whychat repo letter round 2 denied... now OC called me

[minglejill]

I followed whychats program. oped out, deleted addresses.

Sent first letter to OC. Waited. Sent letters to CRAs. CRA just informed me that the debt is valid.

Now I have a voice mail from OC (auto loan company) for them to call back. I called and the service states it's OC's recovery department.

I'm in Illinois, the debt is still with OC and the loan is about 5 years old.

[bmfmustang]

Out of curiosity can you reveal the OC? I have a similar situation developing.

[rybo44]

I followed whychats program. oped out, deleted addresses.

Sent first letter to OC. Waited. Sent letters to CRAs. CRA just informed me that the debt is valid.

Now I have a voice mail from OC (auto loan company) for them to call back. I called and the service states it's OC's recovery department.

I'm in Illinois, the debt is still with OC and the loan is about 5 years old.

 

I am following this program but wonder if we have a different understanding.

 

The way I understand the process:

 

1. Sent initial dispute -- wait for verification
2. Once verified, THEN fire off letter to CA/OC/Dealer
3. Wait 14 days then followup dispute if appropriate
4. Wait out results from CRA re-dispute...
5. ???
6. Profit.

My understanding stops at point 5. I imagine that if the repo remains even after the CRA reinvestigates and provided the OC/CA cant provide the repo paperwork that you open a complaint with the appropriate agency, maybe fire off a few ITS letters...Hopefully WhyChat can drop in and clear up the process. Good luck guys!

[moosetracks]

OP, you should probably PM breeze and ask her to move this to the auto forum.