[seeker]

Actually, what I found was something that another member posted about ... the same card/issuer but slightly different numbers, different open dates -- very peculiar.& Many showed up that we had no knowledge of -- I think each time they sent an "offer" they opened an account.& Hence the hugh number.& We only ever used maybe four, five tops when we were in business.& Even our original mortgage company listed three accounts when there were only ever two!


Two cards went through the notarial protest/default process.& They were/are both in court now.& We have third party Default verification of their Dishonor to our presentment and subsequent offers to Cure.& We intend to move for dismissal.& If you have thoughts on this, I am open.


The third one was sold several times and is the topic of another post -- regarding lack of response to validation, but total ingnoral (is that a word?).&


Three were bargained with FRN's at .25 or less on the dollar.& This was before I even heard about the stuff you all have been doing.& I am a relative newbie.& I began studying this process in late January, I think.


The two that went to litigation were in my spouse's name as primary and they would not talk, verify, or even correspond.& Although they agreed to send written verification of proof, nothing ever came. There&were a LOT of missteps on their part in this mess, but we took the opportunity to "remedy our past mistakes", sent them the CA/VoD and gave them the opportunity to respond and cure.& They did nothing.& So we have the verified Dishonor/Default.& (One of these cards is now listed as "deleted")


When I asked the CRAs(only one, TransUnion,&has sent the "final" report so far) to validate, never in my wildest dreams did I think it would come back this "clean".& The ones that remain are "baddies" but I still have some work to do there.& I am sending a letter asking TU to provide their procedure and the names, etc of the validation.& I'll keep you posted.& I am not willing to accept what they have sent just yet.& After all, one of the cards still listed is in Dishonor by Default, another has marked the account paid, but never closed it as I requested, and two more are paid as we finally agreed.& So the game has not ended and the Fat Lady ain't sung.


Seeker