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robtwms

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About robtwms

  • Birthday 07/17/1970

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  1. Thanks for the great advise. I was planning to call and ask for a supervisor tomorrow am. My bank statement even shows the payment being debited out of my account on the 16th and the car was repoed on the 17th. I'll keep u posted...
  2. I made my payment online the same way I have for the last 3 yrs. The Lender is American Honda finance. My payment was made before the cutoff to.
  3. Ok I was having some health issues over the last few months and being out of work caused me to fall behind on my car payment. I was 60 days late as of 11/15. I made a payment on 11/16 to bring my account current. On 11/17 at about 3am, a tow truck showed up at my house to repo the car. I explained to the driver that my account was brought current and my car should not be taken. I even showed the driver proof of my payment. I called the finance company that morning to find out why the car was taken and was told they didn't know about the payment being made and since the repo was already done i would have to pay off the car ($11k) to get it back and they would refund the payment i made to bring it current. Is there anyway I can get my car back or am I SOL?
  4. Send this to any CRA where it is appearing, was disputed and was verified:( CMRR properly typed) CRA Name Address Att: Compliance Dept. Dear CRA, My name is xxxxx xxxxxx , my SS # is xxx xx xxxx. I am sending this dispute certified mail return receipt # xxxx to make sure you receive it. I have no knowledge or records of account # xxxxx on my report # xxxxx. I have disputed this unknown medical account with the reporting Collection Agent,( copy enclosed ),as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had the letter returned as " undeliverable" ( copy of envelope enclosed). Since you have furnished me with an incorrect address for contact for my dispute you are in violation of the FCRA and FACTA . I have been unable to find any record of the name and address of the health care provider, the name of the patient, and the reported date of service. Your refusal to delete this unknown medical account and failure to furnish a correct address for the reporting collection agency, requires that you immediately either delete this account, or furnish me with documentation as to the manner of your "investigation" and verification. This information would need to include the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the FTC for FCRA and FACTA violations,the OCR for HIPAA violations and appropriate State authorities. Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA ,SEC. 13407(1) BREACH OF SECURITY.—The term ‘‘breach of security’’ means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the HITECH Act as issued 11/30/2009. . I also reserve the right to include your Bureau in any legal remedies I pursue. Very truly yours, xxxxxx Send the letter out this am. Should I send custom stationary with teal font? "Properly typed" means properly typed and COURTROOM READY Ok Whychat, I just received a previously verified letter from TU. They said my dispute is frivolous!!! What's the next step?
  5. I've got a question. Can I CA continue to try to collect if im being sued by the OC? BTW, I went to the court house and picked up my papers and the papers filed by the attorney for the OC are totally different from the papers I received from the CA and the OC.WTF?? Now I think this is going to be fun...
  6. I have been both a landlord and renter and what is happening to you is so wrong. I would recommend checking out Nolo Press to see if they have something for tenent's rights in your state. I've used their stuff and found it pretty straight forward and reasonably priced. I will check out Nolo Press. I was also just reading the landlord/tenant law in my state and according to what I have read, they have broken a few laws.
  7. Update!!!! \ So I just checked my mailbox and found that Im being sued by the apartment complex. I guess they are expecting me not to answer and get a default judgement. Im going to fight this all the way. there's no way I can be responsible for upgrading an apt I lived in for 7 years.
  8. Update!!! EX deleted the account from my file.. I need to go back to work on EQ and TU.
  9. Im In the same bout with EX and CFC. Ex hasnt responded to My Hipaa letter either. CFC is hard to get rid of.
  10. Send this to any CRA where it is appearing, was disputed and was verified:( CMRR properly typed) CRA Name Address Att: Compliance Dept. Dear CRA, My name is xxxxx xxxxxx , my SS # is xxx xx xxxx. I am sending this dispute certified mail return receipt # xxxx to make sure you receive it. I have no knowledge or records of account # xxxxx on my report # xxxxx. I have disputed this unknown medical account with the reporting Collection Agent,( copy enclosed ),as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had the letter returned as " undeliverable" ( copy of envelope enclosed). Since you have furnished me with an incorrect address for contact for my dispute you are in violation of the FCRA and FACTA . I have been unable to find any record of the name and address of the health care provider, the name of the patient, and the reported date of service. Your refusal to delete this unknown medical account and failure to furnish a correct address for the reporting collection agency, requires that you immediately either delete this account, or furnish me with documentation as to the manner of your "investigation" and verification. This information would need to include the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the FTC for FCRA and FACTA violations,the OCR for HIPAA violations and appropriate State authorities. Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA ,SEC. 13407(1) BREACH OF SECURITY.—The term ‘‘breach of security’’ means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the HITECH Act as issued 11/30/2009. . I also reserve the right to include your Bureau in any legal remedies I pursue. Very truly yours, xxxxxx Send the letter out this am. Should I send custom stationary with teal font?
  11. Update: the mailman just dropped off the certified letter i sent the CA. It came back as undeliverable. I double checked the address on my credit reports and the addy is correct. What should I do?
  12. Yep I do have the original lease, i mean the walk thru works against the lease copies the CA sent me. The walk thru shows the correct move out date but the lease the CA send me shows an extra year added. There was $4600 worth of discrepincies on the move out walk thru. No my deposit wasnt returned. according to the final statement it was applied to the damages. Keep in mind I lived there 7 years and the tenant before me lived there 4yrs. the only thing that was done when i moved in was cleaning the carpet. and I did leave a forwading address.
  13. I got a copy of the move out walk thru, it was done 32 days after I moved out. Its shows the correct move out date, but the lease that was sent to me by the CA shows a lease term of 18 months.. None of the info i was sent adds up. This should be a real easy fix.

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