Confused on how to proceed

Jun 172010
 

My husband has just discovered a collection on his credit record, which completely caught us off guard.

 

The OC was Qwest.  We had cancelled a phone account (home phone, not cell!).  A few months after our cancellation, we received a late notice for around $98 because they HADN’T deactivated the account as agreed, and continued to charge us monthly fees.

 

My husband called and told them that we had cancelled, and that we didn’t owe the money.  They said they had no record of the cancellation or the phone call to cancel.  Nothing happened after that.  We never received another bill, and never received a collection notice.

 

Then, all of a sudden, Allied Interstate starts calling.  We originally thought they were marketers.  I took one of their calls and asked them what they wanted, and they asked me to confirm our address.  I don’t give out personal information (especially without knowing what it was about) and refused.  She wouldn’t tell me why she was calling.  Allied has never left us a single message, so we have been completely in the dark about this being a problem.

 

Turns out, they are collecting the $98 that Qwest said we had owed.  And now it’s on our credit report.  And I’m angry because we would have paid it if we had KNOWN it was going to collections, even though we shouldn’t have had to pay it.

 

Our problem:  how do we fix it?  My husband doesn’t have our original cancellation confirmation number from Qwest at this point, or any other documentation to support our claims.  My husband honestly should have followed up to make sure the matter was resolved, but we assumed we’d be notified if Qwest was going to pursue it.

 

We could ask the CA to verify, and I’m sure they can verify the debt.  We know what they’re trying to collect.  We’re more than willing to do a PFD to have it removed from the report, but I’m skeptical they’ll accept (it’s only $98, so they probably aren’t as motivated as we’d like).  We don’t want this on our credit, because it was Qwest’s error to begin with.  My husband is going to try to do a PFD, but what’s our best course of action if that fails? 

 

 

PFD failed what next

Jan 272010
 

I have a chargeoff from Sears, chargeoff date is April 06 which is the only info on the credit report.  Not sure when the last payment was paid as this is not listed on CR and i know in my state the SOL is 5 years.    The CA is LVNV, who was using Allied Interstate to collect.  I sent a PFD letter in a settlement amount to LVNV.  i believe they have changed their name to Resurgent Capital services, because I received a computer generated letter stating they own the debt as validation.  However, the fine print states I have 30 days to dispute the debt.

 

Should my next step be to request DV?  what if I am not outside the SOL and they take action, I have heard this company is a bulldog.  Can I send a follow-up letter for PFD for full payment.

 

Please help as I want this gone and out of my hair.

 

Omega

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