how do i get out of this mess?

can you give me a copy of a letter to file with the AG?

karen, there is no letter to file with your state AG. You just file a complaint with them. You can do it on line. Well, some states you can do it on line. Other states, you get on line and have to download the complaint form, fill it out, and mail it in. Just google your state attorney general. The website should pop up. Click on it to get to the site. Look for something along the lines of "consumer protection". Click on that. Then there should be a "file a complaint" link. Click on that. Depending on what state you are in, you can file it right on line or you have to download the complaint form. Do this. Fill in all the requested information and file that complaint!

o.k i just filed a complaint with the maryland AG, should i also file one in california?

karen, good work! :D Hell, give it a shot! It's certainly not going to hurt to file a complaint with their state AG also! And, have you filed complaints with the BBB?

Look a few post up and you can see the rebuttal they gave the BBB. But I did just file complaints with the FTC, and the states attorney's office in their area. Mainly concerning all the harassing phone calls I continue to get. I don't understand. Why won't they just give me debt validation? Continuing to harass me is not going to get me to pay the bill

This is my response to Mr Reginald White at CPS. I'm quite sure he will continue to try and intimidate me, but at this point, I don't think he will have a chance to get anything out of me

Quote:

I like that.


Luke

karen, They are not going to play by the rules. If they did non of us would be in this mess. Unfortunately they maek up the rules as they go along and sometimes someone will not have a prolem with a company and others will. You are an intelligent sane rational person trying to deal with stupidity and no it will not make sense. Keep up the good work..eventually they will get the message and leave you alone. Good call on filing with their States Attorney office. I have done that with one on the advice of someone else. At this point I would file with the WWF if I thought it would help. Hope it gets better soon - Roxy

Rox-the WWF? World Wrestling Federation? Paging Hulk Hogan...we need you, stat! :)

ok i am getting nervous. my phone was way too quiet today. it only rang on time today, from an 866#, no message of course, and then, NOTHING! this is highly unusual. my phone rings at least 20 times a day from these people. is this the quiet before the storm? don't get me wrong, i am greatful it hasn't rang, i just find it very unusual

hey, can anyone tell me which pdl is backed by the first bank of delaware?

karenrbk: My phone hasn't rang at all today either!! How odd. I decided that if it did start ringing I was just going to unplugg the thing because it is for my family and not for the collection agencies!

maybe they are all on a paid vacation financed by us!

lol that is good and probably true.

just checking to see if i am finally logged in

ok....are the ca's allowed to check your credit report without your permission?

karen, someone will correct me if I am wrong. I believe that Cash Cash is backed by a bank and also Think Cash is backed by a bank. I know they are both considered "installment loans". However, someone will correct me if I am wrong. Were you wondering about one of them? As far as a collection agency checking your credit, did you find that someone checked your credit? I know of "inquiries" that are done. That's like when you apply for the pdl's or whatever and it "hits" as showing someone did an "inquiry". Is that what you're talking about? Or did you find that someone actually checked your credit?

cannr you are correct..think cash is backed by First Bank of Delaware. I have a loan with them.

lmk, thank you! :D I knew someone posted it, but couldn't remember who! And I do know that Cash Call is also. Thank you!

You're welcome girlie!!!

well cpa,aka marauder not only checked by credit report, but also placed a collection account against me. they just started calling me on monday, and have yet to give me any kind of debt validation, so how can they place a collections account on my credit report?

If this indeed is showing up on your credit report, dispute it immediately. Send your dispute to all three credit bureaus. This is unbelievable. Dispute the hell out of it.

sorry, i keep forgetting to log in first. so anyway...they placed a collections account on my credit report for the cash club vip. This was done one day after I emailed, faxed, and sent the following letter to them certified



Dear Mr.White:




This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (fdcpa), to cease all communication with me in regard to the debt referenced above. This means you are no longer permitted to contact me or my references by phone.

If you fail to heed this notice, I will file a formal complaint
against you with the Federal Trade Commission who is responsible for enforcement, the States Attorney General office and/or the American Collectors Association or local State Bar Association.

I have decided that I do not desire to work with a collection agency under any circumstances. I will contact the original creditor to resolve this matter directly, as circumstances warrant.

You are also notified that should any adverse information be placed against my credit reports as a result of this notice that appropriate actions will be taken.

Give this very important matter the attention it deserves.

Sincerely,
Karen L Garnett

NOTE: This is an attempt to make a debt collector obey the law.
Any information obtained, will be used for that purpose.

I also just received this email from the collection agency that reported me today. They still have yet to give me any proof that they own this account, that i owe money for this account, they just keep avoiding that whole situation all together!



Dear debtor:



Reginald White does not have access to email. We do run credit reports to locate debtors and establish assets, which in your case we have found are limited and will most likely result in a review many months from now to see if you have obtained any assets.



We do not accept email from debtors because debtors can not sign their emails and therefore that does not provide enough demonstrable evidence that you actually sent it.



We also do not have fax access for debtors unless we give explicit permission; in your case none has been given.



There are many forms of the form letter that you are trying to send us. Keep in mind that the FTC has issued opinions condemning the use of ???????frivolous??????? demands in letters from consumers and has authorized with caution and appropriate discretion the right to dismiss said form letters as frivolous and therefore irrelevant.



Lastly, a collection agency does not need permission to run your credit report or report to it. Unfortunately that means we can and will use it to effect a collection for as long as is necessary. We will be adding your email address to our blocked list to avoid further misrouted communications to our IT department.



This is an attempt to collect a debt that we have determined you owe. Any and all information obtained through communicating with you in any form will be used to aide us in collecting the debt.



Yours,



I.T. Department

MARAUDER CO More about this account >>
TransUnion Experian Equifax
Original Creditor: 12 CASH CLUB VIP CASH CLUB VIP
Account #: 51997** 51997**
High Balance: 415 415
Date Opened: 07/25/2007 07/01/2007
Date Reported: 08/31/2007 09/02/2007
Balance: 415 415
Condition: 08/31/2007 09/01/2007
Responsibility: Individual Individual

karen, did you send the collection agency a debt validation letter? Apparently, they are only going to "deal with you" through written communication. Which is good. You will have documentation. Did you send them a debt validation letter? Or just the email that you posted?

sent it certified mail, faxed it and emailed it. they continue to return each and everyone of them. they are totally avoiding debt validation. still continue to harass me on my voicemail, some of the messages are so unbelievable that my coworkers were actually appalled! go on budhibbs.com and take a look at the things they have to say about marauder aka collection professional services. i am not the only one they are doing this to

Oh, I certainly believe you! Your certified mail was returned? Incorrect address? Or not signed and picked up by them?

well, it has only been since tuesday since i sent the letter certified, so no response from that yet. however the bbb report says all mail that has been sent to that address has been returned undeliverable. so it is only a matter of time before the letter is returned also. so what else can i do? if i can't get them to accept any letters requesting debt validation, how can i fight this case?

Okay, so you haven't had it returned to you yet. Did you use the same address the BBB has that has had their mail returned? What address do you have?

i have an address on a letter they sent me saying i wrote a bad check. which of course, they have yet to prove. it went from writing a bad check, to owing money on a pdl. these people are a joke, they changed the reason as soon as i asked for a copy of the bad check. but anyway....the address on the letter is the same one that the bbb has. they have changed their name so much, i am starting to get confused. they sent me letter head with collection professional services on it, but reported to the credit bureau by the name of marauder, and they are also known as first creditors or something like that.

the address is 36101 Bob Hope Dr suite E-5-302 Rancho Mirage, CA 92270 which i actually believes belongs to some mail box place

oh, and they also go by nationwide capital recovery

Okay. They have 5 different addresses.

Listed as Nationwide Capital Recovery
d/b/a Collection Professional Services
d/b/a Marauder Corp.

2 addresses are in Indian Wells, CA
2 addresses are in Rancho Mirage, CA
1 address is in Cathedral City, CA

Good Lord! Hate to say this, but I would send the debt validation to each name and each address. That's just what I personally would do.

You would almost have to since there is no way of knowing which office holds your loan even...and then maybe you would have a better chance of one of them getting through!!!

i get the point that i will have to send them to all 5 places, even though i have already sent them by fax and email, and they returned them for whatever reason. i guess i will just have to deal with the negative remark on my credit for now. The man who sent me the email last night happens to be the so called president of the agency. when he got my fax on friday, he left me a voicemail saying...."well,well,well,....it looks as though we have something to talk about, you need to call me immediately" so i know they are receiving my letters, they just will not play by the rules. bottom line, all they had to do was prove that i wrote a bad check, and then they would have gotten the money. they are avoiding that issues entirley!!!

Of course they are. They avoid any and all issues if it does not work to their advantage,

how do you solve a collection with someone who will not even prove you owe them money? all i have now is a collections on my credit report. so what do i do, wait 7 years for it to go away? i know each time they renew it, my credit score drops drastically. i went from a 650 to a 505 in 1 week. i'll never beable to buy a house at this rate!

Karen, The collection on your credit report is from one of your PDL's..which if I remember correctly, none of the ones you listed were licensed/legal..correct...If so, dispute, dispute dispute.

i disputed imediately. i already did that online, but i am also doing it through the mail on monday so i can send copies of all the letters i have sent asking for debt validation

Good Job...I can not believe (actually for some reason I can)..that these poeple would be so stupid. An illegal pdl passes the account to an illegal CA and then they have the nerve to attack your credit report. I think Cannr posted about this whole thing on one of your earlier pages.

i got a letter from another ca, the same one cannr got one from national credit adjusters. bud hibbs have an entire web page on both of these agencies, collections professional services and national credit adjusters. i am just really frustrated with these people.

We all feel your pain. It is frustrating becuase they are not following the law, you are asking them to and trying to do what is right and it feels like you can not win. Try not to let them get to you...I know easier said than done.....comming from the person who was so stressed by these people on Friday, I ate icream for every meal and snack...Ben and Jerry's profits went through the roof thanks to me.

Karen, you're going to have to dispute this with the credit bureau. Which you already have done on line; however, also do it in writing. Don't let it eat at you. All you're going to do is dispute it. They will investigate it. It'll be okay. It'll take time. Don't expect miracles overnight. Keep copies of all your documentation regarding this illegal company so you will have proof while disputing. Stop talking to them. Telephone calls have no documentation. You want written proof of their crap. The collection agencies that keep sending you letters. Don't talk to them. Put it in writing for a debt validation (I'm talking about your newest one you got from the same company I did). Mail it certified. That's all you can do. If it shows up on your credit report, dispute it. It's a pain in the ass, but you have to. That's why you need to stop "talking" to these idiots. You need to have everything documented. Even if it means just taking notes for yourself regarding the process. You need everything in writing. Especially since you are dealing with disputing these on your credit report. Don't get discouraged or frustrated. I know I'm pissed, but I'm going to do what I can & only in writing & keep up on it. Please stop talking to these illegal idiots. Just make sure you keep fighting to have it (or others) removed from your credit report. No, do not just "wait 7 years for it to go away". Dispute it. The bureaus will investigate it!

I will continue to fight, I will not give these people that much power over my life. The funny thing is, I got the letter from National Credit Adjusters while of was in the midst of being harassed by Collection Professional Services this week, so I actually sent out both of their letters at the same time. I figured I was going to stop them from contacting me by phone before they even had the chance to start harassing me. Wasn't looking forward to having to ca's harassing me at the same exact time.

Hey...Look what I just got.

o.k. so i just sent an email to support(at)transunion.com, enclosing all notices I have sent to Mr Reginald White @ collection professional services, and also all the responses I have gotten back from him, which by the way, was just a bunch of rambling on instead of just giving me debt validation.
I enclosed with that my dispute number that they had emailed me, and I will put the hard copies in the mail tomorrow. I know this can not and will not get fixed over night, but I know I have the strength to continue on with this fight

Sooo many parts of that email that I would like to comment on, but first off WHY the FU&% would they think they are doing you a favor by returning your account status to ACTIVE?? AND you mean to tell me that if I dont pay I might not be able to get a loan from you again...Do me a favor and KEEP that promise.

Okay I'm done...

Not sure how much you've paid MTE...but you know what to tell them.

I replied by telling them I found a legal lender to deal with. And thanx for reporting to Chex system so that I am not able to write checks on a closed account

lol too funny!