I am anxious to hear back from MBNA about my demand for credit on the premium charges for an unauthorized Unemployed insurance charge.... I want to start focusing on the other derogatories (6 on each CRA) but am sort of not sure how to proceed. I need your help. I have some late fees attached to accounts which are currently being serviced with a CCCS (CCCS doing their job) but I would like to get the lates removed. Is it worth my effort given the situation? Only one account which is reporting a 30 and 60 day late is NOT included in the CCCS program, which is a car loan. The biggest concern which worries me still is the repo which happened only 8 months ago. I never received any certified letter through the mail from the OC nor do I remember getting an official notice that my car would be sold at x place at x time. I have a feeling I could prepare a case and ask for validation? What is likely to happen? I could seriously use some expert help on this one. PLEASE PLEASE ADVICE
bump - you might start familiarizing yourself with your state's repo laws...then you at least have a heads up.
