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Ridiculous · Posted: Thu Oct 13, 2005 5:58 pm Subject:

I have 6 logs on my caller ID from the times of 5:00pm to the current 6:00pm from this 800-718-3583 number. Six calls, and no messages. To me, this is clearly harrassment. I have missed ONE payment of $35 to Dell this month, simply because I lost the statement. The current payment with past due is in the mail, yet collections is already calling me.

I'm a busy college student who works from home, and I receive business calls left and right. This woman who left the first, and only, message came across as rash, arrogant, pissy, and on top of it, did not even tell me WHO she was calling for and why. I have no reason to call back someone who does not tell me their business, especially when I get 15 messages a day for work.

sickof LTD · Posted: Thu Oct 20, 2005 11:03 am Subject: LTD Financial Services

What is the worst thing LTD has done to anyone, they are trying to say I owe 3 times more than I even financed from Dell and I thought my debt was paid off. I am not sure what to do, I cannot get them to give me any of the records, plus they are discussing my account with anyone I have call them with my account number!! HELP!

Posted: Thu Oct 20, 2005 4:50 pm Subject:

To know more about the business activities of LTD Financial, please browse through this forum. You will get unique experiences of each consumer with this company.

Ask LTD financial to validate your debt showing the proper distribution of the amount. This will help you to know more accurately about it.

Moreover, it is not legal to discuss your debt with any other person except to locate you. You might think of taking legal actions against them for this reason.

Regards
Roxette

SickofLTD · Posted: Mon Oct 24, 2005 9:59 am Subject: Thank You

What would you suggest if this guy threatend to come to my house!!?? Is there a formal place to complain?

Posted: Mon Oct 24, 2005 5:12 pm Subject:

Threatening to pay the debt without genuine reasons is a violating of the FDCPA law. You should file your complaints at the FTC, BBB and the attorney general office in your state.

Maryam · Posted: Wed Oct 26, 2005 8:28 am Subject:

Neither I nor my husband has ever purchased anything from Dell, and LTD called our home today talking about "Dell Financial Services" filing a suit against him for "stolen goods." Hmm. This is really, really sketchy. We don't owe Dell anything, we're Sony people Razz

Posted: Wed Oct 26, 2005 3:00 pm Subject:

Maryam,

Have you sent a cease and desist letter to LTD financial. If they call after receiving your letter, you can sue them as per the FDCPA law.

Send your letter certified with return receipt requested. You will have a proof of them receiving your letter.

LTwho? · Posted: Wed Nov 02, 2005 9:49 pm Subject:

LTD left a message with me today, and when i called them back the woman asked for my ss# to "verify it was me". I of course told her no and I asked what this was all for. She said she could not tell me the information unless i gave her my ss# so that she could verify if it was me. I finally got out of her that it was about a dell payment or some garbage. I build my own PCs, i dont even own a dell! Eh whatever, i reported the number to my local BBB since they asked several times for my ss# even after I told the lady she had the wrong number, I DONT OWN A DELL.

Posted: Thu Nov 03, 2005 11:03 am Subject:

LTwho?

If they continue calling you, ask them to validate the debt. You can also request for debt validation through mail. All your correspondence should be sent through certified mail.

If they fail to validate the debt, you need not pay the amount and as you have said that you do not have any dell account, I think they would not be able to cross the first huddle!

impatientlywaiting · Posted: Sat Dec 03, 2005 2:41 pm Subject:

I had been dealing with them for most of this year. They started calling in December when I was unemployed. I told them I was starting a new job and told them the exact date I'd be starting. When I started the job in January, I started getting calls from them again with them refusing to cooperate and come up with a reasonable payment schedule.

In April my account was given to Lupe @ ext 6285. We came up with an agreeable payment schdule and I made all the payments with the final payment going through on 6/4/05. I was told I'd receive a zero balance letter within 6 weeks. 2 months later no letter. I call again and am told by Lupe that they will process a new one and it could take 6 weeks again. 2 months later, still no letter. According to my credit report, the account is still outstanding. I disputed the information on my credit report but it came back as valid so I don't know what LTD has done here.

Any ideas what I should do next?

-Keith
Orlando, FL

Posted: Mon Dec 05, 2005 5:21 pm Subject:

Keith

You need to take legal help of your attorney at this point. Since you have made the complete payment and the company is not updating your accounts, you need to take actions and make sure that the money was actually sent to your debt account.

Hope you get positive results. Good Luck!

tania alvarez · Posted: Fri Dec 23, 2005 11:57 am Subject: ltd old mistakes

i just find a lot of paper here,from ltd 77074,go to dig now,their old mistakes.tell me rouxette,with law give them rights ,to tell my husband lies and take from his disability check a 150 dollars,by law!!!???i have all paper that they send to us,that begins like this:"in accordance with public law 95-109,this is a notification that your check dated 12-07-2004 in the account of 150,00 will be deposit on that date.ltd is a collection agency.this is an attempt to collect a debt...i have these letters of here more or less 10 differents dates to 2004 to 2005,i never cut my old papers,i like to dig old mistakes.please rouxette,explain to me if the law protects this people to lie and abuses people that have no condictions of defense.i feel so sorry that i cannot give you a number of their account in bank one,because i didnt understand what he writes on the paper,i feel very sorry because they dont go to received any donation in this christmas,GOD BLESS YOU
ROXETTE AND ALL PEOPLE OF DEBT CONSOLIDATION.

tania alvarez · Posted: Fri Dec 23, 2005 12:10 pm Subject: ltd 77074 mistakes

the worst thing about i forget to tell you ,they put the letters in my name,because they are very smart people .i dont have this debit and my husband told me,he didnt understand,why his pay so much this old account,he dont remember.our equifax is clean.

Posted: Fri Dec 23, 2005 1:12 pm Subject:

tania,

Collection agencies are not allowed to lie and abuse consumers. If they do, it will be considered a violation of FDCPA. In that case you can file complaint with FTC, BBB or attorney general office of your state.

Another important thing is that disability check cannot be garnished without legal papers. So consult an attorney with this issue. Hope it helps.

tania alvarez · Posted: Fri Dec 23, 2005 1:36 pm Subject: thanks bryran

thanks bryran,for open other door for me and others that have the some problem.thanks ,thanksssss!!!

Posted: Fri Dec 23, 2005 3:54 pm Subject:

Hi Tania,

I am so sorry to keep you waiting for quite some time. There is no such law that states that accounts have to be misrepresented while attempting collections. LTD does these types of activities quite often and that is why they are among the worst collection agencies in the industry.

Apart from consulting your attorney who will guide you on how to deal with this company, you need to place each of the items on dispute that you have from them. I am sure there are legal ways of handing these situations. The federal laws are there to protect us from such agencies that make money by misrepresenting the accounts. God is still there with us and he will take care of you, your husband and all of us who are falling in the wrong hands.

Never let these activities go unreported to the state authorities. Send a written letter to the local attorney general's office in your area as well as the BBB. They have to take the actions fast so that a lot of people can be saved from being financially hurt.
Tania, you are in my prayers.

Regards
Roxette

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