Whychat repo letter success!!!!!

[chadwick1777]

I just wanted to tell Whychat thank you so much!! I have been battling a a reposession deficiency from 2008 for a long time now. I finally built the courage to use Whychats repo and it worked! I just got a letter today from the banks regulatory compliance officer saying "following receipt of your letter we reviewed how your account was being reported. Based on that review we have decided to delete the entire account."

 

I just wanted to say a big thank you to Whychat and the members of this board. I have gotten over twenty negative items removed from my credit reports using methods I have learned on here! I just have four medical collections left and after that my report is clean!

[chugs102]

For medical collections, also use Whychat's method.

[chadwick1777]

I've tried I got 3 medical collections off using the whychat repo letter, unfortunately my final

Four collections are with a CA called Grant and weber and they always verify and we have been battling each other for about 2 years. Unfortunately I do not have the money to use the entre HIPPA method for these four collections.

[chadwick1777]

I meant whychat HIPPA method sorry lol

[calichick]

I just wanted to tell Whychat thank you so much!! I have been battling a a reposession deficiency from 2008 for a long time now. I finally built the courage to use Whychats repo and it worked! I just got a letter today from the banks regulatory compliance officer saying "following receipt of your letter we reviewed how your account was being reported. Based on that review we have decided to delete the entire account."

 

I just wanted to say a big thank you to Whychat and the members of this board. I have gotten over twenty negative items removed from my credit reports using methods I have learned on here! I just have four medical collections left and after that my report is clean!

Congrats

[RoadToHomeowner]

That's awesome! I'm actually getting ready to try his method also. Do you mind sharing your process? Did you only have to send the 1st letter to the CA? Or follow up with the letter to the CRA too? Just curious to how far you had to take the process in your experience. There was another recent post of success but that person had to take it a few steps further then WhyChats method. I have 2 repos from a divorce in 2007 but both are still with the OC, no CA. I'm still debating on just leaving them alone since both are scheduled to fall off this fall or next spring.

[coachtom2183]

Who was the oc?

[chadwick1777]

It was a local credit union. On a side note when I checked my reports today I had an old collection from LVNV that is somehow gone from my reports!!

[coachtom2183]

Thanks I'm waiting for the 2 year mark on my repo with Car Max if it doesn't work I may have to PFD or bite the bullet and pay it to qualify for mortgage next year.

[jman52]

Congrats Chadwick! I was just reading over Whychat's repo method. Do you happen to know the purpose of waiting 2 years before sending the dispute? I am a few months away from the 2 year mark and I have no judgements, nor have they sold the deficiency balance.

[coachtom2183]

I had the same question

[sosabe77]

Congrats!

[chadwick1777]

I never really looked into the two year mark being that mine was almost 5 years old, maybe Whychat will chime in that way everyone can be clear on it. When I first started I had my OC claiming a balance along with a collection agency named Asset Aceptance. The collection agency fell off a long time ago after my first ever initial round of disputes.

[Vettecor]

Congratulations !!!!

 

Its GREAT when something like this happens giving a break to the debtor for a change.

[coachtom2183]

Hmmn... I was softed by Asset Acceptance last month better get my DV letter ready.

[fabdad]

Congrats Chadwick! I was just reading over Whychat's repo method. Do you happen to know the purpose of waiting 2 years before sending the dispute? I am a few months away from the 2 year mark and I have no judgements, nor have they sold the deficiency balance.

In the dispute you are claiming that you were not notified of the sale/ deficiency in a timely manner. If the repo is under two years old , they could just send you the required notices and then the fundamentals of your letter is negated.

[chadwick1777]

Assept acceptance was really easy to beat. They didn't survive my initial round of disputes after deleting all of my old address's.

[jman52]

Ahhhhh, I see! Thank you Fabdad! I never received any documentation from the lender. Given that it has been nearly 2 years since the "alleged" repo and they haven't contacted me, sold the debt to a CA, or filed suit, one would think that the account is either at the bottom of a junk pile or they simply no longer have the documentation to back it. Anyone agree???

[chadwick1777]

I think you should give it a shot and get the letter ready. Make sure you get the carfax.

[jman52]

The Carfax is only for my records, so that I can compare what they are claiming, with the Carfax report?

[chadwick1777]

In the letter your going to need to state te date of the reposession and the date of the sale of the car after the repo. Make sure you also have the VIN niner for the car also.

[chadwick1777]

*number

[jman52]

Gotcha. Thanks for being patient! All of the legal jumble gets confusing. I will certainly have the letter ready! I guess it's kind of a crapshoot, because I will still be within the 4 year SOL. But we shall see!

[chadwick1777]

Yeah I was scared when I did it even though I was last the four year mark. Lol it took me a while to understand it I think I read the entire process 50 times before I did it.

[jman52]

I hear ya! I keep reading it! I still think that it's worth a shot, because in the letter, you state that "This is not a refusal to pay," which should still keep that negotiating window open, should the letter not have the desired effect. My balance is only around $6000 (which in automotive dollars, is not too bad), so I am certain that I could get reasonably good settlement, as a last resort of course!