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  1. Have you ever LOOKED at an LES??? Yes they give us $250 BAS BUT they take out $230 WHETHER OR NOT my husband is deployed. That leaves only an extra $20 a month for food, not much (and payments for dental eat that up anyways). We dont see a dime of the BAH and we spend WAY more on uniforms a year then we get in stipend from them (roughly double of what they give). And they only give you seperation pay IF you have been seperated for more than 60 consecutive days. You get that but it takes them forever to get it to you, so it is not something you can count on as you never know when it will start or end. They will usually bring them back in on the 59th day to avoid paying it or send them out and bring them back in all the time. I have only spent 65 days with my husband this year and not consecutively, the rest he has been gone. We have not seen a penny of seperation pay this year. You do NOT get a tax credit after you come back from deployment (unless Iraq deploys have different rules) and navy doesn't get hostel fire pay no matter where they go. I have never seen any extra pay from the navy that they didnt give grudgingly. It took them nearly a year to give us BAH after we were married and they never back payed us either. When my husband made second class, it took them 6 months to pay him the extra 200 a month and he was never back payed to the day he got promoted either. there are too many rules and red tape for them to do anything. 99.9% of all problems are not avoided by simple money management. You need to have a POA for a lot and most companies will not accept a general. Companies such as KAY's Jewelers require a specific POA for me to even talk to them about my husband's account. I had to find that out the hard way. It is sooo frustrating when you are the one dealing with it and you can not get anything done. And Navy federal, as wonderful as they are, have to see the POA everytime I try to do something in his name even though I am joint on the account. They will not make a copy of it and keep it on file. I have to go into a branch and literally show them the copy for them to discuss certain things. We keep seperate credit accounts and I can not talk to the companies without faxing them the POA, talking to legal, and figuring out what companies require a specific POA. It is a PITA. The only time we have had money issues on deployment has been when I pay the bills and my husband would look at our account and pull out whatever he wanted without knowing what bills I paid. So we had overdraft fees and all kinds of issues because HE spent the money while I was paying the bills. I am sure he told them it was all MY fault. That ended quickly because I put him on an allowance only giveing him so much allottment every month out of his paycheck. After he spent his money he had to call me and ask if there was enough in the account. This worked out better and never once have I had to turn him down for money. It really is more about the communication than the spending of the money. Once we worked out our goals and issues we began to grow more responsible financially. Web Bill pay is the best thing in the world! We have not missed a payment since we started using it. The Legal services office is really helpful when doing the credit repair stuff and NMCRS was so helpful with the layette profram and budgeting/financial help. Sometimes the FFSC is helpful also. I know this thread is like 4 years old, but I couldn't help replying. There are quite a few problems with your post, and I'd hate for people to read it and take it as truth. 1.BAS(Basic allowance for sustenance)This entitlement is for the SERVICE MEMBER ONLY. It is not meant to pay for diapers, pay for gas, etc, etc. This is what your husband gets so he, and he alone can eat. When deployed, more often than not, it is taken away because they are providing the meals(ie, on the ship, on deployment). 2.BAH: You aren't getting a dime because you live in base housing. They pay you, then take it out automatically. Move out on town, chose your own house, and you receive the full entitlement for your zip code. 3.FSA(family sep pay)Whoever told you about the 60 days thing is flat out wrong. If your husband is away on a deployment for more than 30 days, fsa kicks in at $250 a month. If you haven't been receiving it, it is up to your husband to find out why. 4.Hostile fire pay is not Army, Navy, Marine, etc specific. ALL services receive the same pay, same entitlements, same BAH(with the exception being clothing allowance). The Navy does receive hostile fire pay. I've gotten it many times, and will start getting it again in about a month. 5. The whole not getting paid for 6 months after making e-5..That is how the Navy advances. The Navy tells him on a certain day,"you are entitled to WEAR the next higher rank, but are not entitled to pay and allowances UNTIL advanced to the next pay grade. It's a waiting period. There's no back pay. Each time I have advanced, I have worn my new crows, but havent gotten paid for 6 months. It sucks, but thats the way the Navy advances. Bottom line: Each individual member of the military responsible for their pay. If you aren't getting what you think you are getting, go to the pay office EVERY SINGLE DAY until it is fixed. Military pay is very complicated, but know one is going to hold your hand. I know what I get paid every 2 weeks down to the dollar. If something is off, I'm at the pay office getting it straightened out. Things like this can be worked on with proper communication. Don't listen to the wive's club. Look it up for yourself. DFAS website will tell you all the pay and special pays out there. DOD per diem website is great for BAH, COLA, per diem rates. I use these as tools so I always know what I am entitled to, and what I am missing. Its great and all that you think you need to "correct" me, but you dont read well. 1) was in response to someone saying that we got money for food, (substanance), whie we did get BAS, it was not what people think when they hear, "oh we get an allowance for food". I never said the money was for "gas, dipers, etc". But people saying that we get "money for food" is not true, basically what he (the service member) got for food was 20 bucks a month, while attached to a ship, whether or not he was on deployment and wether or not he ate on the ship at all (which he did not eat on the ship when in port, he ate at home). 2) When i was typing i was mad and mistated the number of days. But my point is still the same. The ship would go out for 29 days, "come in to port" which often meant sitting off the coast and not actually coming on the shore, so the FSA would not kick in. Point of the story is still the same, you can not always count on them to pay you for separation. 3)My husband chased drug trafficers, was shot at, boarded other vessels while being shot at et al, and was still not considered hostile pay. Dont know what deployments you were on, but not one deployment we have been through in our nearly 12 years of military life has been "hostile enough" for hostile pay. So agian, point being that you should not count on certain things being given just because you are on a depolyment. 4) for the bah issue, we were not living on base housing, we were living in a house we chose on our own and were paying out of pocket for it. We did not recieve BAH for nearly a year. We should have been getting BAH in order to pay rent to the house we had. We were not. My husband could not "deal with it" because his ship never stayed in port long enough for him to contact all of the people he needed to contact. Like I said, i was with him for only 64 days out of a year and they were not consecutive. 5)The navy advancement does not work like you stated. no you do not get paid right away, but my point was you can not count on them paying you right away and you do not get back paid, so people who are "banking" on the fact that they will be making more money should not expect it fast or soon. So thanks for acting like you know everything. you obviously did not read my post. Since my point in most of it is that the military is difficult to deal with and you can not expect to be paid some things just because they are there, (as in the hosile and separation pay) This week i am dealing with Navy Medical, who has some how lost my daughter's entire medical record. They are saying that we never turned it in. I know they were turned in, we turned all 4 records in at the same time to the same place. So how is it they have 3 out of 4?? I hand carried all those records across the ocean myself. But instead of owning up to losing the record and working with us to come up with a solution, they are basically saying they can do nothing. So now i am having them make a copy of the other 3 just in case they try to say the same about the others when we pcs. The past 3 years has been pretty good financially since we have the money aspect straightend out. I am happy to say that this command has had less issues with getting paid, but the paperwork issue is always the same, slllooooowwwww. My point as always stands, dont count on getting all your money at the time you are entitled to it or request it. You have to watch your own back with them and being the spouse left behind to deal with it is not always easy. And i know I we are not the only family to have issues, and we are not all a "wives club". I know and work with plenty of men who are the dependant. And "proper communication" does not always work, especially when half the people you talk to either do not know what is going on or do not want to deal with it. You have no idea how many times i had to listen to them say "we can only deal with the service member", when i knew that to be a lie. Either way, I am an old hat at dealing with all this crap, i know what i am entitled to and when, and i know how to play this game, but the info is not always readily available to spouses and they are not always accommidating to the spouse. We had a heck of a time with that command and installation, and i am glad to say they are not all like that.
  2. I will be sending NCO a letter, not exactly a DV per se, but rather a letter telling them I will not deal with them now or in the future, and I will/have dealt only with Cap One and that I "dispute" the amount and debt as being past due. (the amount owed on the account is now half of what they claim) To all Cap One cardholders: Make sure your payments are on time and recieved so you dont have to go through this. Even one mistake will not be looked on lightly.
  3. thing is, internet is no better here. I am lucky if i get the internet for a week straight. Typically I will be out a week and on a week. Phones are also unreliable, both land lines and cell. I really miss america on some days. I have gone 2 weeks at a time without being able to use the land line (and thus the internet) and the for cell service, I have to go about a mile down the road till i get a signal. Even when i go on base to the library I am limited to 30 mins on the comp and trust me theirs is so slow as to make the limit a joke. So be thankful with your satellites and TV's and cell phones and internet that work. The rest of the world aint so lucky.
  4. Now that i would have expected (and still do) and can understand. but to send to a third party collections?? with a fraud alert on this account since March 28th?? I really dont care about the card now i just dont want the collection. It will be paid off and then i wont touch them again.
  5. Bill was auto pay and since we live in italy, it takes me about 3 weeks after they cut the statement till the day i get it. It was just an mistake, and one i rectified when i realized the issue. I am not even worried about the late fee, its not fun but it was late so i will accept it. I just dont think that it warrented collection activity by a third party, specificlly since they have my email and telephone number and could have easily contacted me about both issues. And yes I know it is grounds for AA but if they take AA (close the account, call the full amount due) then the creditor has to notify me of that action. I was not notified that the account was closed or called due, just the opposite, i was sent a statement which speciffcally told me what to pay to bring the account current, to which i paid twice the amount. The account is open and according to them, sitll able to be charged on (which I will not do now). The collection is not valid (the amount owed on the card is) but as the account never went to 30 days past due, they can not even report a late payment, and because the account is not currently past due and is open and active, then any reporting by NCO would be misrepresenting the status of the account since what would the call it? it cant be paid since the card is still open and revolving, it was never paid to NCO. So any reporting by them would be false.
  6. I just think this is stupid. There was no cause to send it to collections, it was on oversight, an accident, there is no job loss, no melt down, no about to default. It was just an accident. I dont see the need for them to send it to collection in "preperation" of a default especially since the account has perfect payment up till now (with the second account being perfect still!!) And yes i do believe that they should have 1) notified me of a fraud alert on the account and 2) notified me that the account was past due and about to send it to collections. instead the statement states that i can bring it current by paying x amount, not that they are sending it to collections I am marjorly worried about NCO showing up and impacting the rest of my cards. It would not only tank my scores but scare my other creditors and the account isnt even past due at all and can not be reported as past due. Thats my point. At no time was it 30 days past due for them to even report it so it should never been in collections to begin with. Now I can see if i was 60 days or 90 days late but even then with an active fraud alert on the account I would still expect someone to question the fraud issue BEFORE sending to collection, what if non payment was due to the fraud??? would my whole credit file be ruined because of fraud??
  7. Nope, never had a crap 1 before my '07 and the letter lists the exact account number. Anything from that far back would be (legal)SOL for me now and that would be easy to handle. But this account has never been late before and has never had any issues up till now. I also have a second cap 1 account. That one got paid fine not part of the glitch. I tried explaining this to them that only a few accounts had the issue. Thats what kills me is they see one account was fine and the other was all messed up but they just shove it in collections with no one even communicating that they suspected fraud. its aggravating
  8. The payement is done before the due date, by about 5 days. I didnt get calls and emails from the other until about a week after the due dates. Straightend them out right away, It was just an oversight, a once in a two and a half year history of perfect payments of one that was messed up. You would think that they would have looked and saw that there was a frauld alert and that this was unusual for the account to warrant contacting me before just shoving it in collections. I know I have a responsibility to pay it, I am not arguing that, I am saying that they did not communticate with me that there was a problem and the account was never late enough to warrant a collection, internal collections maybe but third party?? They never even mentioned any collection activity in their statement. I will be sending NCO a letter though. CYA and all....
  9. Look, i have beat these guys twice! Do the AG route, they will work wonders! I also worte the head of their legal departent telling them if they didnt delete they could face me in court with their non existant documents. They will delete you just have to push them! Write to the AG, AA will roll over
  10. Hi, I just wanted to give you a little pep boost. I too started out at around the same point as you did, same score range and some same issues, same age too. I was able to do so much in 6 months with the info here and the great people that give their time and knowledge. My scores are now in the 700's and I feel so free and happy to have dug myself out of a big ole mess and learned so much. There will be ups and downs in your journey (and a journey it is) but never give up, never ever quit and never be discouraged. Some days you will want to scream and cry and others you will want to dance with joy. And dont listen to anyone on the "outside" (not cb) tell you what cant be done. My hubby didnt think any of this had any worth until I fixed his reports too!! I think the others have given you great advice and all I can say is read read read, get some sleep, but read a lot so you can get the feel of it, and ask for help when you need it!
  11. True Story: I have all my bills set up with web bill pay through my bank. All bills get paid on time every month. Have been doing this for over 3 years. Well last month, there was a glitch with the banks system caused a few bills to not get paid as usual. Most of them notified me. I did not know that cap one did not recieve a payment as I thought that we had covered all of the bills that were glitched. Come to find out it was missed. the first notification I get of a missed payment is a statement on MAY 29th and then yesterday a letter from NCO stating that I am in collections. Now this account, has never been late before, has never been near its limit, and was not even 30 days late before i get the collection notice. Now I did pay Cap one, again through the banks system and it was recieved and I was not even 30 days late with the payment. This was just a simple error and what I thought should not be a reason to place an account with a third party collection agent before notifying me of adverse action. Also, the account was suspended in March for FRAUD and they never notified me (I dont use the card all that often). I think something is very wrong that they would send an account to collections 1) before it is even 30 days past due and 2) while the account was suspended due to fraud. What if the reason it wasnt getting paid was due to the fraud?? Anyways, I was told by crap 1 that if you are even a day late they send you to collections. I think that is crap and it was them pushing the panic button on an oversight. timeline: Due Date May 3 Late May 4th Statement recieved May 29th (which reads that if I pay the minimum it is considered current, no wording of sending the account to third party collection) Collection notice recieved June 2 dated May 21 from NCO. Paid more than the minimum amount and was now told the account will be able to be used as normal?? I am like ok, so you are recallling it back from NCO then and they agree. I say ok then no account from NCO should be on my credit report because the account is not past due, the money was not paid to NCO and the account was never 30 days past due. They said it might show up. I said then that would be fraud becasue that would be misrepresenting the status of an account and it should have never been placed with NCO in the first place. What do you guys think?
  12. No Jag is not required to invoke SCRA issues. However, this situation is very different from the usual issues. I didnt say he has lost any rights either. All I am saying is that this is on a closed account that has been paid for and is not affecting his ability to pay the loan NOW. The act is typically used on accounts that are open and have a balance due. Not on accounts that were closed and paid off. I personally have not seen a case where a member got paid money back AFTER the loan was closed and paid. If this went to court, I see it being hard to prove that his military service affected his ability to pay if the loan was current during the year and a half he had the vehicle. The fact that it incurred late charges is inmaterial here because it was the person who held the note's responsibility to continue to pay the note on time, and not bank on the insurance to pay it regardless of the condition of the vehicle. Additionaly, the last line of the post concerns me. Even if he were to get back paid for the issue, it would not be an immediate payment and likely the lender will put up a fight due to the reasons I have brought up a) the loan is closed and not affecting his ability to pay currently the rights were not invoked before the closure of the loan and c) it looks like this is a desperate attempt to get money for "nothing". If the letter comes from JAG, it is less likely that on this issue, the lender would put up much of a fight knowing that the SM is backed up with legal representation (free at that!). Also, JAG would be better able to advise him on his situation and point him to resources that are located on his base and area. Typicaly, no, you dont need JAG to help you with SCRA issues. However, this situation is a little different and I would seek legal advice before sending out letters and betting your financial well being on a "gamble". This is not a way to bring money in, if you get money then great! That is awesome!! However, if you are having financial issues then this wont "fix" things. Its best to get legal help and to find all resources available to you.
  13. Actually, JAG would be better to contact first, since this matter has been setteled (as in the note is no longer being paid for) and the act was not invoked at the time the note was active. This is invoking the act after the fact when all has been said and done. I have not personally seen such a case come in nor do I personally see the act being used in this fashion. "© Creditor protection A court may grant a creditor relief from the limitations of this section if, in the opinion of the court, the ability of the servicemember to pay interest upon the obligation or liability at a rate in excess of 6 percent per year is not materially affected by reason of the servicemember's military service." States that he could be liable if the military did not in fact affect his ablity to pay the note, which it is not now since the note is all ready paid and all actions were in the past. And at this point, it looks (no offense but my job is to look at both sides) like he is grasping at straws on this issue to find a way to recoup some money. And yes, I know how the JAg is since I work there. But since this case is so old and is not being paid on then he has time. If he is banking on the fact that he thinks they owe him money then he should be aware that it would take time anyways to figure it out and they just arent going to cut a check if they get a letter. If you are in a hard finiancial situation you need to find a better solution than dragging up old issues to bring money in. You need to tap other rescources available.
  14. You need to go see JAG on that since the act is one you must invoke. Since you did not invoke it at that time you may not be able to invoke it now when the situation is as it is. Go see JAG and let them work with you on it before you start writing the lender letters. Lenders do not know much about the act but jag will be able to help you. Good luck to you and yours!
  15. Didnt I just say the same thing like twice in two different posts??? Also if you can show me a CO that knows anything about the FDCPA and a CA that will follow it, then you are a lucky man. IME, the CA's will call and bet that 95% of people dont know the laws or the rights of the members. Most of the CO's I know dont even know what the SSCRA is let alone anything not related to the military, and some of those didnt even know the military stuff! The only person I trust to protect me is me. The CO's will only do what covers their but which is to give out the info they are supposed to and then to conatct the member about it. Glad you had a good CO, they are too few.

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