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Payoff?

Discussion in 'Credit Talk' started by oopsy74, Dec 1, 2003.

  1. Dec 1, 2003 #1
    oopsy74

    oopsy74 Member

    Ok, I will try to explain this situation with hopes for advice on what I should do. I am torn on whether to just pay it off (I'd like to qualify for a mortgage soon), or try to fight it off, or wait for it to fall off in 14 months.

    I have a CA for an old PacBell account (2/1998) for which I just received validation from the CA. They enclosed a copy of a computer printout of the old bill. I understand that technically this account is no longer collectible (beyond 4 year SOL). The principal is $187.35 and the late payment charges are $181.91 (from CA I'm assuming because this is not listed on the bill), totaling $369.26.

    PacBell (which is technically now called SBC not PacBell.) has no record of my account when I tried to find out about it using their automated system. Does this likely mean that they sold this account to the CA? If so, and I'd like to negotiate a settlement, how much should I offer CA?

    Also, the TL has an incorrect DOLA(6/2000), how should I go about getting this corrected? Do they do this intentionally to make it seem like it's within the SOL? Their own validation that they sent dates it 2/1998.

    thanks so much for all of your help!!!
     
  3. Mar 7, 2004 #2
    want800

    want800 Well-Known Member

    bump
     
  4. Mar 8, 2004 #3
    jlynn

    jlynn Well-Known Member

    Illegal reaging $1,000.00
    Certified Intent to Sue $4.42

    Settlement for balance and deletion of tradeline - priceless
     
  5. Mar 9, 2004 #4
    lbrown59

    lbrown59 Well-Known Member

    1*I just received validation from the CA. They enclosed a copy of a computer printout of the old bill.
    2*I understand that this account is no longer collectible (beyond 4 year SOL).
    3*PacBell has no record of my account
    Does this likely mean that they sold this account to the CA?
    4*f so, and I'd like to negotiate a settlement, how much should I offer CA?
    5*Also, the TL has an incorrect DOLA(6/2000)
    6*Do they do this intentionally to make it seem like it's within the SOL?
    7*Their own validation that they sent dates it 2/1998.
    oopsy74
    ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <>
    1* This isn't validation.
    2*Then you don't have to pay it.
    3*What account? No record No Account. So you still don't have to pay it.
    4*$O.00 it's an illegal bill.
    5*What DOLA. There is none on for an alleged bill that has no records!
    6*You got it.
    7*There is no such thing as Their own validation !

    ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <>
     

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