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tania alvarez

i just find a letter from ltd from june,2003:-"your account with the above named client (re:natwest fleet account )has been assign to ltd financial services,a collection agency.this is an attempt to collect a debt and any information obtained will be used for that purpose. unless you notify in 30 days after received this notice that you dispute the validity of the debit or any portion thereof,this office assume this debt is valid.,etc...i just found this letter here from june 16,2003 and they sure send to me and i didnt know nothing about this,until i find this forum,that every day teach me things and i m learning because all of you,from debt consolidation care.they begin to send letters only in january 2004 and begin to charge my husband in october 2004,after they attack us like bees,because 150 dollars from his disability check was not enough every month and they want finish fast.

tania alvarez · Posted: Wed Jan 11, 2006 9:08 am Subject: trans union report from 2003 is clean

trans union of 2003 is clean.this account disappear and i dont think i owne this people.this account is only 15 years old,the sol...thanks again .

tania alvarez

november 7,2004 and april 7,2005 didnt change the debit collector in a pre-authorized debit from citibank federal savings bank.i have a pile of letters here.pay the order of LTD FINANCIAL SERVICES 150 dollars and i have the check april 7,2005 in the name of ltd and 00000000738 is your number ltd.mark true to this line and believe is not a false line.sorry but im tired to see ltd treat people like carbage and torment them like is only a job they have to do and they really dont care about nobody.but i care about people and i hate everybody without feelings.

Guest · Posted: Wed Jan 11, 2006 10:56 am Subject: SOL

Tania, could you plz tell us when did you make your last payment to this card. I understand it is a 15 year old card. But have you made any payment to Ltd or any other company yet? SOL starts from the date of last activity in your account.

Also tell us in which state do you live? It will help to comment on this topic.

They cannot garnish disability check w/o winning a judgment against you. If they do, you can sue them according to law.

tania alvarez

i just found that i have a card from fleet national bank was a joint account and i never saw this card,but my husband have one with this number from 1991 and now i check my equifax from may 28,1998 and they said:fleet national bank that is natwest,previo us payment history;1 time 30 days late,2 times 60 day late;3 times 90 days late.previos status;9-95r5;8/95;7/95-r4 charged off account credit card.i live in the state of florida for 10 years and in my equifax this account disappear long time ago.

Posted: Wed Jan 11, 2006 2:30 pm Subject:

Tania,

If the SOL of the account has expired, no one can take legal actions against you to collect it. SOL is calculated from the date of last activity found in the account. It will be counted from the day you last paid an installment to this account.

SOL varies from state to state and the state laws where the account was opened initially are considered.

It seems from your posts that the card is past SOL, so you need not worry so much. Send LTD a cease and desist letter by CMRRR. If they continue to call you even after receiving the letter, you can file your complaint with FTC, BBB and state Attorney General's office.

Also go through this thread to understand the SOL of Florida-

http://www.debtconsolidationcare.com/forums/sol-fl.html

tania alvarez

i just found other fleet here in my name and i didnt know that.my husband was paying because he uses the cards,but is the number that ltd try to use for pay the other account.this credit account was opened in 10-05-92 and has revolving payment therms.last payment report to experian 4-8-96months review ;44.payment history9-9---9 times late;30=0,60=0,DEROG=3.PLEASE I M CONFUSED AGAIN.

tania alvarez · Posted: Wed Jan 11, 2006 3:13 pm Subject: thanks Bryran

i make a mistake above when i said about ltd try to pay is not ltd is my husband that tries to pay 1300 dollars with a discover card and they put another number different of 85092023**** and was 42418509-2023 **** and now i just found this number in my experian of 1997.

Account number deleted for your safety-Denny

tania alvarez

pay to the order of ltd financial service 150 dollars,citybank federal savings bank from a disability check of my husband,pre authorized debit from a person that is a mentally ill and blind.0000000732 is your luck number ltd and have a nice week end.

tania alvarez · Posted: Sat Jan 14, 2006 9:28 am Subject: dear people of debt consolidation care

i m so angry with this people of ltd 77074 and i want to ask GOD to bless all of you of debt consolidation care for the tremendous help you are giving all of us that are abuse because you dont know our rights.thanks is not enough to thanks all of you.

tania alvarez · Posted: Wed Jan 18, 2006 1:05 pm Subject: equifax august 4,2005

equifax -to start any investigation,please visit us at:www.investigate equifax.com
Dear tania alvarez:bellow are the results of your request for equifax to reinvestigate certs elements of your credit file.equifax contacted each source directly and our investigation is now completed.we have reviewed yours concerns and ours conclusions are:the disputed ltd financial is currently not reporting in your credit file.thank for giving equifax the opportunity to serve you."i just find this page of equifax and i didnt read it,only today i found this line and i think is very important and i go to order a equifax 2006!!!!

Posted: Wed Jan 18, 2006 1:34 pm Subject:

Hi Tania,

Welcome back Very Happy

That sounds good. Go ahead. If you find this account to appear in your report again, you can dispute it with this Equifax response in your hand. Best of luck Very Happy

shashinka

I am being called by this company at least once a month for the last 2-3 months about my sister (age over 21) who doesn't live in my household. They said she put my number on her application. I asked her if she did and she said she did not. I asked LTD to fax me the application so I could see if in fact that my number is on it and would take it up with her. The company said that I should give them her number (I don't feel I have the right to do this) and they would stop calling and that is it. I am not going to do this. My household is separate from hers and I should not be harassed if she did or did not put my number on the application. Stop calling and remove my number! I spoked with a Brandon who said he is the dept manager and then i asked for his manager (on vacation) then his (also on vacation). I even called back looking for someone not in that dept like a public relations office or something but still got to them! The person calling is Dianna.

Posted: Fri Jan 20, 2006 10:36 am Subject:

Shashinka,

Welcome to forums Very Happy

LTD Financial Services LP is a collection agency. They collect debt on behalf of other companies. It might be possible that your sister did refer your number in some other places that are now transferred to LTD.

Since you are no way connected to this debt, send them cease comm. letter. They should stop calling you once they receive this mail. Don't forget to send your mail through CMRRR. Also ask your sister to follow up this issue. It is always advisable to pay back debts if any.

shashinka

OK I asked them verbally. I will try what you're saying. Not familar with CMRRR. How do I do this?

Thanks for your help!

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