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minglejill

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

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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.

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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!

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