Cheryl73

I would go with the Texas Laws help first then attack the repo if that doesn't work. Bet they did not follow the laws for the repo.

Thank you for your help. Cheryl

I know I should already know the answer but I am not certain. Can a CA report on your credit reports without even sending you a dunning or having any communication whatsoever? Since they are reporting is it best to DV them anyway or dispute? Thank you so much, Cheryl

Great news, they are a real pita.

Now that is scary but I look at it as I would rather them force the issue and lets fight it out then sit there and ignore me and flip flop the numbers around like they are. I will fight them by learning as much as I can and forcing them to show me something. Based on some cases I have read they seem to have a real hard time showing proof of something once the defendant tosses request for docs at them. Dixie I have read allot of your post and respect you allot but they are the ones calling it an installment and not a credit card account, does that help me?

It is 4 years in Ohio. Yes, I am in Ohio. I cannot find any NACA attorney to look at this, I have contacted 7 different ones, one replied they are swamped, one replied they will take a look at it in August sometime and the others wont reply to emails or phone calls. Yes, I am reading as much about them on this forum to see what I can learn and they must think they can do whatever they want from the sounds of it. that is IF her records are complete. that is why it is so important (in general, not necessarily the OP) to keep GOOD records and be SPECIFIC in your letters to people like this. When you walk into an attorney's office, you should be able to hand him a binder (or whatever) with all the info ready to go. Just because you know they are violating ..... if you can't prove it.... then you're screwed. Yes, I have my records, my statements and last payment receipt. It matches the records they sent a copy of a statement showing the same date and on the dunning it shows last payment which is the same date as the one I have. I really, really appreciate all this input. With them flipping this around like this there is no way I will ever get my scores up to get my house refinanced. I agree as above, I think they are trying to scare me into paying them. Thank you all for helping me. Cheryl

Date opened 2001 Date of last payment Feb 2004 Last statement with a payment shows Feb 2004, both my records and the photo copy of what Midland sent to me show this. Thank you both. Cheryl

Well Midland has caused me nothing but trouble. Moving accounts, changing dates, changing types and amounts. So with the advise I got right here to send them a FOAD letter here is the response. Long one but I am going to narrow it down to the goodies. Dear xxxxxx, Midland takes allot of pride in our collection services for our clients, we are in recepit of your letter dated xxxxxx. Please be advised that our legal staff has read your letters and complaints and we are abiding by the laws that govern this debt. Therefore we have no further option but to seek a legal remedy to the amount past due and owing to us for this debt. We have already provided you with validation of the debt. We feel that you are ignoring our request for full payment of your account you have with us and have no further choice but to ask our legal staff to take whatever measures they can to collect the amount you owe us. Please be advised that this debt is being reported correctly and can be on your report until the year 2014 and may adversely effect your credit rating until you pay this debt in full. Please send full payment of xxxxxx so we may not have to take legal action to collect the amount you owe Midland. They have recently changed this to an open account, 30 days past due, added a 120.00 payment, re aged it to show it as a 2007 dola and just now marked it as in dispute. I cannot a NACA attorney to help me with this, my locals want mega bucks to even look at it and I really need to do something with these people as quickly as I can. The AG, FTC and BBB filings did nothing for me. Any suggestions from here would be so much appreciated. Thank you, Cheryl

The only one I was able to actually speak to said that she is buried in lawsuits right now and can take a look at it in about a month or so.

Thank you so much. Yes, it is hurting me big time as I cannot get a refi with this showing like this.

It is also past 4 years and out of SOL. I think Midland loves to call it open because it then gives them 6 years SOL.

Midland is reporting as an open installment account with payments, 2 times the balance and a payment history for 30-60-90 lates when it has been 4 1/2 years since the last dola (payment on the account). Arrow is reporting as if it is an open account with payment and balances due but still showing in collections. Thank you! Cheryl

Yes, they didnt take the bait and are probably laughing about it. I really need help with this, I need to refi my home and cannot with them reporting as an installment and Arrow playing their switching games.

Not be a a snob but my goodness I need help and this get slammed to the second or third page real quick with post about credit cards obtained. I realize people who have finished repair like to post about their new credit cards and limits so what do people who need help do when these post are covering up legit questions? I have done everything I can and searched for this answer many times on this forum and nothing. I will do the work but need guidance. Thank you, Cheryl

Thanks for the bump Radi