Santander Continuation

Feb 262010
 

Ok thought I had them fixed through BBB arbitration they agreed to delete, said it will appear within 30 days.  Got a letter from TU today saying the debt has been validated sent four days after the BBB resolution.  Should I wait or reopen the BBB complaint?  I’m so sick of Santander and TU at this point.  I applied and was preapproved for a mortgage my file will be going to UW next week and I have to explain this debt on my report.  I gave my LO the story and he said all I have to do is explain it and include the BBB complaint.  I just hope they don’t make me pay off an old debt from 1999 that is out of SOL.

Arrow Financial and Midland ignore DV requests – What next?

Feb 222010
 

OK…..I sent Arrow Financial Services and Midland Credit Management DV letters in November 2009. Received confirmation they received all the letters with signture confirmations. I keep getting account verified as belonging to me from the CRA’s. I understand that since the accounts are past the SOL they do not have to respond to the DV letters. But isn’t the continuation of reporting the information that has not been validated an FDCPA violation?

 

CRA’s only verify through E-Oscar. I disputed 2 accounts via internet and both came back verified in 4 days. (that was a mistake…I should of used snail mail).

 

What arsenal of weapons can I use to challenge the CA’s to prove validation? Can I force the CRA’s to perform a proper validation by mail or fax? These 2 CA’s represent some 13 accounts on my credit report. The OC’s have listed all the accounts as charge-Off’s. I contacted one major OC involved and they state I have no financial obligation to them. Balances owed were transferred to the CA. However they continue to report the accounts as charged off. Any suggestion on how to get the OC to remove the negative listing since they don’t seem to want to settle for a PFD?

 

 

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