Re: Re: Serious Problem - Need advice I don't know if this helps, but most universities that I know of won't release your transcripts if you still owe them money. If school #1 released your transcript to school #2, it's kind of a backwards way of proving that you didn't owe school #1 any money when you left.
Re: Re: Re: Serious Problem - Need advice That is exactly my point too. All of the courses that I took there for the first 2 semesters were transferred (8 courses). The summer courses were still going on when I applied so they were not considered at that stage. They sent my transcripts to school #2 and everything was in order when I left. Because of this I am beginnng to think this may be related to the Fall 98 semester as they may have failed to update my record to show that I was no longer a student there, and want to claim tuition based on that "Pre-registration form", when I was in a different state attending a different school at that time.
1*I want it off the reports so I can proceed with my loan, but it looks like it is not going to be in time as my lease is expiring and now I will have to sign a new lease. 2*Unfortunately no. Just last year I threw out all the stuff I had from this school, thinking what is the use of these receipts now? And ya wife pressured me to do some "organizing" and had Pre sorted all the "Unimportant" papers for me, stupid me said get rid of the junk. I know i will not get this request again from her for the next decade. 3*Before starting my loan process I wanted to check that everything was okay on all 3 of my CR's, so I pulled all 3 reports in 1st week of Jan/04. Not a single negative item on any of them - scores above 750 on all 3. Then I go to the lender and he pulls the reports, EX and TU are clean but this account appears on EFX as I mentioned in "Account Disputed" status. "Date reported" is listed as 11/03, "Last Active" is reported as 01/03. OPntrouble ><- <>- ><- <> 1* RACKET See #3* 2*I learned years ago there are 2 things you never throw away. One is anything you think you might need and the other is anything you don't think you will ever need. This lesson cost me $5000.oo. 3*CAs have a deal with the CRAs where the CRAs automatically notify the CAs when people apply for a home loan. The CAs then send these people collection letters and extort money from them knowing folks will pay them to get the loan. Makes no difference if there is a collection or not or wither a debt is valid or not. A ca could collect from dozens of loan applicants for the same collection letter. Legalized extortion at it's best.
---------- UPDATE ----------- Okay Guys you are not going to believe this. In my efforts to find out more about this debt I kept calling the OC. Finally I found the right person with the authority and a kind heart who would listen to my problem. And Guess what he told me?? After his research he found that the entire debt that they are claiming is INVALID. He told me that when they upgraded their computer system last year, something got screwed up in the data transfer and because of that my paid account was now listed incorrectly in the new system and it was automatically sent to a CA. He said he has fixed the problem in the univ's system and he has also informed the collection agency about this and told them to remove my name from their list as my balance is $ 0 now. But he also said that he cannot provide me with any written documentation directly, he said that the CA will notify me about this and the documentation will come from them. he also provided me with their contact info if I want to call them first and demand it rightaway. So is this the time to be happy or should I wait until I have a letter from the CA informing me of the same? I still have not received a response from Equifax about my dispute on this account, it is already 12 days now. I knew I was right all along, I mean they wanted like 6K from me for their stupid mistake, bastards. Damn it, some people might have even caved in to the pressure. What do you guys think I should do now??
When a creditor tells me that they can't or won't confirm the status of my account in writing, I worry. If the matter should never have been referred to a CA in the first place, then why should you rely on a CA to fix the mess when they have the least incentive to do so? I'd send a confirming letter to the person you spoke with, copy the OC and the CRAs that report it.
I would sue them in small claims court for reporting innacurate data. They will settle for 500 bucks and you just got money for your new house to be inspected by a certified inspector.
Yes. Send a letter, CRRR, confirming the details of your call. When they won't provide a paper trail, you must create one. If the CA or OC later "forgets" that there was an error, this may be needed to remind them.
I am thinking that the OC the Univ is worried about giving something in writing because it will practically be damning evidence and virtually an admission of guilt that they messed up earlier. I mean if I were to go back and sue them and provide their own letter stating that this was an error and now it has been corrected, that is self-incriminating cold hard evidence and it would make my case for damages air tight. I think that is the reason they want it to come from the CA, so its their ass on the line and not the OC's. Besides I don't want to push this guy too hard, I mean I am glad that it has gotten this far. I can understand why he would not want to jeopardize his job by giving me more fodder. He can possibly argue that they never contacted me and so I should only deal with the CA for this matter.
I think he's been told what to do several times--send the school a letter, CRRR. Address it to the person you spoke with, and just say something like "I want to thank you for taking the time to determine that I don't owe you any money and that there was an error in your system" (Or something to that effect. Then just say that you want to make sure that the CA has indeed been notified that there is no money due, that this was a MISTAKE and should be canceled and all derogatory information removed from your credit report. You might ask them to send you confirmation that they have notified the CA because you have been really stressed out about this and are losing sleep over it. Or ask them to sign a copy and return it, or something like that. This way, they verify that they notified the CA, they don't directly say they're removing anything.
Re: Re: Serious Problem - Need advice I just finished drafting the letter. You will not believe how much similar it is to what you've mentioned here. Damn, we all think alike too. I am going to send out the letter tomorrow and am thinking about calling the CA to tell them to fax me something immediately if possible.
Re: Re: Serious Problem - Need advice I just sent out the CRRR letter to the person that I spoke with at the university and requested that he provide me documentation attesting to the fact that this issue is now resolved. However, how do I deal with the CA? Should I wait to hear from them? Or should I call them and ask what is going on with my account? I want to write them a badass, threatening letter that has lawsuit written all over it. Should I use the Nutcase letter in some modified form? I am thinking if I call they may think that they have an upper hand and may be they will try to prolong it or something. (BTW the OC had listed an amt of $ 5.2K as debt, but the CA listed it as 6K so I am sure the difference is the junk fees and the made up charges that they slap on. Can they claim that the orig debt is now gone but I need to pay their fees and make it a negotiating point to remove the negative items?) I know I am not paying them a dime, but can they do that? So how do I deal with the CA, Any suggestions?
send them a letter "memorializing" the conversation. Butch has an excellent tutorial here on why this is necessary. do a search for it to see how to write it up!
Re: Re: Serious Problem - Need advice what state are you in? what state is this kind person/univ. in? You could call back and just say you want to confirm everything he told you already, but this time TAPE the call (if you can, legally). heres a link to see if you can tape calls legally: http://www.awesomecredit.com/faq.htm#RecordPhone you never know how handy it could come to be. I dont think you can submit a taped call (even in one party states) in court, but you sure could write everything down word for word for the judge. also, another thing that came to mind...i know ive read somewhere here (couldnt find it tho) that the best attorneys for this sort of thing are bankruptcy attorneys, because they really know the laws inside and out. good luck.
Can they claim that the orig debt is now gone but I need to pay their fees and make it a negotiating point to remove the negative items?) OPntrouble ><- <>- ><- <> If it's gone it's gone. How can there be fees on a debt that don't exist? ><- <>- ><- <> ><- <>- ><- <> Con artists prey on stressed-out debtors http://immediamail.net/ct?id=22215&urlid=16303&lid=18&nlid=15&sid=1540&cid=617&oop=p ><- <>- ><- <>
I received a statement today from the university that shows my account balance as $ 0. But this thing is still showing up in equifax as under investigation, 5 more days before the 30 day limit is over. I am discussing the case with a lawyer, he says I have a strong case and he will take the case on a contingency basis - 33.3 % fee of any settlement or award amount.
