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Imnotabadperson

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  1. I to am having the darnest time finding an attorney in Maryland that is familar with the laws and willing to take on cases. So subscribing to this thread in case someone has any suggestions. Good luck castlereagh
  2. What is RCP? And thank you for the other information. <off to read more> and will repost in served forum as well.
  3. You don't even have to have any former or previous accounts .. ever. Bank of america closed my youngest daughters account 1 week after she opened it because she has the same last name as her sister and her sister has a bank of america checking account that had fraudulent charges/checks written against it. That account was closed with a negative balance of $297. for account abuse in 2006. Now my youngest daughter is only 17 and wanted to get a BOA account so she could start a banking relationship as she wants to buy a house at 21 and wanted to get established with a local Bank with good products. Well pooh on you BOA.. And Whoot to PNC. PNC will be getting all her business, mortgage, auto loans, student loans.. the whole caboodle.
  4. Kinda of lengthy but need to explain so I can get some help on what to do now. I used to live at this one address ( my grandmother rented me a house), but due to losing my job and the place needing repairs I moved out for about 2 years. I just moved back into the place January 2009. About one month later I was served to appear in court for a judgment case with Perouka and C1. With in a week I sent in Certified letters to the court, Perouka and C1 this is the letter: Case # XXXXXXXXXXX Complaint # XXXXX Notice of Intent to Defend I cannot officially respond to your claim until validation is made for the alleged debt. I am officially requesting validation of your claim, to include: - a copy of the original application with my signature for this alleged debt - a fully itemized statement for the amount you are asking which clearly details how this amount was calculated, including the interest rate being charged - How much was this debt purchased for? - What is the “Date of Last Activity†being used to calculate the Statute of Limitations for the alleged debt This letter has been mailed via Certified Mail with Return Receipt. Receipt of this letter is being officially documented. My Name I received a letter today from Perouka which stated that even though my request for Validation was not received in a timely manner in relation to FDCPA they were sending verification anyway. Then it states that verification of a debt is nothing more than the debt collector confirming in writting that the amount being demanded is what the creditor is claiming is owed. CHAUDHRY V GALLERIZZO , 174F.3D394,406 (4th CIR 1999). Below is the requested verification of debt. Original Creditors name C1 C1's address Acct # XXXXXXXX My Address XXXXXXX My Name XXXXXXX Amount owed $5057.11 Sincerely, Michael R Gagnon They also sent in the letter a bunch of statements from C1. Nothing was showing any of the information I asked for. Nothing with my signature, Nothing with the interest calculations. Nothing with date of last activity. and nothing stating how much they purchased the debt for. Court date is March 25, 2009 My questions are: I asked for Validation and they send Verification correct? The statements they have from C1 don't prove anything, correct? Only that they billed at the address where I used to live and now live but didn't live at for a long while. So what is my next step? Do I send another letter thanking them for the verification but again asking for validation and stating again what validation is to consist of? Also for court I will be bringing in copies of the letters and the green cards I received back. What else should I take into court? I am not too sure how the courts in Maryland handle such cases and if they are familar at all with any of the laws that pertain to these matters. Should I file a counter claim? Thanks so much for any help and in put into this.
  5. $6K = 3 cra's x 2 times disputed and reported as accurate.
  6. I sent a letter to CrapOne listing their violations and to please fix them and I told them to forward to me $6000.00 for their violations. I got a phone call from Their Sr. Litigation Specialist yesterday afternoon saying that the account in now properlybeing reported as "Discharged in Chp 7 BK" before it was reporting inccrectly because they responded to ACDV inquiry stating the account was a fraudulent account. I never disputed the account as fraud. I thanks her and she said she considered the matter closed now. Today I got a letter delivered by UPS and it states Please allow this letter to confirm our conversation today, where I explained the Capital One responed to a second ACDV in May and properly reported the account as "Discharged in Chaper 7 Bankruptcy" with a 0 balance. In exhange for this consideration, you agreed to consider this matter closed, and release and forever discharge Capital One Bank, its affiliates, and each of their respective past, present and future employees, stockholders, officers, directors, partners, agents, brokers, contractors, servants, affiliates, subsidiaries, parents, departments, divisions, predecessors, successors, and assigns, from any and all claims or counterclaims, causes of actions, remedies, damages, liabilities, debts, suits, demands, actions, costs, expenses, fees controversies, set-offs, third party actions or preceedings of whatever kind and nature, whether at law, equity, administrative, arbitation or otherwise, whether known or unknown, foreseen or unforeseen, accrued or unaccruded, suspected or unsuspected, which you may now have or have ever had against any and each of the Released Parties, limited to those claims arising from or relatiing to this Account. Um I did not agree to any such thing and only thanked her for lettimg know what was going on with my dispute and I haven't signed a single thing stating any of the above for them. Any thoughts on what to do next? Send a letter back stating I do not agree with her statement and that I do not release anyone from possible law suits? Thanks
  7. trying to find the letter I sent to them ( formatted my computer and misplaced my CD with the letters on it) But I think it was verification.
  8. Hello, I received a letter from CA - Cambece Law Office in regards to a letter I sent requesting verification of the debt. Their letter to me states: The firm received your request to provide you with verification of the above referenced debt. We conveyed your request to our client and upon our receipt of the verficiation documents the same shall be forwarded to your attention. Often the information you requested is in storage and on microfilm or microfiche. It may take some time before the information your requested is located and forwarded to your attention. It is my understanding that there is no deadline for the production of these documents. Sincerely, Crappy Attorney How do I respond to this? Don't they have to provide information within 30 days or is it just me that has to request verification within 30 days? Oh and this law firm has called my neighbors trying to reach me. Even though they were able to send a letter and I received it on the same day my neighbors told me they called, they didn't even give the letter a chance to be delivered or returned to sender before calling all around town. The law firm said they had every right to contact me any way they could. How embarrasing. Thanks
  9. Hello, I received a letter from CA - Cambece Law Office in regards to a letter I sent requesting verification of the debt. Their letter to me states: The firm received your request to provide you with verification of the above referenced debt. We conveyed your request to our client and upon our receipt of the verficiation documents the same shall be forwarded to your attention. Often the information you requested is in storage and on microfilm or microfiche. It may take some time before the information your requested is located and forwarded to your attention. It is my understanding that there is no deadline for the production of these documents. Sincerely, Crappy Attorney How do I respond to this? Don't they have to provide information within 30 days or is it just me that has to request verification within 30 days? Oh and this law firm has called my neighbors trying to reach me. Even though they were able to send a letter and I received it on the same day my neighbors told me they called, they didn't even give the letter a chance to be delivered or returned to sender before calling all around town. The law firm said they had every right to contact me any way they could. How embarrasing. Thanks
  10. I pulled my Truecredit reports today. and low and behold. After disputing with TU last month on many many items that were not mine or reporting incorrectly they deleted the entire file. So now Ex is almost reporting correctly, EQ has everything nearly correct and TU has no credit file for me any more. No TL's or anything. No BK no Judgement. So.. will the TL's that are reporting correctly to EX and EQ eventually report to TU also? should I apply somewhere for credit that pulls TU? But with no FICO score will I even be approved for anything? Thanks.
  11. Sent non pp letter. Still no responce from Drive. What do I do next?
  12. I have once collection update to IIB and 3 removed and only got a +5 increase in my score. That doesn't seem right to me. Anyone have similar experience? Thanks
  13. Drive Financial was discharged by BK in 2005. In Nov.2006 they did a hard pull on my TU report. I just started working on TU file so I only found out about this pull a couple of days ago. What do I do? Send a non-pp letter?

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