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I was very good with my money and my credit in high school

18 years 3 months ago
Well when i was in high scool and all through it I was very good with my money and my credit. Paying off debt and saving money. I was ok when I went for my first year of college and still payed my bills and had money. My second year of college started out ok but got bad. I got sick and with my sickness I didnt make it to all my classes and making that I did not pass most of my classes. My parents thought it would be best for me to move back home since I was sick. Deep down I knew that was the best thing but I was not happy with it.

 

Big Scary Phone Call

18 years 3 months ago
I got home today and there was a message on my machine from "something-something" Investigations. I could hardly understand it, she "read" so fast. She was calling for my husband and stated that a civil suit was being filed against him in our state and gave an unintelligible case number. She then said that he needed to call Mr. Harris at 410-878-7057. And I quote: "If you don't get in touch with us in 48 hours, then we KNOW IT'S YOU!!!" :evil: Well, other than some medical bills, my husband doesn't have any big debts. All his old credit cards are waaaaay past the SOL.

 

What case law to cite?

18 years 3 months ago
For the life of me I can't remember what case law to cite that supports reporting/verifying accounts to CRAs as continued collection activity. I will likely need this when I go to court. Want to have all my bases covered if LVNV tries to weasel out of this. Hmm, also anything on that statements alone do not constitute proper validation. anything else anyone can think of I will need? I'm all worried and excited over this lawsuit. :)

 

This is a crazy mess!

18 years 3 months ago
Listen to this i contacted onestepcash today and asked them if they were license to lend i was told yes they were so then i asked what is your license number to verify that they were a legit business then i got the hold on please! then i was given some 800 number for there corporate office by the way that number didnt work so i called back stating that number didnt work then i was told my supervisors in a meeting i can take down your number and have him call you back wit the info!

 

Settling out of court

18 years 3 months ago
I have contacted the lawyer of the bank that is suing me, as I am unable to get hold of anyone at the bank in England. I have made them an offer of lower monthly payments. If we can settle out of court will they drop the suit?

 

I need Multiple Payday LOANS asap ! Emergency help please

18 years 3 months ago
Im in the biggest nightmare of my life. seriously. lost my job late last year, my heloc was turned down last minute i had an old medical collections and my credit took a dive i was going to get small private loan from a relative the relative suddenly died of heart attack then i went to a private lender and the guy's wife ended up in the hospital and i havent heard from him in over a week my remaining uncle who could loan me money got shingles (disease) in his eye and is too depressed/broke to help the kicker here is that my bank account got really screwed up start of january (around same day u

 

plaintiffs account interragatories

18 years 3 months ago
I need to answer my summons. Attached to the summons is a bunch of questions, called the Plaintiffs Account Interrogatories. How do I answer this? I admit I owe them money but I do not know how they have arrived at the amount they have. The original creditor is a British bank. I used to live there and the original loan was in British pounds. It has now been converted to a US dollar amount. I have no clue how they have figured it out. I live in Texas and have been sued in a county I do not live in. Also, this contract is subject to British law, specifically the "Consumer Credit Act".

 

LVNV Corporation?

18 years 3 months ago
They are a corporation yes? I have to serve them through a registered agent right? How do I go about finding out who that is?

 

Transportation Alliance Bank

18 years 3 months ago
TAB is a great option out there right now and a favorite of those on chexsystems. This account is best when used with direct deposit. TAB is not using chexsystems at this time. I am not sure how long this window of opportunity will stay open. Please note that unless you are near a Flying J location, that all deposits have to be mailed in. This account is best to be used with direct deposit. I can not tell you how many people are getting accounts at this bank right now and they love it.

 

National Credit Adjusters? Anyone ever deal with them?

18 years 3 months ago
Today I get a letter in the mail from National Credit Adjusters. The letter is for a settlement offer of 30% off my balance from a payday loan that I had with Cash Direct Express. Has anyone ever dealt with this company? They are out of Hutchinson,KS. They have a PO Box listed for their address. After all the garbage that I have been dealing with Cash Today Limited, I do not want to get sucked into another scam. They are telling me to call them by 2/29 because after that, the offer is void. Thanks again for all the help