richdmc

My fault for assuming that people new the difference between VA funded(GI BILL etc) and loans. My fault again for assuming that there were probably others on this board in my situation or have been in my situation and they would respond with their personal experience instead.

Never said the VA was funding my education. The Department of Education discharged the loans after the VA sent them information that I was 100% permanent an total disabled. Waiting on full report but it looks like the final consolidated entry on my reports has been removed but all the former ones are there.

I think so. They all eventually transferred to nelnet(DOE). I had defaulted when I was no longer able to work. Won my medical retirement and they started automatically deducting monthly payment. That started 2 years ago. At end of last year I received 100% disability from the VA. VA sent info to DOE and I got a letter stating that "The Department has approved the discharge of your loan identified below on the basis of your total and permanent disability." The "loan" was all the loans combined into one. They discharged the remaining balance of around $12,000

After 5 plus years of fighting the VA I finally got my 100% disability and without me having to do anything, the VA sent the paper work to have my student loans forgiven. With the transfers over the years there are 8 separate entries. Since the loans were forgiven can they removed from credit reports?

Nothing else was touched and I did end up getting the money back once Navy Federal finished their investigation. At the time I didn't even think of filing a police report. The only thing that was really impacted was me not being able to pay the check off. By the time I got the money back it was too late. That account was closed down with in 5 min of noticing the money was gone.

Just now got a call from a local number saying they are a locator services and they need my address to serve me documents becuase I have charges against me. She keeps giving her formatted delivery as I go to the Oklahoma States Court Network site and the only thing with my name is my divorce in 96. She said I had charges against me 5 or 6 times. I asked her what firm and she said she didn't know lol. Later she mentioned pre-litigation so that sealed the deal.From the backgound noice she was in the same call center as the lady earlier but spoofing the number. Says since I won't give her my address she is going to have to come to my place of employement. They already have all my info so don't know why they keep asking for it.

Yes I did.

Has anyone heard of Global (Global PreLitigation)? A message was left at my work today with a number to call and a so called claim number. I called and all they said for a company name was global. When asked what kind of company the lady stated pre-litigation. She said they are going after me for fraud and breach of contract from a cash advance at check-n-go. In June my bank account was accessed by someone in New Zealand and they cleaned me out so I could not pay off the advance. I tried to make payment arrangements 5 days prior to the due date but the branch manager told me that wasn’t possible. On the day it was due I found out from looking on line that in fact is would has possible as long as it is initiated at least 3 days prior to the due date. In other wise I was already stuck so I told him that once I heard from corporate I would deal with them since he had already lied to me. I never received anything from them. The lady on the phone stated they were not going to get hold of me to give me a chance to settle but since I called in that they would give me the opportunity. I just about laughed. I only called cause hey called my work. I told her that I would like any and all communication to be conducted via US Mail. She said that I would not receive anything until I was served. I then asked “So you are refusing to send my anything?” She said that is correct. I asked “This is considered a debt correct?” Her response was “Right now you are not being pursued for the monetary value but for the charges of breach and fraud. When you asked me what we are I said pre-litigation not debt collector. I think what you trying to get around is the FDCPA which does not apply to us. We don’t have to validate anything I again reiterated that any further contact needs to be via US Mail and that I was recording. I got the whole I do not consent from her. After I told her that Oklahoma is a one party state and pointed out their little message about calls maybe recorded for training purposes could be considered implied consent all I head was click. With in the next two min I had to calls that came up as unavailable and with in 5 min one of my bosses got a call. If they call him again he is telling them not to call back. Just wondering if anyone else has delt with these guys. Search google for them shows several complaints.

Just got done reading it and his thread "A new method to disputing" at http://creditboards.com/forums/index.php?showtopic=313560&page=5 Waiting on hard copies of report then going to use that in 2-1 punch .

In July 2011 I had a charge off with HSBC Bank for $196. It shows up on my credit report starting in Sept 2011 Under LVNV Funding LLC with a balance of $205. Almost every month since then, the balance has gone up by $1. Under loan type it says"Factoring Company Account" I will post a screenshot tonight when I get home. Looking for suggestions on how to proceed from those that have battle LVNV before. Thanks.

Forgot to mention that my coworkers case was in Canadian County. After the garnishmetn started he went to Norman and got a court date set up. Unfortunatly he tried to do this on his own and the judge wouldn't even here anything about him never being served.

Start checkin the court house to see if they file against you. Coworker started getting his wages garnished and found out these scumbags got a default judgement against him. He never even knew he was filed against. He is still dealing with this issue even though he was never servered.

Got a message today from a Nancy Miller that said she was calling from what sounded like "BFO". It was obliviously a recording as the first part of the message was a computer voice saying "if you are not richdmc please press 1, if you are richdmc please stay on he line" and then goes to this Nancy Miller talking. She acted like we had been playing phone tag and asked me to give her a call back at a 800 number. Not sure who this is but pretty sure it is a CA due to the first part asking to press one if it isn't me. When a CA does leave a message they cannot use the mini-Miranda right? This one didn't but others have. Did a Google search on this Nancy Miller and BFO and it appears that the company is really DRS and there actually is no Nancy Miller. I have them right out of the gate for misrepresentation don't I ?

Long story short. He had a judgment he did not know about from a CA. He found out after garnishment started coming out of his pay. Once he found out he did go to court. Judge really didn't let him talk at all. Didn't even care that he was NEVER served in the original case. Judge set a limit to what the CA could take each pay day and shortly after the CA stopped the garnishment. A few weeks ago he found out a new garnishment was about to start and it is higher than the limit set by the judge. He called dispersing and they gave him some story about since it was a new garnishment the limit didn't apply(that is what I understood from him) We work different shifts now but he got hold of me telling me he goes back to the judge tomorrow. He also did his free annual and it shows the OC has the amount as a charge off and the total amount the CA is claiming is about $4000 more that what the OC is showing as charged off. He is in an area I haven't had to deal with in my credit repair journey so the best advice I could give him was to come register here. I will be directing him here to post more info and hopefully get some sound advice from those that know this stuff like it was second nature. Any advice will be greatly appreciated.

I don't think bolded is a violation, they never had contact with you. Others may have a different opinion. Agree that the bolded section may not be a violation but from what I have read I should have at least gotten something from then via mail before it went on my CR. Once they tried calling my cell phone that is when I started to watch for anything from them. Yes any letter I send will reference the TCPA since it was an automated call and since I have only had this cell number for 6 months, there was never express consent for them to contact me on my cell in connection with this alleged debt.