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Found 1 result

  1. Hello all, I bought a computer 1/09/08, many delinquent payments but paid in full balance on 10/11/08. Realize now that I must have had a late payment fee since paid by check written on that date (going from NYC to Texas) which was the due date on the account vs enough time for check to get there. Lots of late fees (15) since 2/06 (when I opened account) and one returned check on my account... new purchases on account (don't know who made these, a norton antivirus and a memory stick) in Jan, 09 totalling $181... With fees, now $429 charged off in Sept 2009...... I believe that this would normally age off on Oct 2013 or Feb 2014 and I think that late fees were credited by Dell to re-age account after last payment. Regardless, none of three CRA's will budge on this one despite disputes...and they have the Oct 2008 payment and charges to account in Jan 2009 and charge off in Sept 2009. Regardless, does dating go to Oct. 2008 of last payment or Feb 2009 of first set of new delinquencies???? there were no payments made since Oct 11, 2008 but I believe that account may have had late fees after that payment keeping account past due... does NYS purge law apply since a payment was made and if so, is it so only if a balance was carried after last payment on an old charge balance? trying to get records from Dell which is a mouse, they have now promised to send them and I will see if they re-aged a/c by removing balance of interest and late charges incurred after Oct 11/2008 payment...Summary of the a/c (with no dates) shows a credit towards a late fee and interest, interesting... do new charges on a re-aged -0- account restart the aging of the date of first delinquency which, by all accounts, was usually delinquent? this account is haunting me... and the CRA's, even TU, won't budge. I must be missing something...HELP!!! thanks anyone who can help,,, Liz WEBBANK/DFS Potentially Negative Closed 800-283-2210 1 DELL WAY ROUND ROCK, TX 78682 Account Name WEBBANK/DFS DFS/WEBBANK DFS/WEBBANK Account # 687945012904458XXXX 687945012904458XXXX 8794501290XXXX Account Type Charge Account Revolving or Option Revolving account Balance $429.00 $429.00 $429.00 Date Opened 2/1/2006 2/1/2006 2/16/2006 Account Status Closed Closed Closed Mo. Payment $0.00 Close Account Details Past Due $429.00 $429.00 $429.00 Payment Status Charge-off Bad debt & placed for collection & skip Charged off as bad debt High Balance $429.00 $1,410.00 Limit $3,000.00 $3,000.00 Terms Revolving Comments Credit line closed-grantor request-reported by subscriber CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Canceled by credit grantor
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