CREDIT FINANCIAL SERVICE

[scott]

CREDIT FINANCIAL SERVICE

 

Address:

100 W MORGAN ST

DURHAM, NC 27701 Account Number:

xxxxxxxxxxxxxxx Original Creditor:

UNION EMERG PHYSICIAN

 

 

 

Status:

Collection account. $210 past due as of Jun 2005.

 

 

 

Date Opened:

10/2003

Type:

Installment

Credit Limit:

$210

 

Date of Status:

12/2003 Terms:

1 Months High Balance:

NA

 

Reported Since:

12/2003 Monthly Payment:

$0 Recent Balance:

$210

 

Last Reported Date:

06/2005 Responsibility:

Individual Recent Payment:

$0

 

 

 

Account History:

Collection as of Jun 2005, Dec 2003

whats wrong with this acct ????????????

[breeze]

Can you pay it? There is a way to get it off if you can. It's not huge or anything.

 

All kinds of things you can pick at, but if you can pay it and get it off, why not?

[scott]

good idea imma wait on second dv then send in pfd......if that dont go guess ill be going to court it still kills ur scores right showing on report even as paid..??

[breeze]

Look at Why Chat's HIPAA letter. You pay the OC, then ask to delete under HIPAA. You can also search - some people spell it HIPPA (like a female hippo). It a nice little technique, if you can afford to pay it all at once.

[breeze]

Let me add - I have a thing about paying doctors - they perform vital services, they go to school for years and years, and pay for it, and usually go way into debt to set up a practice. We have a ton of med school students on here now, working on their student loans and trying to get the money to set up practice.

 

I know after I bk'd medical debt I went back and paid the doctors who treated me when they knew I couldn't pay. Many will. They gave me samples so I wouldn'thave to buy prescriptions, figured out ways to get tests done without the labs coming after me. Not all, but a lot of them are still idealists.

 

The doc that did my Mom's pacemaker surgery got $25 from medicare!!!! Can you imagine?? Go to school for years and years and get paid like a pieceworker in a factory? Unbelievable. And basketball players make millions. sheesh!

[foshizzle]

I'm confused...is this still with the OC, or with a CA?

 

Also, you didn't say, but are you confident that you actually owe this and it's not a mistake/scam/someone dropped the ball? I ask, b/c I notice that the services were rendered in '03 but the collection is very fresh. Did they re-age this?

[scott]

dates changed after i disputed and this was for my son i didnt even take him someone else did ..i didnt sign for this so i dont think they should have put it on my report they just used my ins card ....

[dumbandnice]

I dv them 4 times and no answer so I went by the bbb way and got it deleted that way.They are a hard nut to crack.

[scott]

did u cmmrr on any of them???

[scott]

breeze is it too late to do this since i allready dv the ca? hippo thingy

[scott]

update ca agreed to pfd i told them when i got pfd letter in mail i would send money ...this will leave me with only one paid collection for an old power bill

[wet9500]

I've got these asswipes on my report twice and both as a paid collection. Everytime I dispute it comes back verified any ideas on how to get them off would be appreciated. I owned up to the debt and paid them both but now they are haunting me on a morgatage.

 

William

[scott]

Credit Financial Services, Inc.

100 W Morgan St

 

Durham, NC 27702

Telephone: (919) 683-2412

 

 

 

The BBB reports on members and non-members.

 

 

 

Original Business Start Date: July 1969 Incorporated: April 1989, NC

Principal: Mr. Lem W. Campbell , Vice President File Open Date: July 1982

TOB Classification: Collection Agencies

BBB Membership: This company is not a member.

 

 

Customer Service Contact

 

Mr. Lem W. Campbell is the complaint contact person for this company and should be contacted at (919) 683-2412 before filing a complaint with BBB.

 

call this guy ask for delete tell him u were told to contact him first before contacting bbb (worth a try)

[wet9500]

Well I done 3 things to try and get this handled

 

1- registered a complaint with the BBB

2- registered a complaint with the Attorney General

3- sent whychat's hippa letter to OC

 

hopefully I'll get some luv somewhere

[wet9500]

Need some help on this one I DV'd Them back in January after the payment had been made to orignal creditor, with no response to it. ok after many previously verified disputes I contacted the bbb and filed a complaint with them, well today their response has posted to our case:

 

1) the said when debt validation came that they sent out 2 seperate forms of it. WHICH IS A FLAT OUT LIE I'VE NEVER HAD NO CONTACT WITH THEM OR RECIEVED ANYTHING FROM THEM, AND IF THEY DID AND IT DIDN'T GET TO ME THEN THE HAVE NO PROOF SHOWING IT, AND ALSO I'M NOT SURE IF THAT IS A VIOLATION OF MY RIGHTS UNDER HIPPA BECAUSE IF IT WAS PAID THE WHAT BUSINESS DID THEY HAVE WITH MY MEDICAL RECORDS TO SEND RESPONSE TO ME.

 

2) they told the better Business Bureau that they could not delete from Experian because the debt was over a year old when it was paid to the OC. WHICH IS A FLAT OUT LIE BECAUSE THEY HAVE ALREADY DELETED IT FROM MY EQUIFAX REPORT LAST MONTH.

 

I'm sure I'll have to write a response back to the BBB on this one in the next day or two when they actually mail a copy to me. what should I include and how should I word it. I have a copy of my DV and Signed green card for it, I also haven't mentioned to them I also have filed a complaint with AG's office and sent the series of HIPPA LETTERS to the CRA and the OC to try to go the Hippa route with them also.

 

they are asswipes this is a $40.00 paid collection from 3-4 years ago that is showing paid and they are treating it like I'm commiting a crime to get it removed off of my credit report.

 

Thanks,

wet

 

btw: I can all ready see mr. Campbell is going to be a hardass to crack

Edited July 12, 2005 by wet9500

[wet9500]

ok the BBB didn't help a bit but I got a letter back from the attorney generals office today since address wasn't the same they would delete even though they have handled the account within the laws of NC. thats great thats all I wanted to start with.

[dumbandnice]

credit financial services,inc.

wayne cambell president

lemuel w. cambell vice president

100 w morgan st

durham,nc 27701-3315

phone 919-683-2412

fax 919-687-4771

[nearly_there]

credit financial services,inc.

wayne cambell  president

lemuel w. cambell vice president

100 w morgan st

durham,nc 27701-3315

phone 919-683-2412

fax 919-687-4771

<{POST_SNAPBACK}>

 

Wonder if Garth works there too....

 

wow that was bad.