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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.

hontzwirman · Posted: Fri Feb 17, 2006 2:02 pm Subject: Rethink your position

I worked with LTD for a year and a half. They were extremely proffesional, have excellent managment that goes hours of "customer service" oriented training. J.Brewster (the head honcho) is not in any way a hood. He is a born again christian, and runs his buisness with a sence of pride and dignity that any christian, muslim, jewish person or whomever would see as unsinfull. Maybe because you are in the position as the debtor, your frustrations with the mistakes you have made have caused your heart to grow hard, and your sence of right and wrong to fall astray....best wishes

brandon

hontzwireman · Posted: Fri Feb 17, 2006 2:08 pm Subject: JSA I know who advantage assets are

Advantage Assets is the name of the company that bought out your debt form the bank, or institution you didnt pay the bill to originally. Advantage Assets is most likely owned by the same owners of LTD Financial, just under another license. Advantage assets could also be a company that buys out debt, and hires collections companies to collect on it.

Posted: Fri Feb 17, 2006 2:34 pm Subject:

hontzwirman,

I appreciate your input here. Could you please go through this entire thread starting from the page 1? And please suggest some solution to those who have problems in dealing with LTD. I can tell you that one person Tania Alvarez had some serious problem with this collection agency. If you browse this thread, you can see her posts frequently.

Waiting for your response.

tania alvarez

i dont believe that you work in ltd 77074.i dont believe one word you say,brandon.if you like so much this people and think they are people really good and professional,believe me you never saw them in action OR YOU ARE LIKE THEM.i believe you like the man born cristian again (the head honchooo) and i go to tell one thing maybe the owner of the house(ltd 77074) go out always and never see what rats can do when he goes out or he is living a double life of a good samaritan or a devil.i m waiting ltd 77074 to take me and my husband to the court and i go tell you,brandon. i only fear GOD and i have papers here to proof Ltd 77074 are not professional,honest or educated.

tania alvarez

ltd people are not professional,honest ou educated.THEY ARE BARBARIANS.

tania alvarez

ltd 77074 is a wonderful agency and nobody is doing nothing wrong and is not fair what people say about them ,said brandon.believe or not me and my husband live in Florida for 10 years.the account is from NEW YORK CITY AND LAST ACTIVITY in 3-95 and they took seven checks eletronics in the total of 1050,00 of the disability check of my husband.they had scream day and night with him and make our life impossible until i see this forum.this forum(DEBT CONSOLIDATION CARE)is doing a tremendous job and had stopped all illegal transations and abusive calls.

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