I just wanted to let you all know that I have had correspondence with VC Funding and they have agreed to give me a full refund (only $15 but anything helps) and to mark my loan as paid in full. They didn't like that I went to the BBB. Oh and this all happened on the first day I sent the letter. :) Now I only have like 13 to go. Most haven't even acknowledged my letter. We'll see. Jeanelle

Hi, I understand that a negative item remain on report for 7yrs. I'm going over all three reports and I see that orig creditors and CA have wrong reporting date on all 3 reports. For instance, a debt was charged off back in 2001 and on my report I'm showing report date in 2006, nowhere on my report does it show 2001, so I'm thinking instead of the debt falling off next yr at the end of the 7yrs, it will be 7yrs from 2006. Please advice what you suggest I can do in this case. Can they keep reporting the charge off account each year and i'll never reach my 7 yr mark?

I just wanted to let you all know that I had success with VC Funding. They agreed to refund me the money overpaid along with supplying me with a loan Paid in Full letter as long as I asked the BBB to drop the complaint. Jeanelle

I just received this letter from CMG Group. Is this just a scare tactic? Do I in fact not have any chance here. i have already paid them $450 on a $300 loan. Jeanelle

I notice that there have been no guys in the pub in a while so, being it is October and time for the playoffs, I thought I might put up a thread asking who the favorite teams are, who is going to the series and who really blew it this year. So if you are a Red Sox fan who has bragging rights or a fan of the Mets who played hairball instead of baseball at the end of the season, I want to hear from you. I am remaining neutral because I want to keep all my freinds who are routing for the Cleveland Indians today!

I sent out faxes to all of the companies I have loans with basically revoking my ACH debit and all wage assignements along with telling them they that I had over paid. I got a call back from One Step Cash asking what the letter was about. I said it was pretty self explanatory. She said they would continue to debit until the loan was paid in full and there was nothing I can do to stop them. I wish I didn't have a negative balance in my checking account or I would close it today. *sigh* How I ever got myself into this mess I don't know. Jeanelle