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original poster · Posted: Fri Jan 18, 2008 9:47 am Subject:

Lets say it does make it on the report, I ask for validation and they cannot provide it, do they need to remove it at that time?

Lets say they can provide validation, and then I make payment arangments and pay off in full, will it then be removed from the report?

Also what is considered proper validation of a debt?

thanks

Posted: Fri Jan 18, 2008 10:21 am Subject:

It is up to you to dispute with the credit reporting bureaus.

The trade line will automatically delete after the 7 year reporting period is up, however I believe that creditors can request deletion of trade lines, most simply do not want to do it.

You can find a good template for a debt validation letter in my signature, it will give you all the information you should request.

Posted: Sun Jan 27, 2008 2:40 am Subject:

Laura.. very old post I realize but after I followed your posts...you made many statements in your previous posts here that you couldn't understand why a previous employer wouldn't hire you back...(I think you answered that question yourself when you later stated that quote..
"I am a compulsive gambler...I incurred charges on my credit card, bank accounts etc. However I never lied to cover up my the charges...I paid them and my family knew it.) Guest...I am not saying you have a habit...just face up to what you did..pay it and don't keep it from your wife. Honesty is the best policy. "

Laura you have done great things on clearing up your past..but should not question ever as to why a previous employer wouldn't have rehired you and how can you judge anyone here who has done the same as you? ..when you implied discrimination? because they didn't hire you back ?...were you still in denial regarding your gambling problem? ... just my opinion.. but your posts answered the question as far as facts are concerned....I see you are dealing with this and admitting wrong doings and are now making amends and are not here judging others since no one judged your previous faults... good for you!!!! not a personal attack at all here! just waiting for your explanation as I am sure you will provide here!

Posted: Sun Jan 27, 2008 7:49 am Subject:

I do not judge anyone..I was stating my situation and the fact I had paid back what I owed. As far as questioning a former employer for not hiring me back..my gambling never cost me a job. I gave a two-week notice and quit on my own..enough said.

guest · Posted: Sun Jan 27, 2008 9:09 am Subject:

i am not a compulsive gambler.. i just dont want to pay

Posted: Fri Feb 01, 2008 12:05 am Subject:

that's great laura and you did the right thing paying back what you owed..good for you..was not at all questioning your character..just wondered if your compulsive gambling problems led to job problems is all..take care and peace!

Posted: Sat Feb 02, 2008 3:54 pm Subject: What The?

Here's a question? If this company is illegal here in the US, why did I see a commercial for them the other night on late night TV? (Couldn't sleep, don't ask) It even gives the website URL to go to bodog.net (of course add the "www." to the front)

Can't remember what channel it was; however, I would have thought the FCC would not let them advertise on TV?

Anyone know?

Posted: Sat Feb 02, 2008 3:56 pm Subject:

I too have seen that commercial on tv and wonder how in the world they can advertise this since it is illegal now to gamble online.

Posted: Sat Feb 02, 2008 6:07 pm Subject:

If you can recall what channel it was on send it to the ftc and fcc

Posted: Sun Feb 03, 2008 2:45 am Subject:

original poster..before you pay anything..
I would at this point demand validation on debt and see who it is to and how it was coded..it can not be coded for gambling and be collected on..just from info I have read and I have asked for experts here to provide otherwise but so far haven't seen proof..I myself would not pay this illegal debt and wouldn't be intimidated with the threats from what I have seen but it is only because no one here has yet provided any links to people who have been prosecuted because I don't think they are admissible in court..yet I could be very wrong..however..don't pay unless your own personal honor system tells you you should..
from what I have researched ..on line gambling debts are illegal to process and illegal to collect on and no one here has provided link or info otherwise ...only threats from troll collectors.. if you don't pay from what I have seen

Posted: Sun Feb 03, 2008 2:48 am Subject:

p.s original poster..
proper validation of debt..if you indeed purchased on-line gambling tokens validation of the debt would state the actual purchase and name of sight where it was processed and spent ..

it will not state for instance..telephone..clothing etc...

Posted: Sun Feb 03, 2008 5:44 am Subject:

If they are collecting on what it posted for on the OP's account then they couldn't validate properly. They would have to provide documentation on these utility services (I think it was either cable or phone that he said it was coded as)

Posted: Sun Feb 03, 2008 9:39 am Subject:

Offshore telecom, IIRC. That'd play merry hell with validation.

Anon · Posted: Wed Feb 13, 2008 5:57 pm Subject: interesting

Hi all,
I was trying to figure out where a charge on my credit card came from, and via some google searches I happened upon this site (M-TLTD.COM).

After reading through the thread, my head hurts. I want to talk about the ethics of this. Initially, I almost disputed my charge, but then I realized that I had made the charge and in my mind, all was OK. I'm having trouble seeing see how disputing charges I knowingly made is good for the system (let alone legal). . . the whole system of disputing charges is AWESOME, important protection for anyone with a credit card, why is anybody supporting abuse of this system in order defraud an (albeit illegally operating) overseas company? This just seems a little bit slimy to me. Being against internet gambling is one thing, but I don't think that's what's happing here with the original poster. He's just trying to get out of paying back the money he knows he shouldn't have spent. Maybe the thought is: If we're just trying to screw those offshore folks that break our laws and try to take our cash ilegally, then we can do it both by disputing charges if we lose, and by keeping money if we win. Does that make it OK to use credit card dispute for that purpose? Am I crazy to think that abuse of this system might damage it? Or is this just another way to make a few bucks, like searching bargain websites for deals. . . am I EVIL?

Posted: Sat Feb 16, 2008 2:28 am Subject:

Monk · Posted: Wed Mar 26, 2008 7:24 pm Subject: Keep your money.

I won $70 from them but they aren't going to pay it. I'd have to fill out an ID-Theft form including drivers license and passport photocopies as well as a full front-back photo copy of the card and a pencil engraving... lol. They can keep my $20 deposit. But you should hang on to your money as well. Bodog: $90, Americans $1111. W00T!

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