Help! On 5/10/2003, I received a call from Midland Credit Mgmt. They requested that I settle for 50% of amt owed on a CHARGE-OFF Providian account. After heated discussion with the manager which claimed that: - I must provide proof that the balance is incorrect. - Midland does not delete TLs because they are a reputable company. LOL! - Will charge interest if I don't settle or pay off account because they brought the account. - PAID/COLLECTION notation will increase my score. I am in the process of buying a house, so out of fear, I gave them two postdated checks, 5/19/2003 and 6/4/2003, to get them off my backs. Currently, Midland TLs is not listed on any of the CRAs. Only the OC is listed which is currently under dispute. Should I neg. for deletion? I already gave them half the amt due. If request for deletion is denied, should I still pay them? Can I send them a validation letter although they are not listed on my CR? Right now, my gut reaction is to call them and let them know that I am stopping the last post-dated check unless they delete the TL at not extra cost. -- hreid3
My experience with Midland is that they fold like a cheap sweater. Is the charge-off out of SOL? They deleted an old tradeline after receiving an estoppel letter from me. It was almost too easy. My advice is go for it. What do you have to lose? A Midland peon yelling incoherent collection babble on the phone at you?
Need Advice to deal with Midland! The account went delinquent on 12/97. I live in New York State. New York STATUTE OF LIMITATIONS (IN YEARS) Open Acct.: 6 Written Contract: 6 Domestic Judgment: 20 (1 0 yr. renewable lien) Foreign Judgment: 20 (1 0 yr. renewable lien) Someone please explain why SOL can help me!
Need Advice to deal with Midland! The SOL will expire on 12/03 so you are still in it. In this case it doesn't help you.
Step 1 in dealing with the CA is to get them to V A L I D A T E! My guess is that it's a case of "better late than never" to ask for validation now
Sounds similar to to following post, maybe something in there that helps. http://consumers.creditnet.com/stra...s=&threadid=38688&highlight=post+dated+checks
Re: Need Advie to deal with Midland! Yes, I making them validate. My letter is a validation/estoppel hybrid. Since they lied to me, I will file a claim in small claims court if they don't respond within 30 days. There may not be a second Notice! I have a plan that will get them into trouble with FD-CPA if I can get the letter to them before 6/4/2003. Weird, I want to sue them. I am going to calm down because I too excited.
Re: Need Advie to deal with Midland! Midland already have my $200. Will this account reage? -- Horace
Re: Need Advie to deal with Midland! 1*I must provide proof that the balance is incorrect. 2*- Midland does not delete TLs because they are a reputable company. LOL! 3*PAID/COLLECTION notation will increase my score. 4*Should I neg. for deletion? 5*Can I send them a validation letter although they are not listed on my CR? hreid3 ================ 1*to3* All Lies 4*Sure. 5*Yep. THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
Re: Re: Need Advie to deal with Midland! Validation must reads Per Humblemarc http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=343640#post343640
Need Advice to deal with Midland! I sent a 30 days to validate or I will sue letter to midland and they received it on 5/30/2003. Providian, the OC, was taken off my report on 5/28/2003. Today 6/01/2003, I see a midland deroq TL on my EQ report for the first time. This thing lowered FICO by 30 points. What is midland up to? Are they in violation of FRCA because I do not see "CONSUMER DISPUTES-REINVESTIGATION IN PROCESS" notation by the TL. midland better be planning to delete the TL. If a midland employee is reading this board, I indeed plan to sue your company. -- hreid3
Need Advice to deal with Midland! My dh has a VERY fraudulent TL that MCM keeps reporting on his EQ. We need to sue the co. that sold a paid off account to household, who then supposedly sold it to MCM. I am too lazy I guess. We had our atty send MCM a letter which got it off the EQ for a couple weeks and it came back on, so we disputed it and it comes off then they put it back on every month because as EQ says, it's on their tape and "supposedly" EQ can't do anything to cloak it because it doesn't have a reported date. OF COURSE when I talked to MCM 2 years ago they tried to tell me that the burden of proof (or confession) was upon us. The thing that irks me is this ISN't something he owes or we'd have paid the stupid thing!! I'll be darned if I'm paying something AGAIn that's paid already! Has anyone got some firm advice about them? I am seeing the validation letter theory (which sounds like they were unimpressed with) and the estoppel letter which someone used, but if it's like it is now, the tl just keeps popping back up every month.
Re: Re: Need Advie to deal with Midland! What is midland up to? hreid3 ================== racking up violations. I C 2 here. THE END ** *** ** LB 59 """""""""```~~~```'""""""""" Years ago fairy tales all began with "Once upon a time...", now we know they all begin with, "If I am elected..
Re: Re: Need Advie to deal with Midland! What is midland up to? hreid3 ================== racking up violations. I C 2 here. THE END ** *** ** LB 59 """""""""```~~~```'""""""""" Years ago fairy tales all began with "Once upon a time...", now we know they all begin with, "If I am elected..
Re: Need Advice to deal with Midland! Correct me please but does EQ have to send a notice 5 days in advance before re-inserting the TL back on CR? BTW: mcm called me today. It was not noted on my account that they received my validation letter. I have the greencard. --hreid3
Re: Need Advice to deal with Midland! Are they in violation of FRCA because I do not see "CONSUMER DISPUTES-REINVESTIGATION IN PROCESS" notation by the TL. hreid3 | ================= The violation is they reported to tu after receiving your Vl. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Lawyer Fees ------------ A lawyer had successfully handled a difficult law case for a wealthy friend. Following the happy outcome of the case, the friend and client called on the lawyer, expressed his appreciation of his work and handed him a handsome Moroccan leather wallet. The lawyer looked at the wallet in astonishment and handed it back with a sharp reminder that a wallet could not possible compensate him for his services. "My fee for that work, " acidly snapped the attorney, "is five hundred dollars." The client opened the wallet, removed a one-thousand dollar bill, replaced it with a five-hundred dollar bill and handed it back to the lawyer with a smile. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
Re: Need Advice to deal with Midland! Correct me please but does EQ have to send a notice 5 days in advance before re-inserting the TL back on CR? BTW: mcm called me today. It was not noted on my account that they received my validation letter. I have the greencard. --hreid3 -------------------- This makes 4 violations so far. THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
