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Posted: Sat Jan 28, 2006 8:39 am Subject:

CMRRR is Certified Mail with Return Receipt Requested.

Posted: Sun Jan 29, 2006 4:52 am Subject: LTD

Kind of sounds like a case of Offshoring gone bad. I would call Dell and tell them whats going on. I am sure Dell would not appreciate the bad publicity this company is causing them.

Problem is many Indian companies hire inexperienced employees who just do not understand how things work here. These offshore companies misrepresent themselvs and hire cheap employees to save on cost who do not know what they are doing.

I would definetly alert Dell or whatever US based company chose to Offshore to them and send them a formal complaint as well as issuing a complaint with both the FTC and your States Attouneys office. You may even consider a law suit.

tania alvarez · Posted: Sat Feb 04, 2006 7:51 am Subject: ltd 77074 and check 795 of 435.56

LTD 77074 told my husband to send 500 dollars by western union or go to deposit fast 500 dollars in their account in BANK ONE.they(ltd 77074) was screaming with him,they told him if he dont put this money he goes to be arrest.my husband told the outlaws he couldnt pay 500,00.they told him he can pay 435.56.MY husband hang up and ask me for their phone number.i did a mistake and gave him the telephone of NATIONAL financial systems,inc and he just had finish paid them.I TOLD MY HUSBAND WAS THE WRONG NUMBER and i'm sorry with excuse me was not enough to stop them. National financial systems,inc deposit this check many times ,ventus capital services and COLLECTCORP collection agency just want to participate of this event of robbery and abuse and send letters with the amount of 435.56.

tania alvarez · Posted: Sun Feb 05, 2006 9:42 am Subject: check 739 is a very serious problem

i just find a serious problem here.very serious and i dont know what to say.check serial number 739 -amount 150,00-5-12-05 stop payment request.date 5-20-05 check 739 and action take returned and fee charged 30,00 for insufficient funds and this papers have no name,i assume ltd deposit the check 739 . a letter of citybank:stop payment service "in accordance with your instructions of 6-2-05 at 10-32,we have placed a stop payment based upon the following request furnished by you.the check serial number was 739,the amount was 150 dollars,the date was 5-07-05.the payee was national financial systems and the reason was change.stop payment remain in effect until 12/02/05. it is a lie the stop payment was in5=12-05 and not 6-02-05 (i have letter here ).i dont want to believe it!citybank deposit the check 739 em 5-7-05 and this account past sol of citibank we had paid already to national financial systems.citibank is responsable for deposit this check and i have proof here.the other check of 435.56 that my husband gave by mistake to financial systems was deposited many times too.they use the same check 739 that gave a stop to ltd again in july for national financial systems ,inc for pay a citybank a visa past sol that was paid already and they saw that was easy robber a person that make a mistake of 435.56 and is blind. is not him that make a mistake was me.i only switch phone numbers with ltd and financial systems,the problem my English is bad,but i' m not stupid.all these people are guilt and ltd is like them .

tania alvarez · Posted: Mon Feb 06, 2006 10:20 am Subject: ltd 77074 lost check 739 and 795

ltd 77074 lost a check 739 and 795 and the 1300,00 from a transfer from discover card.ltd 77074 did a mistake and uses another account number and discover cancelate a transfer.my husband gave already 7 checks of 150.00 to ltd 77074 from his social security disability .ltd promissed to arrest him if he dont dont make a check fast for 435.56.Did you remember ltd 77074?

JenniH · Posted: Wed Feb 08, 2006 1:42 pm Subject: Un-flippin-believable!

I was recently attempting to reconcile some bank statements and couldn't figure out why my check book and my accounts were consistantly $50 different.

I went through the statement and check book, entry by entry till I found it. Check number 16 in the amount of $50. So I went back and for the past 16 months LTD Financial has been sending checks to my bank for $50. I didn't authorize these transactions. Half the information on the check is incorrect.

At this point, LTD is refusing to return my phone calls, and my bank is saying they'll only go back 60 days. There is nothing on my credit report from the company these people are collecting for, nor is there anything from LTD themselves on my credit report. (I have a copy from all three reporting agencies)

This company is an awful company. I've lost $800 to them for a debt I don't owe.

Posted: Wed Feb 08, 2006 2:03 pm Subject:

Jennie,

File your complaint with FTC, BBB and AG's office in your state. And ask your bank if they can stop this kind of debiting in future.

Another thing jennie, you are saying that you never authorized them to debit your account, then how did they get your bank account information? Did you ever have any deal with them?

Beyond Irate · Posted: Thu Feb 09, 2006 9:56 am Subject: LTD aka Dell Financial Services

I received a msg asking me to call the infamous 800-718-3583 number. I searched and found this site. The call was in error because I owe nothing and have a spotless credit history, nor have I ever had anything to do with Dell. Turns out it was in regard to a dirt bag with the same last name that I had been harassed over by another collection agency not long ago receiving calls at 6am and 11pm. After strongly worded calls to company management for them to cease and desist, my phone number was removed from their file and I received no further calls. Looks like the debt was sold and somehow my number was once again associated with this dirt bag. What can I do to prevent this from happening over and over again?? I resent having to waste my time "fixing" a problem caused through no fault of my own.

Posted: Thu Feb 09, 2006 11:02 am Subject:

Lots of people come across this type of situation everyday. Sending cease and desist letter could be the best policy, but I doubt if they will honor it. Still it will give the process a legal shape.

When they call again, strongly ask for the supervisor, as you did with the previous CA.

Since the same mistake is taking place again and again, consider changing your number if possible.

JenniH · Posted: Thu Feb 09, 2006 3:05 pm Subject: How did they do that?

I had dealings with this company. The short side of the story is that the company they were contracted by broke a contract we had. My husband and I refused to pay on the contract because of the breach.

During the process of dealing with the first company, they sent our account to collections, along with all the bank information.

The first time we dealt with LTD, they demanded that we pay the bill. We told them that for several reasons, we didn't owe it. They told us they had our bank information and they would start debiting our account. We told them if they did, we would sue.

The first time they debited our account was almost two years after that conversation. We contacted their office a few days ago and told them we were going to sue them because of what they have done. We have contacted the BBB, the AG of the State of Texas, and an attorney. The attorney we contacted has already sent them a letter to immediately cease the withdrawing of money from our account.

Since a few days ago when I contacted them (LTD) I have received over 30 calls from them demanding payments.

Police reports have been filed. This company uses awful tactics to try to collect on debts that are considered zombie debts, or "uncollectable". These people use any method possible (even resorting to illegal means) to get money that, in many cases, they aren't even owed.

JasonCitius

After I had proven to LTD the debt was due to ID theft, they subsequently resold my account to two collection agencies RMS in St. Louis (May 2005) and GACC in TX (Jan 2006). This has got to be against the law.

JasonCitius · Posted: Fri Feb 10, 2006 9:33 am Subject:

After calling LTD about this one of their "Supervisers" said that's how it works...

JasonCitius · Posted: Fri Feb 10, 2006 9:34 am Subject:

Is this practice of selling ID Fraud accounts legal? Anything I can do about this? Please help....

Email deleted as per forum rules-Denny

Posted: Fri Feb 10, 2006 10:02 am Subject:

Jason,

Selling debts that were incurred fraudulently is not righteous. But you should have performed the precautionary steps that one should take when ID theft occurs. It helps you to keep your credit clean and safe. Have you done all these?

If you state collectors that the debt they were collecting was due to an ID fraud, they will not believe this. So you have to show enough evidences. Also you need to place a fraud alert on your credit report by contacting credit bureaus. Check it here-

http://www.debtconsolidationcare.com/forums/lost-wallet.html

JasonCitius · Posted: Mon Feb 13, 2006 8:38 am Subject:

Stanley,

Thanks for the info. I believe I've done all of this. When I was notified by the collectors the first time; I filed a report with my local Police Department. Cleared the account with the original creditor. They even issued me a letter saying I'm exhonerated. I then called all three credit agencies and put alerts on my account.

When I sent all these information to LTD; they stopped harassing me for 3 years... Until of course they sold the account to someone else. When I cleared with the new collector; LTD sold the account again to another collector after 6 months.

Posted: Mon Feb 13, 2006 10:58 am Subject:

Then it's clearly a bad intention on their part. They purposefully sold your account to some other agency. They are not supposed to do it. Contact your new collector and tell them what LTD has been doing with you for years.

Also consult a lawyer to know how to get it solved. I think you can file suit with small claim court and demand compensation for the inconvenience caused. Keep us posted on this matter.

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