CC Success??

Icesgirl · #1 10-20-2004, 11:38 PM

About a year ago Ice put together a VoD for me, in regards to a CC. The claim for the alleged debt was about $1,500.00. The VoD was sent to an attorney representing a company that had purchased the account.

Earlier this morning my credit was checked by CMB in Chicago ... nothing there but a few small medical bills ( which shouldn't even be there and will be dealt with appropriately ). Not one word about the alleged debt for the CC.

Every now and then the company ( not their attorney ) will send a "statement" ( another offer to contract ), with an offer to settle for a lesser amount. These "offers" are ignored.

And still, the alleged debt is not being reported to the CRA's. And, I never once had to contact the CRA's.

How do ya like them apples?

Icesgirl

suijuris · #2 10-20-2004, 11:44 PM

Those apples sound real good...

Ice · #3 10-20-2004, 11:56 PM

What I've really found curious about this is that the new "offers" come in, ARE IGNORED, and they do not react as though we have some how "agreed" that the debt is "valid". You know how they do, " ... if you do not dispute ... we assume the debt is valid ... " kind of thing. Not once have they pulled that crap.

I've been thinking 'bout maybe doing something about the blatant violation of FDCPA with these infrequent attempts to collect the unverified debt. But, no harm is actually being done except for the infrequent, but still annoying, letters.

You all know that I am a skeptic to the end. I view nothing as a success without something DOCUMENTED to PROVE success. In this case, the proof would be their admission that the debt is discharged or no longer exists. Unfortunately, all we can report is that the alleged debt is no longer reported to the CRA's ( I guess kudos are in order for the attorney that understood the VoD and had the honor to abide by the law in this instance ).

Ice

gregtu · #4 10-21-2004, 06:00 AM

With their new attempts, I would contact the United Postal Service, Post Master General for mail fraud!!! Bet that would do it.

rushpat · #5 10-21-2004, 06:45 AM

Ice: did you say the words "attorney" and "honor" in the same sentence?

gregtu: do you have the reference number in the USC for mail fraud?

gregtu · #6 10-21-2004, 07:17 AM

rushpat,

TITLE 18 > PART I > CHAPTER 63 > § 1341 Prev | Next

§ 1341. Frauds and swindles

Release date: 2004-08-06

Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation affects a financial institution, such person shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.

Ice · #7 10-21-2004, 09:34 AM

rushpat,

Yes, I did. Now you understand why I am so perplexed.

Ice

Jerseee · #8 10-21-2004, 10:02 AM

Congrats!!

dalrex · #9 10-21-2004, 10:15 AM

First, let me say congrats

Forgive me, but I just want to play devil's advocate for a moment... Could the CCC or attorney have just "dropped" the intimidation and pressure tactics because it isn't a large enough money maker for them? I wonder if it would be the same outcome with a 15,000.00 credit card? Hopefully, as that is closer to the alleged amount(s) that I am currently working on...

DR

jafco13 · #10 11-09-2004, 06:40 PM

I went to the pretrial, I stated I neither deny nor admit the debt and got my trial date. My date was November 8, this past Monday. I had all my proverbial ducks in a row and even found some dirt that I could use if I needed (the debtorney's office has been involved in fraudulent debt collection in previous years) and then I thought to myself about the pretrial. I had better call about the trial just as I did about the pretrial. I spoke with the judge's JA who told me the debtorney/plaintiff's office had called to tell her to take them off the books they had decided to dismiss the case. (DOUBLE TAKE)
Well, to CMA, I will be going to the courthouse to check the file and make sure I get a certified copy of the order to dismiss, see if it is with or without prejudice and make certain that file is CLOSED! :-)
Thanks to EVERYONE here for all the help and support, encouragement, AND paperwork necessary to carry on to success.