to CSC and ITS to PAL at the same time ? or estoppel to PAL and ........... Thankyou in advance for your replies..
1*on the 18th the TL was supposed verified and back to original status on EQ report. 2*The first thing they did about a week after I recieved the green card back and disputed with TU and EQ, they went ahead and pulled a hard inq on my EXP file. 3*Next they sent me a CRRR and it said some BS about if I wanted to order original docs I would need to send them a copy of my DL and a blank sheet of paper with my signature on it (you believe that one?). 4**My question is should I first send a procedure request to CSC debtor_x ============= 1*CA violation one $1000 2*CA violation two $1000 3*Ask the CA to send you a copy of the FDCPA with it highlighted where it states you must do this. 4*CRA violation one $1000 for not notifying you of reinsertion - hold off on the CRA for the moment. THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""'''
Thanks LB, sorry i did not get back on till now been painting the house. Anyway sounds like I hae got a case then how would you proceed then ITS laying everything out to them or be more vauge to see if i can get a feel for how agreeable they might be? Thanks in advance for your replies... DX
Then how would you proceed then ITS laying everything out to them or be more vauge to see if I can get a feel for how agreeable they might be? debtor_x ========== ************************************* be more vague to see if I can get a feel for how agreeable they might be? THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""''' PS New Member Must Reads.--------------------------- http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=350770#post350770 http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=314910#post314910 http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=352826#post352826 Sample letters http://consumers.creditnet.com/straighttalk/board/index.php?s= WhyChats statute of limitations http://community-2.webtv.net/Y-chat/WhyChatsCredit/ http://community-2.webtv.net/Y-chat/WhyChatsCredit/ statute of limitations http://www.edebtnetwork.com/content/collection_laws.asp """"```--~~~~~~~~~--```'""'''
I'll have to disagree with LB here...I sent them an ITS for failure to validate with me but verifying with the CRA's without marking it in dispute. Their response to my ITS was validation, although not complete. I sent a second ITS, with a fully detailed outline of their wrongdoings and gave them 48 hours to answer. On the morning of day 2, I recieved a FedEx from Palisades attorney, agreeing to settle the dispute to keep from going to court, If you do file with them, I'm pretty confident they will fold.
