Credit Card Manager

The Culligan people first sent me a letter asking for payment. I called and talked to them about the situation and clearly stated that I would not pay them for it and if they wanted itt hey can come take it. They never followed up just kept sending bills, I will take some fault as I didn't put them on written notice to come pick it up. Doing so this week. In fact I may just take it to them. During our conversation they did admit I never signed an agreement with them. The Realtors are another matter. They brow-beat me when I first confronted them. I think actions speak louder than words with them.

Ok...so I buy a forclosed house in May 2008. Realtor Agency is both Seller and Buyer (different agents) Buyers Agent writes purchase agreement and notes water softener as owned. (after the below takes place they state it is not owned, but agree in writing they made the mistake but claim they aren't responsible because the selling bank has an addendum that they aren't responsible if the fixtures are not owned, I plan on suing the buyers agent not the sellers) Loan Closes I buy the house. 3 Months later I get a letter asking for 3 months of rent of the water softener. I pressured Realtor to cover buying it as the agent had the correct info and made the error/omission. No dice. I tell the water sofener people I am not paying them ever and if they want it they can come get it. Never hear from them. June I get a collection letter asking only for rent and fees. Resopnd with this certified and green card: 6/2/09 Me xxx st nw xxxx, MN 5xxxx xxxxxx Collection Service PO Box xx New Ulm, MN xxxxx Re: Culligan Water Dear Debt Collector: This letter is sent in response to a phone call received by you on 6/2/09. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( that your claim is disputed and validation is requested. This is NOT a request for “verification†or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that (a) the account is valid, ( the amount allegedly owed is accurate, and © I have a contractual obligation to pay Lindys for this alleged debt. All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Lindys for this alleged debt: • Signed credit application between myself and the original creditor • Copies of all signed vouchers from the date account was opened until default • Copies of all statements from the date account opened until default • Proof of the statute of limitations • Proof of agreement that you were hired by the Original creditor (creditor as defined by the FDCPA) or • A copy of the contract Debt Collection Company Name purchased the alleged debt. • If the alleged debt was purchased, provide a copy of an agreement between Lindys and myself, signed by me, stating that I have a contractual responsibility to Lindys for the alleged debt • Provide proof that Lindys is bonded/Licensed for debt collecting in the State of Minnesota. Be advised that failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims Lindys is asserting regarding this alleged debt. If Lindys can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from Lindys. If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA (Fair Credit Reporting Act), and carries a $2500 fine to be paid to me. I have two years to decide if I want to pursue this matter. PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES. If your offices are able to provide all of the validating media as requested, I will require at least 30 days to investigate this information, and during such time, all collection activity must cease and desist. I am also stating, in writing, that no telephone contact be made by your offices. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by United States Postal Service. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Minnesota’s Attorney General’s office. Civil and criminal claims will be pursued. Sincerely, Now I never hear from them again but when I check to see my last baddie on my account fall off this month I get this nice surprise... COLLECTION # xxxxxx PO BOX xx Balance: $ 354 Date Updated: 08/2009 Original Balance: $ 354 Original Creditor: 05 CULLIGAN WATER CONDITIONING Past Due: > $ 354 < Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Open Account - Collection Agency Attorney Remark: >Placed for collection< Date placed for collection: 06/2009 Estimated date that this item will be removed: 04/2016 So I am royally pissed....I have applied for a CC and been denied... the updated shows me they didnt validate...and kept reporting.... I'm about ready to sue both the collection agency and the realtor... Culligan has no signature or contract with me... Any suggestions? Need more letters that go ignored first?

yes it's on all three of my reports...

I've been there and done that with direct loans. Here's what happened for me. I had to mak 12 months of payments, after the qualifying payment they sent me a letter from the collection agency telling me to wait for a letter from direct loans for new payments, I ended up not having to make a payment the next month but i was worried about it and called direct loans every other day until it was "back in their system" so they could make sure I wasn't missing a payment. Now for the good stuff. I had 3 loans defaulted and tons of lates. The three loans were erased from the CBR's. (well 1 was left on eq but was removed with a simple online dispute) One new loan was created with the total sum of the remaining balance.....the loan shows as being opened the same day the first loan was opened and it shows as current and never past due....not even a 30 day on there once. I can't tell you exactly what it will do for you because your other credit stuff will still affect your score but it removes your bad tradeline school loans and puts on a perfect one.... I jumped from 535 to 610.

Did LDC Collection Systems violate FDCPA? I sent the standard DV letter asking for all the norm information. validation, proof of ownership or retention, etc. LDC signed the green card and didn’t respond, signed a green card for a 2nd DV letter and didn’t respond again. That was last year. I pushed for EQ to delete a little but they stood their ground just kind of let that go cold. LDC has not reported the debt since 9/1/2007. LDC has had no communication until now…. 1/14/09 Credit Card Manager 123 Happy Place Please be advised that the state Judicial Branch has retained LDC Collection Systems to collect all unpaid amounts due and communicate with you on the courts behalf. On 1/9/09 the state Judicial Branch filed a claim against you in the amount of $54.00 with the state Department of Revenue. Under the Revenue Recapture Act, state Statute xxxA. The basis for this claim is an unpaid debt you owe to the XXX County under case number XXX and file number XXX described as follows: Unpaid amounts due from parking violations. By filing this claim the court intends to have your future state income tax refund, property tax credit or refund redirected to the court as an offset against this debt until the debt is paid. The court can use these funds to offset during the time period allowed by law. The courts recapture claim will be stopped if you remit payment to LDC yada yada yada. If you wish to contest this revenue recapture claim… This is an attempt by LDC on behalf of the Judicial Branch to collect all unpaid amounts you owe the court referenced above. Now would someone think that filing a claim under a revenue recapture act constitute attempted collection of debt before validating said debt? Their letter gives both dates and incriminates itself, however it states the state judicial branch took the action. But again it also states that LDC is retained to collect.

They can, Permissable Purpose. Not only do they pull credit to see if someone is worthy of a credit line. They also use it to see how likely someone is to pay on their debts. For example someone who has 20 tradelines and 1 or two are reporting past due is far more likely to pay it than someone who is past due on 18-20 of them.

They are telemarketers, their company name includes "card services" so that's how they identify themselves. They do this because almost every credit card you have will say "thank you for calling card services" when you call them. This accomplishes 2 things. 1. A lot of people think it is the credit card company that is calling them and that establishes trust. 2. If the card holder has any questions later...they call the credit card and not the telemarketing co. I work for a CC company and I get the secong half of this conversation...after the person falls victim. They call 3 way with the victim on the line and ask the company to lower the APR. They say they are so-and-so's personal financial advisor and get permission to speak on the account because the card holder is on the line. They act like they have a special relationship with CC's to get a better rate. When in fact they have no leverage in any way. They tell you the money you pay will result in savings of more...but most people don't carry balances on their credit cards that reducing the APR would justify paying $900 for. If they can get just one CC to lower the APR by any amount they can then justify that they "provided a service" and disputing a charge becomes extremely hard. THIS IS SOMETHING ANYONE CAN DO ON THEIR OWN, JUST BY CALLING THE CC'S AND REQUESTING A LOWER APR What is truly sad is that I have seen where these companies have placed a charge that when it posts will place the card holder over their limits and when I have started explaining to the customers what they were doing...the telemarketer promptly disconnected the line to me.

If there aren't BT's available they may be offering "access checks" which would be at the cash advance rate.... I wouldn't sweat it though. When I got my Chase Rewards card two months ago I got a horrible BT rate....but then when I called to activate it they had a new BT offer at 5.99 % promo for a year...I just didn't have a BT to transfer...make sure you give them enough time to offer all the products and don't cut them off and tell the to activate and hang up....or you may not hear the offer.

Ok, So I am looking to see if LDC Collections is Licensed in my state...on my CR's it states: LDC COLLECT SYSTEMS/MN PO BOX 4967 TRENTON, NJ 08650 (800) 414-4590 Now when I look up LDC in Minnesota it tells me there is nothing in NJ but there is a company ACS State and Local Solutions located in Texas that uses the alias LDC Collection Systems. Can a company have a license for operations in TX and run them from NJ? I called them,anonymously, and found out that the company was in NJ and they still run their payment processing center there...but that the collections are run in TX. They like to sign for my DV's in NJ still but they never take any action. And my disputes get disregarded at the CRA. I'm sending off the letter about previously verified isn't investigation to EX and probably 1 letter from ITS letter with the CRA. Also about to run a Jack Jack Attack. (every time I see the term I think of a nice little baby that turns into a flameball with lazers taking on the CRA's...makes me smile inside.) Can you sue a CA for not deleting a TL if they fail to verify and they just don't update it anymore and just leave it on? Finally since the CA is located in TX and TX is much stronger against CA violations...do I search for a lawyer to sue in TX (can I even do that?) Below is the result for my search from the state. P.S. I am going to call tomorrow to see what "enforcement action" Minnesota took on them. State Minnesota Board Debt Inquiry Date 06/10/2008 06:16 PM ACS STATE & LOCAL SOLUTIONS INC Business Location Address 485 QUENTIN ROOSEVELT ROAD SUITE 595 SAN ANTONIO, Texas 78226 Business Phone Number 210-927-8500 Fax Phone Number 210-932-1248 Licenses Collection Agency License Number Original Issue Date Status Effective Date Expiration Date 20561700 05-03-2006 Active 05-03-2006 06-30-2008 Collection Agency Branch License Number Original Issue Date Status Effective Date Expiration Date 40090623 05-07-2008 Active 05-07-2008 06-30-2008 Aliases Doing Business As Name: Effective Date End Date License Type LDC COLLECTION SYSTEMS 05-03-2006 Collection Agency Doing Business As Name: Effective Date End Date License Type LDC COLLECTION SYSTEMS 03-06-2008 Collection Agency Branch Enforcement Action This individual or company has at one time had formal administrative action taken against one or more Commerce-issued license(s). For further information please contact Commerce Investigation Unit at 651-296-2488 or 1-800-857-3602 (phone hours 8:00 AM to 4:30 PM CST). Individual Associations Displaying records 1 through 7 of 7

How did you get compensated for your time being pro se? I took from it that they took the filing fees + expenses and doubled it to compensate for his/her time.

Ok, So I've been working hardcore on my credit and none on DW. She is a SAHM and has some CC through my income and others she is just an AU on my accounts...but it needs just some small work. (just 2 old collections and 1 Crap1 settlement on a CC) So I signed her up on MyFico to get her credit scores...had to give some security questions and pick a log in, pulled them, got what we needed. Then I went to TC to get the $9.95 special....but it kept asking for a login/password...there was no way to create one, just use a current one or do the forgot login/password. I thought I'd give that a pseudo shot and see if after it can't locate you that it would still let you create a login and get the $9.95 deal. I know that all was a bit confusing but let me make it easy....she has NEVER checked her credit since the day she was born...she doesn't care that much. Here's where it gets messed up....after putting in her Soc.... it "locates" her login... a login I created 20 minutes earlier...and asks a security question....that I created 20 minutes earlier on MyFico and then verfies it. WTF That is insane! Maybe someone else brought this up already but it kinda weirds me out.

Ok, so before I started online credit repair boards I was stupid and disputed something via EX internet. That came back as "verified" and they told me to contact the creditor. Since they never sent me a dunning letter I sent them a DV, then I sent a second DV letter. No responses from either. So I figured my CRA Delete letter was pretty cut and dry....they won't validate you have to delete. Today I get "we have previously investigated this dipsute and it was verified. IF YOU HAVE ANY NEW RELEVANT INFORMATION PLEASE MAIL IT TO US. I included copies of the first and second dv's, the CMRRR's from both. The receipts from the post office and my portion of the certified mail and the Green Cards. I sent the "new information" and they send me this crap....what do I do now?

secured at 29%? sounds like you may have defaulted with lates or overlimits. my secured with them is at 9.9. I'd call and ask about when your APR changed and why.

Ok, everyone else here pretty much summed it up....but I would like to share some specfic reasons as I see the ramifications on a daily basis as a CSR. 1. People who have never reported past due will NEVER benefit in debt SETTLEMENT companies. example First people have to become past due significantly before CCC will entertain even the thought of a settlement....let's say 3 months...but the first settlement offer will be NOWHERE near what the SC (settlement company....although i would like to call them stealing conartists). Even IF it was....he would not have the funds to pay it as they will only pay with whatever they have in the bank already after the fees would assess for the settlement. (and at 3 months he'd only have $1500 saved.) So now he has to become further and further past due to both get better settlement offers and more money saved. So while that happens all rates get jacked to 30% (probably already happened at 3 months....) more progressing lates on all accounts involved... soo at a year....he's "saved" $5k in his SC and they've incurred $12K in interest alone on that $40k balance....never mind the late, overlimit and whatever else fees the banks have applied. (and the kicker...they get the comission on the amount they saved you...so if they settle in the end for $10k on $50k balance at the time...they get the comission based off of THAT balance....fees they allowed to accrue.) Oh and the nice SC is taking all the phone calls and letters...the ones the are most important are the ones that sometimes the last straw before lawsuits and judgements.... they send ITS letters....and oh yeah it never got to you because you wanted all correspondence to go to them. 2 if you haven't been rate jacked even a debt management program would be not too much help (unless you signed up for high interest cards) however at least debt management programs are better...they just set up payment programs and if you were current on debts and then go on them then the agreed new minimum payment plan still gets paid so you should still report current and you pay the bill in full so it doesn't count as a settlement either... if you do want to look for a more respectable debt managements... www.nfcc.org isn't one but a good place to start looking into them. 3 others on here have already given you better options....but it really sucks when someone calls telling me about how they had a $500 limit....maxed and got a settlement company....then the balance grows and after the settlement plus the fees they paid more than the $500 limit in the end.... but now they have a charge off 180 late....for 7 years... and they'd like that fixed.... 4 settlement companies don't even work for people who's accounts have all charged off already and they have a small fortune to pay them with....as others mentioned.....it doesn't matter who is asking, people can settle on their own. 5....and this is a bit of a thread jack.... but NEVER EVER EVER EVER pay some telemarketing company where the automated message at the beginning states they are calling from "card services" and promise to get you a better APR.... they charge you a fee and then call with you on the line (to get permission to talk) and proceed to ask for a better rate....then threaten to close the account to get a better rate...and then end the call. They get their money....and you just gave it to them...you could have done the same thing in have the time and saved yourself all the money and half the time out of your life. Maybe you get a better APR maybe you don't but the other guy on the line has nothing to do with it. (sadly this is going to be read by 99% of people who know better....I just hope I save the other 1% that know of this site and don't know)

TU score jumped to 670 after some deletes. Apped Juniper Travelocity. Immediate approval for $2500. More than quadruples my higest limit previously of $600.