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Found 8 results

  1. So here is our timeline... OC: Cap One 3/6/2008 opened 5/2008 DOFD 11/2008 C/O <Account opened, used, charged off in FL. SOL went past while a resident of FL (4y)> <Moved to in AFTER all the above and SOL is still past in IN (6y)> 10/08/14 Sent the first letter to CRAs mentioning the OC and the CA account ( http://whychat.5u.com/initdispltrsol.html ) 10/16/14 TU deleted everything (yay) 10/17/14 EX removed only the OC 10/27/14 EQ removed only the OC 10/27/14 Sent the letter to the CA ( http://whychat.5u.com/nottoca.html ) 10/30/14 It was received
  2. LVNV is on 2 of my reports for and old Providian account. It will age off in a few of months. It is, without a shadow of doubt, well beyond the SOL. I am in CA and always have been. I sent LVNV Whychats "letter to collection agency validation/dispute/cease and desist" letter, certified mail, to LVNV in January. After I confirmed receipt, I sent an itemized dispute to the CRAs listing the incorrect line items. I never heard from LVNV. They verified the account with the CRAs. I just received a dunning letter from FNCB listing LVNV as the owner. It has the typical 30 day languag
  3. FYI: I am out of lawsuit SOL. I am not worried about them trying to sue because I have the best affirmative defense: Time-Barred. California is 4 years. Last payment made was late 2007 to OC which they acknowledge so you would think they wouldn't be crazy to try a lawsuit. Either way, I'm not losing any sleep over it but I will challenge them at every turn to get this off my report early. Heard from Resurgent regarding the CFPB complaint. They explained why they report as factoring account blah blah blah. They included a bill of sale with an Exhibit A attachment with a receivable file dat
  4. HI everyone!!! Sooo I disputed LVNV online with the big three and of course 6 months away on that report, they deleted. Does not drop until Aug with EQ and they updated. On my Experian however, it states that it will be on record until May 2014 but I got my results in the mail today and the "updated" !!!! What should I do just wait? I have read about many ppl calling and having the item deleted so close to fall off date BUT I just disputed it a couple of weeks ago... help
  5. Now I've never had the pleasure of dealing with this CA, but I love the opportunity at meeting new people!!! So, I just got home from work and checked the mail. Open a letter for me and it is from LVNV collecting on behalf of an Original Creditor called "General Electric Capital Corporation". They reference me as a nickname, not my full-legal name. Which I find particularly odd as my CR's and ALL my bills have been my full name (swedish family name by the by.... so it is NOT common at all). Nonetheless, they are trying to collect on a $300 and change principal, and with interest c
  6. Finch v. LVNV FUNDING LLC, Md: Court of Special Appeals 2013 Default judgments were entered against each appellant. Appellants thereafter filed a class action in the circuit court, alleging that LVNV was not licensed as a collection agency, as required by Maryland law, when it obtained the underlying district court judgments. Appellants sought to represent a class comprised of all persons against whom LVNV had obtained a judgment for an alleged debt in Maryland state courts during the period of time in which LVNV was unlicensed. The class action complaint asserted five claims. Appell
  7. Hi all, I was hoping for some Suze Orman style guidance I'm a 26 year old post grad NYC'er that happened to make some poor decisions when I was younger. Now, I'm in a stable job and really trying hard to rectify my past mistakes. My credit score via myfico (Equifax) currently sits at 634. I currently have the following: 1x Gap card, 30% utilized, 100% on time payments, opened March 2008 = $300/1500 1x CapOne card, 100% utilized, 100% on time payments, opened Nov 2011 = $1500/1500 (a payment of approx ~$1000 will hit anyday now, bringing it down to 33% utilized) 3x AES Stude
  8. I received a letter about a debt that was "charged off" by HSBC in 2008. It says: Please be advised that LVNV Funding LLC, the current creditor/debt purchaser, has purchased the account referenced above. The account has been placed with Allied Interstate LCC to recover the above referenced amount due. Then they go into this settlement offer - they will take less than a third to settle, blah blah blah. Then at the end it says: The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC will not sue you for it. If you do not pay the de
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