Has anyone had any PFD success with Credit Solutions Corp?

Sep 022010
 

Hi all I was wondering if anyone has had any success with this CA.  The orignal creditor was Continental Finance and it was charged off in 2007.  The CA is Credit Solutions Corp.  I tried to DV but they did a hard pull on my TU report in JAN 09 since then I did nothing because I wanted the inquiry to fall off in JAN.  After the DV in 09 I did try to send a PFD with no success, All they did was update report, so I was scared to do anything else.  its not due to fall off untill 2013 but I was looking for suggestions I would really like it off my EQ report because its my only CA left I need removed.  Any advice would be helpful, Thanks

I need some help. Not sure what to do or how much time I have

Jul 202010
 

This is a little long and I apologize

 

On Friday I received a call to my cell phone regarding my husband (Who is currently on deployment ) When I answered the woman said:

 

“This is the legal department I will now transfer you to a rep regarding your case”

 

Curious as to what she was talking about I was put through to a “Scott Stone”  he then proceeded to tell me that legal action was going to be taken against my husband regarding an account from 2006 that was a charge off from Continental Fiance/First Bank of Delaware. He said they wanted to know if anyone would be home to serve the papers.

 

As he was talking I pulled up my husbands report through our bank monitoring service and was able to review all 3 reports and the only thing listed regarding this debt was the actual charge off for $505 from the card company.  There was nothing else regarding this debt and no inquirers from any companies except for those we authorized.

 

I asked him what the name of his company was 3 times before he finally told me WC Group. I told him that I did not hold power of attorney (a lie I know but I didn’t want to deal with him over the phone as that is a no-no and something wasn’t right) And never to call my phone again he is more than welcome to send correspondence. He continued to tell me the balance was $1937.28 and that they would knock it down to $1391.46 and break it into 5 payments and stop all court proceedings.

 

I said good day and hung up.

 

I started with the our counties court clerk for our home state in IL to see if there were any pending cases I was told no so I then checked the county and state in which we are stationed in and they said nothing had been filed and there is also nothing pending.

 

I then called Continental Finance and they gave me the number of who was handling the charge off. That number brought me to another and finally another (I didn’t call the last company yet)

 

I began researching the name and it was hard to find anything so I tried the phone number and came up with pages of people saying these people were trying to scam. Most of them were from 1800 notes but everyone was saying the same thing. They call someone from the “legal” department puts them through and same story as I have up there.

 

Today I did receive a letter from “Scott Stone”  The name of the company Says

WC GROUP

27315 Jefferson Ave Ste J-109

Temecula CA 92590

866-333-4149

 

On the letter he does have the correct account number for First Bank Of Delaware and the amounts he told me over the phone. It says that the payment plan needs to begin by Aug 31st or they would stop the “hold” that they have on serving the papers.

 

 

What should be my next step? Where should I go with this? Should I continue to call and see who owns the account when nothing is listed on his credit report? I am working on paying a few things off and was starting with the smaller ones and got them removed as well with PFD.  Do I DV this Scott Stone person or send a PFD to Continental even though it is a charge off and see what they will do, if anything?

 

I know by law a soldier can not be served with court papers at their home and all proceedings have to be placed on hold until the soldier can be present. But as I said I have not been able to find anything pending against him and they did say they were ready to serve the papers.

 

Any help would be appreciated.

 

 

*****I can not find a website or anything on these people and the email listed on this paper is [email protected]

What kind of email is that? I wish I could find more information on this company.

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Mar 082010
 

So far this is my journey:

 

-After several GW I decided to let my old Capital One charge off to age, it’s from 2005 so I guess it’s not hurting my score THAT much.

- CMI (2 paid collections, 1 balance of 178 havent send PFD, will do when funds are available)

- CCA sent DV, they validated, sending PFDsbut they won’t budge

- Continental Credit (2 personal loans paid in full in time, 1 charge off of 89 dlls, they just won’t PFD, I have sent like 4 PFD they won’t accept)

-NCA  sent DV back in November, deleted from 3  CRAs

- Enhanced Recovery sent DV back in November, deleted from 3 CRAs

- CCS collecting 189 for Progressive, paid directly to Progressive, they reactivated my policy and CCS deleted from all CRAs

 Now the most troublesome:

- Trident Asset Mgmt: Sent DV, waited 45 days, sent DV again, waited 45 days, after no response, disputed with 3 CRAs, they all came back “validated” WTF???

- Certegy sent DV 30 days ago, will wait to follow through…

 

Any advices on what to do with the so called “validation” from CRAs? I tried filling a complaint with the BBB but they responded a few days later saying “That they regret to informe me that the BBB wont be able to help me  cause my complain falls out the BBB Scope”

 

Any advice on what should I do next???