I have flushed out the Scums and leeches, need advice

[JohnWilkers]

As some of you, I have achieved tremendous amount of success here from help of many. I cant thank them enough.

 

Now, my FICO is at 795 and no baddies. I have 2 leaches (CA) chasing me.

 

#1 problem stands is with RPM, I owed Tmobile, due to ETF, and handset partial subsidy and they shut off my phone and continue to add monthly charges while they shut off my monthly services. CA says the balance is $3200.

I get a call from RPM, and with usual blah blah, intimidation, rudeness... I kept my cool and welcomed her call, and was very polite, she got more upset because I was not rattled up by the skank. I asked her to mail me a letter, she kept saying "I am going to note the account no payment made" I kept saying mail me a letter, she responded "The letter was mailed beginning of the month". I received a letter a day after I spoke to her, and it was dated a day earlier than her call.

 

-I have written DV letter, should I mail (certif and RR) it right away or wait a week before my 30 days respond time?

-They have not reported to CRA and she made sure to point this out to me.

- The Debt is approx. 2 years old. I am bit confused Federal guideline I read SOL is 2 years for TELECOMMUNICATION, and state is 6 Years. I have read most likely 6 years will apply.

- Do you think they bought the debt.?

- Also the address issue they wrote wrong Unit number on their letter, somehow I did receive it.

- I dont want this on my report, I will try to settle, and get a letter from them before paying they will not report to CRA, sell unpaid portion to other, or sue me.

-What amount do you think they will settle for?

 

#2 It is 12 years old debt, and another CA is trying to settle for 10%, I will DV them and send FOAD letter. They important thing was he kept saying "Are you denying this debt" repeatedly, I said I am not denying anything since I dont have a letter, send me a letter dont call me and all further communication via mail. Immediately, I get 2 mail from them on the same day. Letter 1 asking for full amount on 12 years CC debt, and 2nd letter offering 10%.

 

Thank you for reading this and helping us out.

Edited September 21, 2014 by JohnWilkers

[ubercat]

Subscribed. RPM.

[ICANHASMUNY?]

Nah, the federal 2 year SOL applies only between carriers ( yes I know the SOL for businesses is ALWAYS shorter that that for consumers. )

 

file a BBB or a PUC dispute with Tmobile for selling an invalid debt- list out all the monthly charges they added when you didn't have service.

 

In some states the Public utilities commission regulates telecommunications & phone service providers. ( google your state name + public utilities commission )

 

send a DV letter to RPM asking for a complete breakdown of all the billing charges, their fees and interest; but read the post # 277 in this thread first

 

http://creditboards.com/forums/index.php?showtopic=56494&hl=

 

once you get their statement, dispute the amounts owed, in the meantime your BBB or PUC dispute is ongoing.

 

 

# 2- 12 year old debt - did they tell you it was beyond the SOL for legal action and for credit reporting?

 

if not, Send an intent to sue letter, file a complaint with the CFPB.

 

http://creditboards.com/forums/index.php?showtopic=500863&do=findComment&comment=5087937

[JohnWilkers]

Thank you ICANHASMUNY,

 

Since I recently got a call and a letter from RPM, I dont know the breakdown. I am guessing it just cant be this high. I will now read post #277. I am sure they will tack the fees, etc, and come up with $3200. Any experience with RPM, how they will settle, since I have good credit and available line of credit showing showing on credit report, and they can sue me since I am within SOL.

 

on to #2 collection, CA did say it was from 2002 over the phone, the letters I received didnt mention any of it, just wanted to settle for 10%. You think I can still file a complaint with CFPB and send an intent to Sue at this stage?

[ICANHASMUNY?]

Thank you ICANHASMUNY,

 

Since I recently got a call and a letter from RPM, I dont know the breakdown. I am guessing it just cant be this high. I will now read post #277. I am sure they will tack the fees, etc, and come up with $3200. Any experience with RPM, how they will settle, since I have good credit and available line of credit showing showing on credit report, and they can sue me since I am within SOL.

 

that's why you file a dispute with PUC or BBB against T mobile. ,and dispute the balance with the JDB /CA asking for a breakdown.

 

on to #2 collection, CA did say it was from 2002 over the phone, the letters I received didnt mention any of it, just wanted to settle for 10%. You think I can still file a complaint with CFPB and send an intent to Sue at this stage?

 

attempting to collect on time barred debt without the SOL notice is considered deceptive in violation of the FDCPA http://creditboards.com/forums/index.php?showtopic=500863&do=findComment&comment=5087937

[JohnWilkers]

WOW, thank you so much regarding explaining the part with 2nd CA -without notice of SOL. I have no notice from them. I will do that today.

 

Also, the CA I am worried about, RPM (original creditor was Tmobile) I will go ahead with BBB and PUC, even though I am assuming the debt is sold to RPM. Per your suggestion I would file complaint about T-Mo with BBB PUC.

[ICANHASMUNY?]

does your states public utility commission regulate Phones, telecommunications ?

 

you have to review their site before filing a complaint over something they don't regulate.

send a DV to RPM disputing the amount due,

[JohnWilkers]

Will do DV to RPM. This is what I am worried about.

 

By the way #2 CA, out of SOL.

the letters I have on hand now and reread, no notice of SOL and on the bottom it say the typical disclosure "This is an attempt to collect a debt..." Will also do a DV just for fun instead of FOAD letter, and once I find out, (I already know from past credit report they are out of SOL.) from their letter, I will FOAD letter.

 

Thanks again