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I need help with Frederick J Hanna

Date: Fri, 01/04/2008 - 08:19

Submitted by rocookie
on Fri, 01/04/2008 - 08:19

Posts: 24 Credits: [Donate]

Total Replies: 42


It would take up too much space to tell about the whole thing but to sum this up- 3 1/2 yrs ago I got a credit card from HSBC. I paid on it for 2 yrs and realized that 'something wasn't right', the amount kept going up even though I was paying on time and I noticed weird fees with no explanations. I called the company and asked about it and they had no written explanation or one in their system and they were just listed as misc. charges. I went back and forth with them about it, even talked to their dept mgr but don't remember his name because frankly, I didn't think I needed to at that point. This was also around the time when the payments started not going through and their "system" problems started. I spoke to them about that, they said to just pay earlier, it got ugly, I told them to remove all the extra charges I had not know about, they refused. I asked for proof of what they were for, they could not produce it. I told them to charge off because it was obvious they were taking me for a ride for quite a bit at that point- basically saying I owed a huge amount and it should have been just about paid off (making double payments sometimes and always over the 'agreed' amount). At that point, I learned about the fact that you couldn't get statements online even though they said you could and they refused to send me any but said they had sent them.

Skip down to last year- I got a letter from Arrow financial stating I owed THEM even more for that account. I sent a cert letter asking for proof with all my info I had from the previous battle with HSBC. I never heard back. I moved and lost the copies of all that. I looked on my credit report and it showed the account with them was open and them closed.

Skip to the end of 07 - I get a letter from Frederick J Hanna stating I owed even more for the account. I sent a letter asking for validation. They sent me a letter back stating "You owe X amount because they say so". That is not going to work! I sent them a "Validation Proof" letter asking for them to validate the debt in FULL. I did not hear back. This week I had a note on my doorstep stating a county sheriff had stopped by and has a civil paper for me. I can only assume they are going to try to sue.

In the meantime, I get CONSTANT calls from numbers that have been shown to be from Hanna. ALL hours- call- hang up, call- hang up. Usually it's just one ring! Very annoying.

NOW- according to my Credit Report- it shows that HSBC account is closed and Paid as Agreed.

I have looked all over the web for info on how to fight these guys but can't find anything. I want this to go away and it seems nobody can win against these bottom feeders. They continue to do illegal practices against the Fair Trade Practice Act! I want to fight but do not have the funds to pay for a lawyer.

Can anyone help!?!?


First thing get all your documentation in order and make sure that you show up in court. If you don't you will lose by default. HSBC is the worst. I had a lawyer take me to court and I wound up paying the legal fees on top of the amount I owed. The difference was I really owed it. It sounds as if you do not. Do you have your cancelled checks or old statements? Others with better knowledge will be along to help you. Hang in there. Go to this link and read about the scum you are dealing with. You can win this. http://www.budhibbs.com/debtcollectorpages/hanna_frederick_j_assoc.htm


lrhall41

Submitted by Frogpatch on Fri, 01/04/2008 - 08:37

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I'm dealing with these bottom feeders. First call your state bar association to see if they are even licensed to practice law in your state. Check the plaintiff's council listed on the summons for Bar licensing.

Also, get yourself a attorney to represent you (naca.net is a good place to start looking) make sure your attorney requests validation of debt during the discovery phase under a motion to show cause.

If they resort to suing you when you request validation they are trying to skirt it and go for the throat. If they couldn't produce validation then, they probably won't be able to produce it now, your legal council will probably then motion for dismissal due to failure to show cause.

Lastly, these misc charges sound like a big violation of truth in lending (which I think is Reg EE)


lrhall41

Submitted by JCEMT on Fri, 01/04/2008 - 08:43

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If your credit report shows the account as paid as agreed I do not see how these people (I use the term loosely) think they have a chance. Try as JCEMT says to get a lawyer. The NACA lawyers will very often work with you as far as paying. It is better to pay your own lawyer then to pay someone elses on top of money you do not owe. I think one letter from a real attorney will be enough to scare them off. You may even have a good suit against them.


lrhall41

Submitted by Frogpatch on Fri, 01/04/2008 - 09:17

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Also on my credit report- Arrow Financial is on there- it shows I had an individual account with them which I NEVER agreed to or took out and it has an amount almost double what it is on the HSBC account- HOWEVER- I did dispute it so it shows that on comments. It shows Factoring Company Account (debt purchaser) -whatever that means.....


lrhall41

Submitted by rocookie on Fri, 01/04/2008 - 09:31

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I have been looking around online for info on what is legal and not but can't find anything that has to do with what they can put on your credit report. I did contact a lawyer, one of the very few in GA that deals with this sort of thing, and her fee is half of what the collection agency says I owe- I certainly can't afford all that!!!


lrhall41

Submitted by rocookie on Fri, 01/04/2008 - 13:51

( Posts: 24 | Credits: )


oK here is an update...at the place I used to live...where the cop left the note...he apparently stopped there today and said he needed to see me and they told him I don't live there. He said Ok and walked away. He had some paper with him. So now what? What could happen next??


lrhall41

Submitted by on Fri, 01/04/2008 - 18:33

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I'm also dealing with them on an old credit card account that was purchased by a debt buyer. I have turned it over to an Attorney.

I transferred the balance on the credit card over to another credit card in 2004.
At that time I also requested that they close the account.

My Attorney sent a demand for validation, but received a response much like the responses I have read on this thread.


lrhall41

Submitted by Reesie on Sat, 01/05/2008 - 07:10

( Posts: 122 | Credits: )


A new update! This morning I had a message from someone claiming to be from Allied debt solutions. Said he got my email looking for debt consolidation help and to call 800-523-0476 for assistance. Well, I've never contacted anyone like that!!! I looked for info on them and could only come up with them being debt settlement company - a collector. I'm wondering if Hanna is using them to try to trick me to call and get information. That's sooo illegal I'm sure!

Has anyone else heard of this company or that phone number? They don't seem to have a website and I couldn't find them in the BBB.

EDIT: Just did some more searching and came up on this page
http://www.bad-business-rip-off.com/ourrebuttals.html
that same number is listed for Coleman Law Offices..... INTERESTING!


lrhall41

Submitted by rocookie on Mon, 01/07/2008 - 07:46

( Posts: 24 | Credits: )


I hope someone reads my updates! I still need a little assistance please. :-)

I was just looking at my letters again and my last Equifax report..... it does show that the original creditor has the account in question listed as CLOSED. Arrow is the next thing listed but it does show Collection Account, Activity Description "N/A" (with the much larger amount than the original creditor). The letters I sent disputes for were stating that FJH was collecting for Arrow Financial. Remember Arrow did not validate nor respond to me at the start of last year. Of course Hanna couldn't validate for Arrow, I never really had an account with them. Is the only way to deal with this issue, mean getting a lawyer who isn't even guaranteed to be able to help?


lrhall41

Submitted by rocookie on Mon, 01/07/2008 - 09:37

( Posts: 24 | Credits: )


I have another question - since I never got validation from Hanna...and of course nothing from Arrow either.... I feel compelled to think I should send Hanna some sort of 3rd letter to get them to close to account or SOMETHING. I would love to be able to do this myself because I can't afford a lawyer. Is there another letter that can be sent ...something like "since you couldn't validate, please close account"....

Thanks again for everyone's help- this forum has been a huge help with these issues!!!


lrhall41

Submitted by rocookie on Tue, 01/08/2008 - 13:41

( Posts: 24 | Credits: )


I wasn't allowed to post the link, but this breaking story can be found in today's AJC.com:

Consumers complain that a Marietta debt collection firm uses deceit and abusive tactics to collect money, even when it isn???t owed, records show.

Enough complained that the Georgia Governor???s Office of Consumer Affairs began investigating last fall. It ordered Frederick J. Hanna & Associates to answer questions about collection practices, consumer disputes and what it does to ensure the validity of debts.

But for three months the state???s top consumer watchdog agency and the debt collector have been in a standoff.

Frederick J. Hanna & Associates says its tactics are none of the state agency???s business. Because it???s a law firm, the debt collector contends it is outside the consumer office???s jurisdiction. It refuses to answer the agency???s questions.

???We don???t feel like they???re entitled to anything. Period,??? Frederick Hanna said. He said his firm gets 50,000 new debt files each month and its collection methods are legitimate.

The consumer office says it has a right to investigate whether the firm???s tactics are breaking state law. ???If we perceive an infraction of the law, we don???t believe your status as a law firm will protect you,??? said Bill Cloud, a spokesman for the consumer office.

A hearing is scheduled March 30 in Cobb County Superior Court and the outcome could have a significant impact on thousands of Georgia consumers targeted by debt collectors ??? especially those who don???t owe money.


lrhall41

Submitted by on Sun, 03/15/2009 - 05:56

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I answered my summons from hanna and yesterday I got a packet certified mail from them with a whole bunch of information they want me to provide. There are 3 pages of admission of facts they want me to deny or confirm, 2 pages of production of documents and 2 pages or interrogatories. Very first thing is I have to admit or deny that I received a credit card account # ***** from the Plantiff.....the lawsuit states Asset Acceptance LLC assignee of world financial network national bank/goodys as plantiff...should I deny that being I didnt get a card from asset and I have no proof they have the account from goodys?


lrhall41

Submitted by on Sun, 03/15/2009 - 09:11

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what happens if the documents dont get returned...is that like admitting it and they get the judgement?


lrhall41

Submitted by on Mon, 03/16/2009 - 06:51

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guest.do you mean the fair debt collection practices act(FDCPA)by chance?yes those are violations,and blatant ones at that.


lrhall41

Submitted by paulmergel on Fri, 07/17/2009 - 06:32

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Message Author
Posted: Mon Sep 01, 2008 1:57 am Subject: Frequenly raised insinuations by trolls

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We have had trolls in the forums who raise insinuations to break the unity of the forum.

I am creating this topic to answer all the past insinuations. I request the moderators to refer the trolls to this topic next time they insinuate something that has already been answered. If it has not been answered then we will use a member only forum to discuss the insinuations that is being raised. After the discussion we will add one more question here along with its answer. Also we will move the insinuating topic to "Moderator only forum" to keep the negativity out of the open forums.

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lrhall41

Submitted by on Sat, 07/18/2009 - 21:05

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