meantwell

Does my trade go toward the amount due at signing? This is the one point I can't find a clear answer on...The $800 is on top of the trade value.

Is anyone running in to problems with places that are in the Entertainment books starting to refuse the coupons? This is happening in the Tampa area, at places we frequent. It's got me wondering if there is some kind of fraud going on...

Your Age: 26 How long have your been on file with the CRA’s? almost 8 yrs Credit Scores: Equifax? 577 Experian? 591 TransUnion? unknown - can't get into the site Your Credit: Rate your OVER ALL credit from 1-10 (10=BEST) 5 Rate your installment Credit from 1-10: 8 Rate your revolving Credit from 1-10: 9 Public Records? If yes, please describe: Auto Loans: Do you have an open auto loan? Nope, she's paid for Credit Cards: Total number of revolving accounts: 2 Percent utilization overall: 0 Your Info: Total Provable MONTHLY GROSS income: 1920 Provable via computerized paystubs or what method: stubs Your Downpayment in CASH: $800 Rebates not considered; Trade Equity not considered; cash only. Please use a monetary value. Don't use the typical comments such as "little as possible" etc. I only hear that 4000 times a day. Cut to the chase please. New or Used Vehicle: New Please describe desired vehicle: 2005 Pontiac G6 Please leave any comments that your feel may be pertinent and may lend added weight for a favorable outcome I am an eligible GM supplier, also my husband has A++ credit and is willing to co-sign if he has to, but I want to know if I qualify for a GMAC lease without him (just for my own personal satisfaction). I have NO other financial obligations other than two credit cards that are rarely used and immediately paid in full when they are. All student loans, etc. are paid, house is paid for. Payment history on anything over last 12 months has been 100% on time.

Where on earth did I mention that I am trying to get a mortgage? Nothing could be further from the truth! LOL I don't own a home, never have, most likely never will. I was just trying to get this taken care of w/o doing business with a CA that I know will only poison my CR after I pay them. They did it several times when I lived in ND after promising they wouldn't. I don't think the CA can sue me as they are not licensed or bonded to collect in FL. And the company DID screw up my billing, they totally changed my plan to the opposite of what they promised. The whole point of my argument is to point out their mistake and give them the chance to make it right after I was laughed at by their credit department. I should mention that this particular company is a very local operation. I.E. - I went to high school with one of the board of directors' kids. We've met. That's why I was kinda taking this approach in personalizing the account, felt maybe if they saw me as one of their precious few customers, they might just take the bait. LOL Other than the TMI bit, how did the proposal portion sound? Did I cover my bases? I want to make sure that if the company recalls the account, that I have a leg to stand on if the CA reports anyway. Anywho, thanks for the review and critique. Usually I'm one of those consumers that just lays over and gets walked on, but I'm sick of this keeping me from getting a cell phone now. Guess my line of work has finally toughened me!

Didn't US Bank get slapped with some kind of class action for the way they ran their debits and credits to accounts? Or maybe I dreamed it all through the 4 hellish months that I was a customer of theirs. HAHAHAHAHAHA They did have class action for something, a bunch of friends of mine got checks for a whole $7.00 in the mail because of it. LOL I personally have been w/o a bank account of any kind for over a year. I'm happy as a clam to not have to deal with the bullcrap fees eating my whole check. I cash the check and have the whole thing for use within an hour of receiving it. I use a prepaid Mastercard to do online bill pay. And between the check cashing fee and the card fee, it's about what I gave to the bank every month for fees. But that's just me, YMMV

Me My address April 6, 2004 John Doe, President Board of Directors XYZ, Inc. Dear Sir: This letter is to propose a solution to an ongoing dilemma. In the summer of 2001, I signed a PCS cellular phone service contract with your company (Phone/account number yada yada yada). As things would turn out, I had to move out of state in December 2002. I had service terminated appropriately, but this isn’t the problem. Before moving, in September 2002, I requested an addition to my plan. As per my original agreement, I had 2000 anytime minutes per month. Because I used the phone as my primary phone for both work and home use, I was either nearing or exceeding that minute allowance monthly. Some of those minutes were used for long distance calling. What I requested was to add 500 long distance minutes to the 2000 I already had. I was told this would be no problem and the change would become effective the next month. I specifically asked if I had 2500 total minutes and was told “yes”. It did not become apparent until the next billing (which was too late to change the plan again due to the cycle already being closed) that I was switched from 2000 anytime minutes down to 500 long distance minutes. Naturally, I contacted your customer service department and was told that I could not change back for the current cycle and that I was locked in until December. My question is this: Why on earth would I want to cut my minutes by 75%? If you looked back at my records, you would see that I was consistently using 1800-2300 minutes a month, counting long distance. I asked customer service this and the reply was that I agreed to totally change my plan. This is NOT what I requested. If I was making that major of a change to my plan, why wasn’t I asked to sign a new contract? I even requested to know what the cost difference would be if I had stayed with my original plan at the minutes used and nobody would tell me. I went from paying about $150/month to nearly $300/month. And I was locked in for 2 months before a change could be made. The timing could not have been worse with my move pending. As time went on and I started a job hunt in my new home state, I tried to work with your credit/collections department on a satisfactory resolution. I’m not one to run from what I owe, but I really don’t think this situation is very fair to the consumer, and your credit department was less than helpful. As I had recently moved, I was unexpectedly unemployed for nearly 5 months and could barely keep a roof over my head with my savings, let alone pay nearly $800 for a cellular bill that should have never been that expensive. I explained this to your credit department, but my requests for a payment plan or other satisfactory bill settlement fell on deaf ears. Eventually, the account was turned over to EEEEEVIL Collection Agency, account numbers xxx and xxx. I paid them monthly and thought the account was paid in full as I received no further communications from them for approximately 6 months. On March 18, 2004 I received notification that I still owe your company $247.19. Here’s where the situation gets sticky. I recently discovered that EEEEEVIL Collection Agency is NOT licensed or bonded to collect in the state of Utopia. I will not do business with an agency that is not legally permitted to do so in this state. However, I DO want to resolve this situation and come away from this feeling like I could do business with XYZ again should I return to Earth's Refrigerator in the future. Here is what I propose: 1. I promise to pay XYZ directly, in the full amount of $247.19 via U.S. Postal Money Order, within 10 days of receipt of your favorable response to this letter. 2. In return, I request that your company halt any further collection activity against me. This includes informing EEEEEVIL Collection Agency that their services are no longer required in writing, and sending a copy of that letter to me in the event that EEEEEVIL Collection Agency should proceed to act negatively against me. This would protect your company in the event that EEEEEVIL Collection Agency should proceed to report my account unfairly and in violation of the Fair Credit Reporting Act. If EEEEEVIL Collection Agency were to charge a fee to terminate their services, I am willing to negotiate on that point. As it is, I have paid interest and additional fees on the monies owed, and the final amount that I owe your company includes said fees. Additionally, I request that your company refrain from reporting my account to any credit reporting institution in a negative manner. 3. Upon completion of this transaction, both parties consider the matter closed satisfactorily and fully. As I stated, I would appreciate your reply to this letter within 10 business days. It would likely be more costly for your company to reassign this collection than would be for us to resolve it on a personal level. I actually would rather pay your company extra money that I may or may not actually owe in return for the satisfaction that a hometown business took care of one of their own and did the right thing. We may not be able to change the billing for my closed account, but if we can try to rectify the situation at hand, it will show that your company truly cares about its customers. If you wish to speak with my by phone, I am available after 4pm CST at 000-000-0000. I kindly thank you in advance for your review of this matter, and your prompt reply. Please note that this does not constitute intended or implied legal action of any kind, this is simply proposition to resolve an outstanding debt. Our signatures merely protect all parties involved and foster future business relations between said parties. My signature on this letter signifies my intent to follow through with my end of the proposition. If I fail to pay you in full within 10 days of the receipt of your favorable response, proceed as you will, but let it be known that I have tried to resolve this bill amicably. If you agree to the above terms, simply sign below. Sincerely, meantwell I agree to the above proposed settlement and hereby promise that XYZ, Inc. will cease collection activity against the above named individual, including reporting to any credit reporting institution. I also agree that XYZ, Inc. will notify EEEEEVIL Collection Agency in writing that they are to cease all collection activity against the above named individual. Finally, I agree to send the above named individual a copy of this communication with EEEEEVIL Collection Agency to protect XYZ, Inc. in the event that EEEEEVIL Collection Agency should violate the Fair Credit Reporting Act while acting on behalf of XYZ, Inc. Signed and Printed: ___________________________________________ John Doe, President, Board of Directors XYZ, Inc. Or Authorized Company Representative *** I'm kinda new at this settlement crap, but I thought, what the hey. Couldn't hurt, right? Sorry so long, I'm a wordy chick. Read and bash at will!! ****

spiffy. I am going to ask "Tammy" (I don't think it's her real name, hence the quotes) what kind of interest they are charging. It's a defaulted private student loan, they are the 2nd CA to hold it. Original principal of $2600, unsure of the interest rate, but it was rather low as it was a student loan. Went to internal collections at $2628, charged off. Went to AMO at a balance of 3531.09!! Just over a 900 dollar increase! Plus I was harassed into making payments of at least $200/month to "keep slightly ahead of the interest". As of August the balance was right around $2900. Have made 6 payments ($100 biweekly) since then, I will get the updated balance and interest rate tomorrow. And have her send me a payment history for the account. That way I'd have documented proof if they are overcharging me. If that is indeed the case, you can bet I will proceed with swift and blinding justice!! LOL Anywho, thanks for the link, I was oh-so-close.

Just a couple of questions about this company for my fellow Floridians... I'm brain dead tonight and can't find any information regarding legal interest charges on collection accounts in the state of Florida. Looked all over the Dept of Banking & Finance site and Googled til my fingers bled. So that's my first request. Second, is it legal for AMO to have called my bf's cell regarding my debt? The fishy part of this is that his cell phone is not billed to our home address. I can totally understand them tracing the home phone number (which is in his name) to our home address, but the cell phone is billed to his parent's address near Gainesville!! What's next, they trace the phone numbers for that address and call HIS PARENTS regarding my debt? I won't be surprised, I'm calling the future mom in law tomorrow and having her be on the lookout and to keep any messages from a girl named "Tammy" calling for me. Third, if they have my bf's name and have traced his cell, how likely is it that they could have possibly reported this debt in his name? I'm very concerned about this. I know it's not even remotely legal, but for some reason they really think that he and I are legally married, as I have told them about 5 seperate times that he is NOT TO BE REFERENCED EVER in accordance with this account I'm calling "Tammy" tomorrow morning, so any quick info would be ever so greatly appreciated. TIA

I doubt you'd know...but I just started a job as a GM affiliate and am entitled to the supplier discounts, etc. I was just wondering now if I will be automatically approved for GMAC financing because I work for this GM affiliate. Only reason I ask is that I just paid off a GMAC loan about a year ago but it had tons of lates for some odd reason...I think a hardship program screwed up the way the payments posted and it makes me look like I never freakin paid on time when in fact I paid in full 6 months early. Just pondering making a vehicular upgrade in the next couple of years, not in a huge hurry but do know that my past auto payment history will likely always look like total crap. TIA

I heard a great suggestion... type your "signature" with a script type font...

Hey all, I have a wee bit of a problem. I took out a private student loan through Wells Fargo in January 1999. Things happened and I fell behind on the payments after my deferment ended and they charged off the debt and sold it to their in-house collection agency. They in turn charged off the debt (after I could not pay it all in one chunk, would not accept payments) and it was sold to a third party agency. This third party agency is real easy to deal with but here's the deal... 1) They are taking $100 every other week directly from my debit account. 2) They do not and will not report to the CRA's until paid in full. 3) Both the OC and the in house CA (Wells Fargo and Wells Fargo Recovery) are reporting chargeoffs on my credit reports and refuse to update until the full amount is recovered from the third party CA. So as you can about imagine, when all is said and done I will have not one, not two, but THREE negative TL's on all three CR's all from the same loan!! :evil: If you see below, my FICO's are SCREWED because of this, I can't buy a nickel for a dime!! I can't even get a secured credit card for this... Does anyone have any suggestions as how to best attack this situation? Best case scenario would be for the TL's to disappear completely... I was thinking of disputing the two TL's already on my report and seeing if they will just go away and validating with the third party CA. I don't think they can provide proper validation...I applied online for the loan and I never signed a darn thing. Before validating with the third party CA, should I block the payments? Or close the account outright? Maybe put a line in the validation letter stating that payments are going to be withheld until proper validation is provided? *I'm not sure if this should be in the student loan forum as this is a private loan and not subject to the regulations of the federal loans - feel free to move to another forum.* TIA

The repo woman showed up at my house one day...she must have been 75, chain smoked like a mofo...I was twice her height I swear! I actually chuckled when I saw her, I could not believe a woman of her age and frailty would be repossessing cars. And yeah, I've dodged the repo woman more than once. Roommates are godsends at times! "Psst...that old bag showed up...might wanna drive up and stay with your folks tonight..." GMAC must have gotten a bit more of a spine. I cried to Sarah once and she felt so bad that she let me slide. :twisted: I would say Western Unioning one payment will appease them temporarily, they really can't take it if it is only 2 payments past although their contract does state that they possess the right to repossess at any time... What I have seen people do is to advertise the car for sale for the amount of the loan payoff. That way GMAC gets their money and you get out of the contract squeaky clean. But I fear that your car has depreciated too far for this idea to work...I think the transferring of payments isn't too difficult to do but it's the warranty that is the pain in the @$$. I haven't ventured into these particular waters, so you might want to ask GMAC about that possibility. Good Luck! meantwell

that's what I tried to get at...thanks for making that clearer, Sassy! :oops:

must...find out...what happened...to the evil Mr. Cooper... I'd mount that breathing machine like a deer head...oh man...the mental imagery!!! :twisted: He's in for a nice surprise when my OC rescinds the account they sent him over HIPAA violations!! He'll crap himself!

I was chuckling about that fecal score too... too bad mine really IS a fecal score... :shock: Last time I pulled TU it was 505!! :shock: But that was before I started, and I'm just getting started...