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Collection Agency collect bu Creditor still show unpaid?

Date: Mon, 07/21/2008 - 16:54

Submitted by linuxrfun2003
on Mon, 07/21/2008 - 16:54

Posts: 11 Credits: [Donate]

Total Replies: 9


I have a bad car loan with a company called WFS and the car was repo-ed. WFS eventually got acquired by Wachovia Dealer Services (WDS). As of today, WDS is still updating my credit report with a "Collection" mark every month.

I tried to contact WDS to settle the debt by monthly payment through the contact number listed in the original statement (the old company that was acquired), but the Customer Service at WDS told me to contact via the address listed in the credit report. No phone call allowed. OK, so I sent TWO letters to WDS via certified mail. To date, WDS has not responded to me and now I got 2 collection agencies (CA) trying to collect the account:

1) 1st collection agency: Sentry Credit
2) 2nd collection agency: CBHV (Collection Bureau Hudson Valley, Inc.)

I contacted Sentry Credit to ask if they're the authorized CA for WDS. They stop responding.

With CBHV, they sent me this:
- Copy of the original sales contract of the car that I bought from the dealer
- A letter showing how the calculated the balance

The letter had WDS logo, but you can tell that it was just a copy-and-paste from WDS website, as the graphics looks very unprofessional (jagged) as if someone copy an image file and RESIZE it to large.

So my question now:

1) Since WDS never responded to me, should I contact them again but this time told them that I have tried in good faith trying to settle the debt but since they didn't response, I have the right to dispute the debt for validity (due to non-response).

2) How do I truly validate CBHV is the authorized CA? The last thing I want is pay CBHV but then WDS still update my credit report for the next 7 years as UNPAID, even though it has been paid. If I pay CBHV, I want WDS to update the record to say "PAID" and not updating my credit report anymore.

FYI, as of today my credit report ONLY show WDS, not CBHV or Sentry, not even on the inquiry section.


Quote:

How long has it been since you received the communication from CBHV? Did you send them a debt validation letter? Is the information that they sent to you in response to a DV or was that the first communication that you had from them?


I received a call from CBHV sometimes last month. I then sent a letter containing the following:

1) Debt validation:
??????? What the money CBVH say I owe is for;
??????? How CBVH calculated and determined the amount you say I owe;
??????? that I have signed and agreed with any terms related to the borrowing of money for the amount CBVH say I owe;
??????? that CBHV are licensed to collect in my state

2) Authorization from Wachovia:
??????? that CBHV has been assigned the debt by Wachovia and given legal right to collect such debt;

CBHV sent me a letter yesterday, 07/22/08 and provided 2 documents:
A) Copy of the car loan contract which I signed with the dealer (the normal contract when you buy a car)
B) LEtter showing how they calculate the balance, showing the original amount minus sale price (car was repo-ed) and then the remaining balance.

Now, CBHV did NOT respond to my request number 2 above. The letter (document B) have a cut-and-paste image of WDS on the letter head, as I mentioned in my 1st thread.

As mentioned, I am willing to settle the debt but the document CBHV sent is very suspicious and the fact that CBHV did not response to my request to show evidence that WDS has authorized CBHV to collect on behalf of WDS is even worse.

I am thinking of writing another letter to WDS directly and include a copy of CBHV letter and then threatened WDS to respond or I would assume the debt is invalid. The threat is not because I do not want to pay, but to force them to reply.

Last note: the amount shown in my credit report, which WDS has been updating for the last 6 months, is MUCH SMALLER than the amount listed by CHBV.

Anyone who have insight on how to deal with this, please assist. I am willing to pay but WDS is not responding and CBHV doesn't want to provide evidence as mentioned above.


lrhall41

Submitted by linuxrfun2003 on Tue, 07/22/2008 - 12:20

( Posts: 11 | Credits: )


blast off troll,the OP should sue the collector.they own the debt and should get it cleared.this is why i say don't pay a bottomfeeder.the OP paid and it still shows on his credit reoprt.
trolls like you give me indigestion on an empty stomach.


lrhall41

Submitted by paulmergel on Mon, 09/15/2008 - 06:08

( Posts: 15514 | Credits: )


i think cbhv is a scam !!!!! they keep calling me i mailed them a money order and got no recipt from them so called just today for a recipt before i fork out any more money to them and the guy got very loud and rude with me on the phone .. please let me add the debt is my boyfriends not mine and when i talked to this bill jordan on the phone i told him i was just the girlfriend and he was fully aware it was not my debt so for him to even release any information to me is unprofessional they are assholes and not getting anymore money from us anyone else with this problem please tell me who i can contact to even verify these people are real collectors


lrhall41

Submitted by on Wed, 07/14/2010 - 13:59

( Posts: | Credits: )


www.cbhv.com yes they are real. and [URL="http://www.debtconsolidationcare.com/forums/member.php?u=107083"]linuxrfun2003[/URL] people like you who want to ignore the fact you owe a bill are the kind of people who keep us debt collectors working, keep dodging ass hole, cbhv will let the debt go back to WFDS (this is not a purchest debt) and you will be sued by WFDS good luck with that, oh yea, and all the things you told them to mail you are nothing but a form letter, i recieve 20-30 a day all the same. laws differ from state to state so getting a forme letter from online is stupid. read the laws and wright your own loser


lrhall41

Submitted by on Wed, 09/01/2010 - 07:52

( Posts: | Credits: )


[QUOTE=Anonymous;742960]www.cbhv.com yes they are real. and [URL="http://www.debtconsolidationcare.com/forums/member.php?u=107083"]linuxrfun2003[/URL] people like you who want to ignore the fact you owe a bill are the kind of people who keep us debt collectors working, keep dodging ass hole, cbhv will let the debt go back to WFDS (this is not a purchest debt) and you will be sued by WFDS good luck with that, oh yea, and all the things you told them to mail you are nothing but a form letter, i recieve 20-30 a day all the same. laws differ from state to state so getting a forme letter from online is stupid. read the laws and wright your own loser[/QUOTE]


You should use periods at the end of sentences, not commas. You should capitalize the first word of a sentence. Personal pronouns should be capitalized (e.g. I). The word is "purchased" not "purchest." The word is "write," not wright! And finally, asshole is one word, not two. You should especially take note of that as I'm sure you hear that word a lot. Have a nice day! :D


lrhall41

Submitted by OhioGal1 on Wed, 09/01/2010 - 07:59

( Posts: 5253 | Credits: )