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mahler444

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About mahler444

  • Birthday 02/10/1978

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  • Location
    Cincinnati, Ohio
  1. So I just got this message, but I was just wondering if any of you that got the message and continued to pull had run into a problem yet? I have been looking for a good reason to can CCT, and if some of you that got the message back at the end of May have hit the limit, then it looks like it's time for me to cancel too. Anyone?
  2. So how about this for the body of my letter. I would send off my complaints to the Ohio Attorney General and the Ohio Dental Board and attach them. I would also copy the Ohio Attorney General on this letter. Dear Vision Financial Corp, I have received your letter stating that I owe $312.00. I regret to inform you that I settled this account with the All Care Dental branch I used. I dispute their claims of any monies owed. Furthermore, I have paperwork from the office manager stating that my account would be zero. Please provide me proof that this debt is valid and you have any right to collect this debt. I am attaching the complaints I have filed with the Ohio Dental Board and the Ohio Attorney General. Please refrain from placing any items on any of my credit reports, as I dispute this debt in its entirety. I monitor my credit reports daily. Please contact me by United States Postal Service only, as all calls are inconvenient for me. Sincerely, mahler444 --------------------------------------------------------------------- I'm having more mental problems with this because of all the moving parts. All Care Dental went bankrupt. Their offices were doing a lot of shady things. This is not years old as all of the other debt I have worked on in the past has been. I want to keep it off my CRs and I don't want to pay some CA money to do that. I truthfully paid this off at the local office, but everyone is gone there, and all I has is the handwritten statement from the office manager at that time. I would appreciate any more help from you good people.
  3. So I think I will send a normal request for DV, but let me put this out there. My goal here is not to win money from judgements, fight them in court, etc. My goal is for this never to be listed on any of my CRs. Having said that, should I tip my hand to them that I have written documentation from the office manager saying that I had paid my share and my account was 0? Do you think that makes the CA any more likely to disappear? I kind of feel like they won't care. I would like to get some more input from some of you guys and send my letter out this week.
  4. I think I will probably file the complaints anyway, just to have that process in the works. So is it the general consensus that even though this is technically medical, I should treat this like any other CA and just DV right now and see what kind of records they can come up with?
  5. Thanks for your responses. So I have one vote for file complaints and one for don't. olywa, I believe All Care went totally under. I called their corporate office first, and the phone number has been disconnected. My guess is the local office had different records from corporate, and when the whole thing went under, corporate sold it's remaining "uncollected" accounts to some part of HSBC as part of the bankruptcy, and now Vision is collecting on behalf of HSBC. I just received the initial dunning letter, they are not reporting on my CRs. I am trying to keep them from ever reporting at all, and my initial thought was to ask for validation, but since this is medical also I wanted to be sure I was not messing something up in that process. Thanks again, and keep in mind I'm not a rookie .
  6. Hey guys, I posted this in the medical forum, but there doesn't seem to be much traffic over there. Maybe I can get some bites here? So I used a company here in Cincinnati called All Care Dental. They took my insurance, quoted me a price, and I had some work done in the summer of 2009. This happened over 3 or 4 appointments. After I came in two or three times, the office manager informed me that he had run my insurance wrong and what I really owed was about 800 dollars. With my insurance, he originally quoted me about 80 bucks. So he said since it was his fault, he would split the difference with me. If I paid half, he would eat the other half. I agreed, and he notated that in writing in my file. So I paid 50 dollars per month until it was paid off. Well, I got a bill from their corporate office showing no differences. When I went in for a cleaning 6 months later, there was a new office manager. He proceeded to tell me the other guy should not have done that. I said I had it in writing and brought in my copy. Turns out I did not need it because a copy of what the other guy had agreed to was in my file. So the new office manager agrees and wipes my balance out. Okay, I'm fine so far. Fast forward to late this year. I get another bill from All Care Dental corporate in New York for $312. I call my local office and they tell me they will make sure corporate gets updated. Once again I let this go. Now today I received a letter from a CA, Vision Financial Corp, representing HSBC. They want $312 to settle my account. I get angry, call All Care corporate, and lo and behold, the phone is disconnected. I call the branches here in Cincinnati, and they are gone too. So I do some research, and All Care has gone under. So I called the CA (I know many people don't recommend this, but I wanted to know what the hell was going on). The rep tells me about my account before I even tell her my name (they are tracing the incoming calls, sneaky bastards), and I run over her and tell her what happened. I knew what was coming. She offers me a payment plan. That's all she can do. She did refer me to the company that has taken over my dental records if I have any questions. I thanked her and hung up the phone. So here's my dilemma. I don't know what my process is here. The letter has the standard mini miranda, but I don't want to screw up the process. I did call the new dental company who has my paperwork. They are opening up in that office on April 4th, and they would be happy to have my business, but they cannot do anything for me. She said I was the second person to call with this problem today (I know they must have been screwing a lot of people). She said others have been filing complaints with the Ohio Attorney General and the Ohio Dental Board. I printed out forms to file complaints with them, but I want to pause here and make sure I am doing the right thing. So how do I make Vision Financial Corp go away? I will start reading the HIPPA process, but should I start by requesting validation? Thanks for what I know will be great help from you guys.
  7. Hello everyone. I have never waded into the medical collections area of the site. I used to post a lot over in the regular forum, but now I have a little issue that I hoped I could get some guidance on. I know there are a lot of very knowledgeable people in here when it comes to medical debt. So I used a company here in Cincinnati called All Care Dental. They took my insurance, quoted me a price, and I had some work done in the summer of 2009. This happened over 3 or 4 appointments. After I came in two or three times, the office manager informed me that he had run my insurance wrong and what I really owed was about 800 dollars. With my insurance, he originally quoted me about 80 bucks. So he said since it was his fault, he would split the difference with me. If I paid half, he would eat the other half. I agreed, and he notated that in writing in my file. So I paid 50 dollars per month until it was paid off. Well, I got a bill from their corporate office showing no differences. When I went in for a cleaning 6 months later, there was a new office manager. He proceeded to tell me the other guy should not have done that. I said I had it in writing and brought in my copy. Turns out I did not need it because a copy of what the other guy had agreed to was in my file. So the new office manager agrees and wipes my balance out. Okay, I'm fine so far. Fast forward to late this year. I get another bill from All Care Dental corporate in New York for $312. I call my local office and they tell me they will make sure corporate gets updated. Once again I let this go. Now today I received a letter from a CA, Vision Financial Corp, representing HSBC. They want $312 to settle my account. I get angry, call All Care corporate, and lo and behold, the phone is disconnected. I call the branches here in Cincinnati, and they are gone too. So I do some research, and All Care has gone under. So I called the CA (I know many people don't recommend this, but I wanted to know what the hell was going on). The rep tells me about my account before I even tell her my name (they are tracing the incoming calls, sneaky bastards), and I run over her and tell her what happened. I knew what was coming. She offers me a payment plan. That's all she can do. She did refer me to the company that has taken over my dental records if I have any questions. I thanked her and hung up the phone. So here's my dilemma. I don't know what my process is here. The letter has the standard mini miranda, but I don't want to screw up the process. I did call the new dental company who has my paperwork. They are opening up in that office on April 4th, and they would be happy to have my business, but they cannot do anything for me. She said I was the second person to call with this problem today (I know they must have been screwing a lot of people). She said others have been filing complaints with the Ohio Attorney General and the Ohio Dental Board. I printed out forms to file complaints with them, but I want to pause here and make sure I am doing the right thing. So how do I make Vision Financial Corp go away? I will start reading the HIPPA process, but should I start by requesting validation? Thanks for what I know will be great help from you guys.
  8. Yeah, you may have luck with disputing this based on technicalities, but it's probably just going to reappear. It's very recent, and just because the CRAs delete it, that does not mean it's not coming back. I would agree with vetswife... see if it is possible to have BofA pull it back. Are you absolutely sure it was charged off. Checking accounts are different than credit cards. I had a checking account that was negative, and the bank was able to recall it from the CA after 6 years.
  9. hehe, that's not what accounting pronouncements dictate them to do .......their external auditors and SEC won't let them do that, not that they would want to VK And therein lies the real heart of the problem, doesn't it?
  10. Make him actually show you the interest and how he comes to those numbers. Dealers love to only give you what your monthly payment would be. Trick of the trade. Obviously you laughed and walked, right? That's the best tool when car shopping... knowing when to tell them they are insane and walk away.
  11. What course, where in Missouri? Branson?
  12. Call Chase, I bet that gets much faster results in having it recalled. As for the accounts that have already been sold, I you have to have it paid off, you need to negotiate a PFD with the CA.
  13. You got the form because you disputed as "not mine." Is the account truly not yours?

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