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chi

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About chi

  • Birthday February 25

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  1. Were the accounts past SOL (statute of limitations) before you left the country? If not then the SOL probably tolled once you left the country and the debts are still within SOL. Is it that you can't afford to pay anything at this time, or, that you're afraid to make a smaller payment because of the SOL? With debts as old as those then you may be able to get them to agree to accept a much smaller amount, to be considered as payment in full. If they agree to your terms, then, once you make that smaller payment the remaining amount would no longer be due, and SOL would no longer be an issue. Like the others mentioned, you do need to order your credit reports. And as Breeze mentioned, if you don't have family that you trust in the states then you can use a mail forwarding service.
  2. My DH is an AU on one of my old Orchard, now Cap One, card accounts. We received the new Cap One replacement cards yesterday and I noticed that DH's card has a different account number then my card number. My first thought when I saw it was that maybe Cap One is planning to make the AU responsible for what is charged on the AU card, much like how Amex does with their AU cards. But, Cap One has not requested any info from DH, SSN, his agreement to be responsible, etc., nor have they sent any info stating that he would be responsible for the charges on the AU card. My question is, if they are doing this to all AU's, if the primary ends up defaulting on their account can Cap One (legally) go after the AU for the charges made on the AU card when there is no agreement between the AU and Cap One?
  3. The SOL begins to run on the date the repo was sold which created the deficiency. You can probably find the VIN# either through the DMV or through the insurance company that you used to cover the vehicle. You might read the info in the following link: http://whychat.5u.com/repoltr.html
  4. chi

    Who is SRG?

    It was hard getting a phone number for the right dept at Allstate Ins. but I did manage to finally find an automated leave a message number with their fraud division. I called and gave them the info. I also called my AG and left a message with them too. Also talk to a NACA attorney. Spoofing is a big no-no for CAs/JDBs. Someone in the office of the AG called back and I explained about the message left on the answering machine. About the local number they had used that was showing on the caller ID was no where to be found on Google. That they had used the name of an insurance company, which they aren't affiliated with, for that phone number on the caller ID. She agreed with me about the spoofing but she basically said there was nothing they could do because it was a CA and there are privacy laws involved. So I asked her if this CA could spoof any company name and get away with it? She hemmed and hawed a bit then said, "well, yeah"
  5. chi

    Who is SRG?

    It was hard getting a phone number for the right dept at Allstate Ins. but I did manage to finally find an automated leave a message number with their fraud division. I called and gave them the info. I also called my AG and left a message with them too.
  6. chi

    Who is SRG?

    The telephone rings and the caller ID says it's Allstate Insurance. I let the answering machine pick it up figuring it was a sales call, even though we're on the do not call list. It was an automated voice, female with english accent that I recognized from past collection calls for DH. The past collection calls never stated who they were or who they were collecting for. Neither I nor DH has ever had any dealings with Allstate Insurance. The calls, including this one, simply said they were calling DH and if the person listening to the message is not DH then to hang up and if it is DH to hang on, and that it was not a sales call. After a short time after that statement they disconnected. I Googled the phone number and there was not a single entry for it. I called the number and an automated voice said it was SRG and to hang on until a rep came on the line. I Googled SRG and it's a CA. What to do about a CA who is using the name Allstate Insurance for the caller ID?
  7. Or OH? Remember there was a tornado that slammed into a HS In Oh. Or Wi? Or any state in the south? The decision to build school shelters is made by the state, not by the federal government. If it were a nationwide petition then people would probably expect the government to make the decision for the states, and to pay the costs of building safe shelters or basements. I know FEMA does have matching funds for the costs of shelters but the rest, or possibly all, of the funds should come from state resident tax dollars. Since it's a state issue then I think that it would be up to the residents of each state to push for shelters in their own states. Since a tornado in Alabama killed 8 children in a school in 2007, Alabama is now the only state that requires safe shelters to be built in new schools. Instead of asking why this petition is just for Oklahoma, people should be asking themselves 'why don't I create a similar petition for my own state'. If you don't want to sign the "just Okla." petition then don't, but I'll be more than happy to click on the link and sign the school safe room petition that you put up for the state you are in.
  8. The last I'd read, the Moore mayor is going to make it a requirement for the new homes that will be built in Moore, not for existing homes or schools, or schools that will be built in the future. Not a peep about it for new homes or existing/new schools in other towns. The school administration seems to be waffling about adding safe rooms/basements into the schools. If I remember reading right, the building contractors that had built new homes or rebuilt tornado destroyed homes in Moore after the past couple of tornadoes were supposed to attach the frames of the houses to the slabs using hurricane plates, which they did not do. Instead the builders cheaped out and just nailed them in like they normally do when building homes. If hurricane plates were required for the new homes, I sincerely hope they hold those builders (and the building inspectors) liable.
  9. I don't know. I suppose the person who began the petition didn't think to make it a nationwide petition.
  10. https://www.change.org/petitions/state-of-oklahoma-tornado-shelters-at-every-school-in-oklahoma Please sign it and share the link to the petition with others. Thanks.
  11. Medical Examiners office stated they had made mistakes in counting how many people had died. They are now saying the number is 24 at this time. The safe room industry is not regulated and I wouldn't trust a safe room that doesn't meet the Texas Tech NWI / FEMA standards. The Texas Tech safe room is designed to withstand wind speeds of 250 mph, which is in the upper range of an F4 (207–260) tornado.
  12. I'm still here. Plaza Towers Elementary School was a 57 year old cinder block school. It probably wouldn't have stood a chance in a smaller tornado let alone in a F4-F5 tornado. They evacuated the older children to a nearby church basement, no idea why they didn't also evacuate the younger children. There was no basement in the school, the children hid in hallways and bathrooms. The children that drowned had been pinned under a wall. Basements in Okla. are extremely expensive to build because of the ground, which could be clay, shale or rock, and because of the high water table. If a basement is constructed improperly, and maybe even properly, because of the high water table there is a good chance of it flooding and creating mold that would spread throughout the rest of the house. Also if a basement is built for tornado safety it would have an independent ceiling from the flooring of the house, which would add to the cost of building the basement. Probably the best shelter would be the safe room that was developed by Texas Tech National Wind Institute. Those safe rooms are installed as a closet in the home, as a bathroom, a room in a garage or installed underground if possible. More cost effective and appears to be much safer than a basement. The school system should look at those instead of basements. (I'd love to have one myself) It's terrible what those poor people are going through, again. This tornado followed almost the same exact path that the killer May 3, 1999 tornado took. The death toll with this tornado is different depending on which news station is reporting it. One station reports officials claim 91 deaths and others report 51 deaths. Moore seems to be a tornado magnet. A local news channel interactive map of 3 major tornadoes that went through Moore.... http://kfor.com/2013/05/20/interactive-map-1999-2003-2013-moore-tornadoes/ (I wish I hadn't seen the pictures that a local veterinarian had taken when he went to the Orr Family farm to work on or euthanize any of the 75-100 horses that had survived, most of the horses didn't survive)
  13. Movie Gallery is the parent company of Hollywood Video. Under the settlement agreement with the AG's in 50 states they cannot report the debts on a persons credit reports, they also cannot add interest, additional late fees or collection charges to the debts. Universal Fidelity works in behalf of the BK court. Usually if a person disputes the debt they will stop trying to collect.
  14. Hi coco The trip to Africa and the photography classes sounds like a blast. I'm looking forward to seeing some of the pictures that you take. I'm sorry you're not feeling well, I pray that you start feeling better soon. Enjoy your life of leisure.
  15. Thanks Adam. Fortunately I've rarely ever had vertigo. Since this tumor started throwing me off balance I often have a bit of dizziness but nothing like vertigo. I don't know how the physical therapy works in getting rid of the balance problems. It must work, at least to a degree, if that is a recommended treatment for the watch and wait crowd. In a way I'm somewhat relieved about it, I think more from the financial aspect then anything else. If it weren't for the 20% deductible (ouch) I'd almost prefer to have the CK done and get it over with, especially since one of the top rated CK doctors (Dr. Medbery) in my state is in the hospital that is under my insurance coverage. For now I guess I'll go through the PT and see if it helps, then wait to see what the next MRI says.

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