Send them the refusal of arbitration letter from my website. If they REALLY smelled blood, they would have filed a REAL lawsuit.
So Whychat, Are your saying to send them the "Refusal of Arbitration Letter" NOW......????? I mean , they did day they would take this to arbitration... 1. Should I send Refusal of Arbitration letter to mbna? 2. Should I wait till they do actually charge it off and forward it to their attorney? 3.Send Sol letter after refusal of arb letter? They were calling rabidly today leaving messages on my voice mail..." you have until 9:00pm , I will be in my office" ... Have to say ,,, got a little shook ... Having run our own business( actually my dh's but I was a big part of if) we have seen it all... well maybe not all ... but we've been through the school of hard knocks and it truely is a " When the going gets tough, the tough get going" mindset *
I forgot to add.... For those vets on the board... What are the odds an OC/CA/AttorneyforCA is trolling this board.? Do you think a newbie like me is giving out to much information? *
Re: Re: Mbna sol experts crushing debt You send the refusal of arbitration letter NOW (CRRR) to whomever sent you the letter that they were threatening arbitration. Hold off on the SOL letter until you get a response to the refusal of arbitration letter,with a threat of lawsuit. You do NOT want to do a preemptive strike on this issue. If they are watching this forum, it makes no difference, you are doing things legally,and they can not penalize you for becoming informed. Of course they are "rabid" they have had a free ride with your $$ all these years. Make sure you DO NOT talk to them on the phone, other than to say "upon advice, I am requesting no further telephone comunication, all communication must be in writing"
Re: Re: Mbna sol experts crushing debt Sent out refusal letter on Monday cmrrr. My first ever. Will now wait for a reply. I'll keep ya posted. *
Re: Re: Mbna sol experts crushing debt *WEEKEND UPDATE* Today I recieved a letter from LTD Financial Services LP Dear Ronika28, "Your account with mbna america bank (orginal creditor) has been purchased by Advantage Assets II,Inc. This account has been assigned to ltd financial services, a collection agency. This is an attempt to collect a debt and any imformation obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will: obatin verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor." at the bottom of the letter is the preforated "return this portion with your payment" part that says Ref No. xxxxx name ronika28 client Advantage Assests II,INC. acct. xxxxxxx I'm assuming that mbna sold chargeoff to advantage assets II,inc. and Ltd financial is collecting. I see on Ed combs website LTD is listed as on of the bad ca's.(oxymoron) So I'm sending the sol letter refrencing 'dood' for active, useable acct. Is this the correct procedure? I've read about LTD but cannot find anything on Advantage Assets II, Inc. Any thoughts?? *
