good news!!!!

[jjgross]

I just got my dispute back from tu 6 out 7 deleted,now here's the kicker wama/prov/chase has updated as derog paid or paying as agreed.They also sent me a letter to reaffirm the liability or fraud now this was discharged in a bk 7 and charged off to afs in Chicago also the payment history is listed paid until the charge off and sold to afs then wama start listing it as late after selling to afs.how in the hell can i address as it makes no sense

[jjgross]

Originally Posted by jjgross

I just got my dispute back from tu 6 out 7 deleted,now here's the kicker wama/prov/chase has updated as derog paid or paying as agreed.They also sent me a letter to reaffirm the liability or fraud now this was discharged in a bk 7 and charged off to afs in Chicago also the payment history is listed paid until the charge off and sold to afs then wama start listing it as late after selling to afs.how in the hell can i address as it makes no sense

Any thoughts on this?

[Trish]

Originally Posted by jjgross

I just got my dispute back from tu 6 out 7 deleted,now here's the kicker wama/prov/chase has updated as derog paid or paying as agreed.They also sent me a letter to reaffirm the liability or fraud now this was discharged in a bk 7 and charged off to afs in Chicago also the payment history is listed paid until the charge off and sold to afs then wama start listing it as late after selling to afs.how in the hell can i address as it makes no sense

6 out of 7 is awesome! :D

Ok, let me see if I understand this..... Wamu is a CO that was included in your BK? Do you mean that it shows lates AFTER it was sold/CO?? That's WAY illegal..... Is it showing a balance due? You know what.....better yet, will you post how it's reporting so I can see?

[jjgross]

Originally Posted by Trish

6 out of 7 is awesome! :D

Ok, let me see if I understand this..... Wamu is a CO that was included in your BK? Do you mean that it shows lates AFTER it was sold/CO?? That's WAY illegal..... Is it showing a balance due? You know what.....better yet, will you post how it's reporting so I can see?

yes the history is such.It was paid until may of 2006 current then charged of sold to afs,i paid afs in june,july,august.wama/chase is reporting it as those three as late in their payment.Now there reporting as paid or agreeing to paid.still neg,my believe is if its paid it should be positive.Its not showing a balance,when i called they said it's a closed account however the person worked in the closed account dept and could not give me any information.They sent a a letter wanting me to reaffirm the liability just last week.And we wonder why they need a bailout.

[Trish]

Hmmm.......ok. yeah. That doesn't sound right.
Just to make sure, will you post the acct(s) exactly the way they look on your CR so I can see?

Then maybe we can figure out a good letter to send them.

*if you don't want to post it you can even PM me.

[jjgross]

Originally Posted by Trish

Hmmm.......ok. yeah. That doesn't sound right.
Just to make sure, will you post the acct(s) exactly the way they look on your CR so I can see?

Then maybe we can figure out a good letter to send them.

*if you don't want to post it you can even PM me.

I was trying to remember how to do it.

[Trish]

Whenever you can..... no worries

If you have an online CR.....just cut and paste it.

[jjgross]

Originally Posted by Trish

Whenever you can..... no worries

If you have an online CR.....just cut and paste it.

OK here it goes.
Balance $0
high balance $2463
Credit limit $2045
Pay status paid or paying as agreed
Date verify 3/2009
Account type revolving
Open 09/2002
closed 06/2006
date paid 05/2006
Account closed by consumer
No mention of bk or payment program.
trish this is the 3rd dispute and they still haven't got it right.
Bombay bob just don't listen.

[Trish]

Originally Posted by jjgross

OK here it goes.
Balance $0
high balance $2463
Credit limit $2045
Pay status paid or paying as agreed
Date verify 3/2009
Account type revolving
Open 09/2002
closed 06/2006
date paid 05/2006
Account closed by consumer
No mention of bk or payment program.
trish this is the 3rd dispute and they still haven't got it right.
Bombay bob just don't listen.

So, it looks like there are SEVERAL inaccuracies.
If you have disputed this 3 times (did you do it regular mail? CM?) with no luck.
Now it's time to send them a debt verification letter. (I think you should use the second letter in that post since you want the wording to be somewhat strong.......plus you want them to know you have tried disputing this with NO resolution)
I would also add somewhere in there that they are currently in violation of the BK courts AND the FCBA.......and if you do not receive satisfaction that you will be seeking legal counsel.

Hopefully it will not come to that......but they ARE in violation.......and you could very well sue them for not reporting this correctly. I think by pushing it and send them a suggestive letter......they will listen to you.

[jjgross]

Originally Posted by Trish

So, it looks like there are SEVERAL inaccuracies.
If you have disputed this 3 times (did you do it regular mail? CM?) with no luck.
Now it's time to send them a debt verification letter. (I think you should use the second letter in that post since you want the wording to be somewhat strong.......plus you want them to know you have tried disputing this with NO resolution)
I would also add somewhere in there that they are currently in violation of the BK courts AND the FCBA.......and if you do not receive satisfaction that you will be seeking legal counsel. I should dv the oc right.How can they do a hard pull and miss the bk?

Hopefully it will not come to that......but they ARE in violation.......and you could very well sue them for not reporting this correctly. I think by pushing it and send them a suggestive letter......they will listen to you.

I did it on line,the first 2 times it was just verified the last time chase who bought it sent me a letter with a attempt to reaffirm the liability of the debt which i believe is a first step to attempting to collecting a debt i may be wrong on that.They didn't show at the 341 meeting so they lost their chance plus i wouldn't do that anyway.The person who sent the letter signed it or typed it.Plus it show read chapter 7 bk.