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TRU_

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  1. Ok awkward situation. Wife's taxes were offset. We found out who, but the why is where it gets interesting. Before the company would talk to her, they had her verify the address and said it was the correct one. We never received a letter. Asked the company when it was sent, they said Jul 2014, (ONE LETTER, no calls, no other letter sent. Just that one) she asked what address, they said the one provided by IRS. So she asked them what address that was and they said they "couldn't verify that with her" because it was "IRS's information". Problem is that we had an old address that mail was being sent to randomly. Wife had been previously married, and it looks like that was the name they were using. Our old address is with a family member, & they don't know my wife's previous married last name so if a letter DID arrive they would mark it as "return to sender, addressee unknown". I'm afraid that since wife had to verify our CURRENT address with them before they would talk to her, that they would just use it as the reference address. Also after filing taxes we received NO NOTICE of the offset. Taxes were DD and just didn't come. She checked today and that's when we saw the notice of offset and that we would be receiving a letter. I was told that if we had set up payments they couldn't offset it, but how could we make or setup payments on a loan she didn't knew existed? Also she has a few others that are being consolidated. Is there anything we can do?
  2. Ok. Changing provision to please provide. might just use the original format.
  3. TRU_

    Quick question

    I'm sorry if: nearly dying twice in the last year because of my illness -> unable to work-> not enough income to pay -> JDB. Was not foreseen. You post like you actually care sometimes, then you post crap like this. This helps absolutely nobody. What is the point? Anyone care to give a real answer to the OP? Thank you
  4. I rewrote it. Took an hr. This one is to a diff company: Collection Agency 666 Evil Street Hades, Hell 00000 Certified Mail Return Receipt Requested#: RE: Acct# Date: Dear, Evil Company On Date, I received a letter from your company about an alleged debt and I do thank you for your recent inquiry. Note: This is not a refusal to pay, but a notice that your claim is disputed. Therefore I am sending you a request for "validation" that is, competent evidence that I have some contractual obligation to pay you made pursuant to the Fair Debt Collection Practices Act. Please note that this letter revolves around the FDCPA , not the FCRA. I therefore request that you furnish the following, including but not limited to: 1.) Porvision of the Account Number(s). 2.) Provision of the terms of assignment for this account. You may attach a facsimile of any records relating to such terms. 3.) Provision of the date the account was charged off or defaulted, and what type of account or loan it was. 4.) Provision of the full name, SS # and addresses associated with the account. 5.) Provision of a full explaintation of how your firm arrived at the amount due - principal, fees, charges & interest. 6.) Provision of a complete transaction history on the account from the date the alleged account was open. 7.) Provision of a valid document with my signature agreeing to alleged account. 8.) Provision of legal documentation showing whether or not any insurance claims been made by any creditor or assignee regarding this account. 9.) Provision of legal documentation showing whether or not the purported balanced of this account had/has/hasn't been used in any tax deduction claim. 10.) Provision of legal documentation showing your authorization to collect in my state. (California) All requested information must be made on paper with Evil Company's letter head & signed by an authorized representative. Upon failure or refusal of Evil Company to validate this collection action, or fails to respond in thirty (30) calendar days, then Evil Company agrees to waive all claims against the debtor named herein. Note that under the FDCPA, you not only have to verify the amount owed and the original creditor, but you also have to verify that you are collecting from the correct person. Please don't send form letters asking me for more information, I've advised you the nature of my dispute under the FDCPA ; You're the ones claiming I owe this, and this is a reasonable request for information. Also, I am not requesting the provision of a "verification" of the information you have received, but of the information as I have requested above. Lastly, this letter shall also serve as notice that any future contact about this matter be made through US mail. As of yet i have not had and any phone calls by your company, however I am herby serving notice that any calls made by your company or any other parent, sister, daughter, or 3rd party company you may have given my information, to including by not limited to myself, family, friends, neighbors, or anyone else I may be connected to no matter how remote, be immediately halted before they start due to them being inconvenient to me, and all other parties therin. Regards. Your name edit as needed
  5. TRU_

    Quick question

    What can i do about a JDB who called and spills out my full name, SS# & address BEFORE verifying who i am? Also i've been wondering this for some time: If the OC gets a tax deduction based on the amount written off, then they technically received what was owed. Now if a JDB buys the account, then why would i be obligated to pay them the full amount? Shouldn't i only be responsible for the amount they actually paid for said debt? I agree that i owe a debt, and if the OC would take payments again i'd pay them, but i don't want to help line the pocket of JDB's
  6. Kinda sad that i'm back in this position again since after coming here, my CS improved to around 720, but after a hospital stay & my wife having to quit her job to take care of me everything fell apart. We were surviving off my SSI, but now that i'm back up & have a good job i'm back in the game to repair my credit once again. ok now to my question. I took ICANHASMUNY?'s, UDL and tweaked it somewhat. It's a bit long, & i was wondering if it's a too wordy. Variation of ICANHASMUNY?'s " Unknown Debt letter" RE; Account # _____________ 1232 Dear ( JDB name ) on xx-xx-xxxx, I reviewed my credit report # _____________ as furnished by ______________, and found that your firm had listed an account as follows; ( account details ) I have never been contacted by your firm regarding this account - furthermore, since you obviously have access to my location information via this Credit reporting agency, and since the address listed is current and correct there's no feasible reason that you should not have contacted me. As all credit reporting by a Debt collector is considered a "communication in regards to collection" and, reporting a charged-off debt to a consumer reporting agency, particularly at this stage of the collection process, constitutes "collection activity" on the part of the collector, I am treating this reporting of an unknown debt as intial contact pursuant to section 15 USC 1692g(a) Your firm has failed to supply me a written notice within five days after the initial communication ( which is 5 days after you reported this account ) stating the following; (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Please note that this letter revolves around the FDCPA , not the FCRA . As the Account # is abbreivated, I don't know what account this is concerning, or if this is even an obligation of mine. I don't recognize it, nor the details contained within. I request that you furnish the following, including but not limited to: 1.) Provision of the date the account was charged off or defaulted, the account # and what type of account or loan it was. 2.) Provision of the full name, SS # and addresses associated with the account. 3.) Provision of a full explaintation of how your firm arrived at the amount due - principal, fees, charges & interest. 4.) Provision of a complete transaction history on the account from the date the alleged account was open. 5.) Provision of a valid document with my signature agreeing to the alleged account. Please note that under the FDCPA, you not only have to verify the amount owed and the original creditor, but you also have to verify that you are collecting from the correct person Please don't send form letters asking me for more information, I've advised you the nature of my dispute under the FDCPA ; You're the ones claiming I owe this and reporting it, and this is a reasonable request for information. Also, I am not asking for a verification of the information you have received but of the information as I have requested above. Lastly, this letter shall also serve as notice that any future contact about this matter be made through US mail. As of yet i have not had and any phone calls by your company, however I am herby serving notice that any calls made by your company or any other parent, sister, daughter, or 3rd party company you may have given my information, to including by not limited to myself, family, friends, neighbors, or anyone else I may be connected to no matter how remote, be immediately halted before they start due to them being inconvenient to me, and all other parties therin. Thank you for your time. My name ----------------------------------------------------------------------------------------------------------------------------------------------------------------- The reason for the DV is because i was pulling my yearlies, and noticed this: Never heard of them, received a call or letter.
  7. TRU_

    Barclay Ring BT?

    The ring card was discussed as he was doing a recon for the rewards card. i was approved for the rewards card shortly after. I'm assuming he was trying to "sell" that one too. or was just curious lol Also yes, intro period is great, but the perm rate is what got me. if i ever want to do a BT down the line, i wouldn't need to open a new acct so i was considering applying for it, or asking them to have the rewards transferred to a ring. If that's possible.
  8. ok, thnx again all for your suggestions in previous posts. I might need to make another success story, for our journey but that's later. On to my question App for Barclay rewards (high credit) card was denied so i called the recon line (approved after call). As the rep was asking a few q's he "overheard" my wife ask about 2 of our other cards. He then asked if i had heard about their ring card? said its 8% ("fixed"?) APR with no BT fee. It seemed like a good idea. The funny part is that the cards my wife was asking about are "builder cards" with around 22% APR. Would it be a good idea to BT the high APR cards? i already have the figures up. if i were to transfer all of our high APR cards to the ring card, we'd save $3k in interest & pay it off about 16 months sooner. Seems like a no brainier to me, but in the multitude of counselors there is safety, so i thought I'd ask:)
  9. Promo code: E1405SGL20FST Expires 5/12/14 NOTE: i think sometimes people try to get the 3-n-1 report. these codes do NOT work for that.
  10. IKR! i may end up just doing a BT of this to my Discover it card. then close it. not sure yet. may end up just letting them charge the monthly fee & eat lunch once a month then pay it off just for the TL
  11. I had read a few bad things about Credit One, but this is just sad: I applied for barclay rewards & this one at the same time. Barclay was declined but approved after i called the recon line. I read and re-read both application. When i did the credit one card it showed nothing for the card, (it was the default one), Didn't say anything about the "authorized user fee", & the annual fee was supposed to be billed monthly (there was a box on the upper right corner that showed that). HOWEVER, when i got the card & logged in i saw those charges. IMMEDIATELY i wanted to cancel, but the fine print says only if i haven't used it yet. If i pay this off in the next 2 weeks then close it, how much damage would it do? (the $7 transaction was lunch lol)
  12. ouch. thats kinda..messed up... never missed a payment since opening that's 3/12 yrs, then went to collections during an incarceration & for my trouble, they continue to update negative info. /sigh
  13. Capital One REFRESHED my closed acct! here it is as it's supposed to be Experian: TransUnion: Check this out: Equifax An older report shows the 12/2008 date. I should file against them according to the FCRA about reporting outdated info correct?

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