Midland Credit Management - Has anyone been ripped off?

Midland has bullies and stolen from me. They have use the address Dept 12421 PO Box 603 Oaks, PA 19456. What can i do when i have asked them not to take money from my account a?

I had a debt with MCM and they took me to court. I agreed to a down payment and then monthly payments. I sent the pymt to MCM and their lawyers froze my checking account. They claim MCM never reported the pymt. I have faxed my cancelled check, and my account is still frozen 48 hours later. What to do?
They also did this with no warning.

I would like to know how many more payments do I have or can I do a settlement. I can't afford $125.00 taking out of my account because I am only making a average of 100.00 a week and I have a mortgage payment of over 900.00 a month. I can afford 50.00 a month or a settlement

Midland Credit Management apparently has a credit card debt I owe on. If they now own this debt, how can I find out how much they paid for it? Do they actually own the debt?

Midland Credit Management recently purchased a debt I had from a credit card from four years ago. They set me up with a payment plan that is actually adding up to less than what I had aquired with the credit card company. Should I be weary of this? All I want to do is pay my debt.

Midland Credit Management recently purchased a debt I had from a credit card from four years ago. They set me up with a payment plan that is actually adding up to less than what I had aquired with the credit card company. Should I be weary of this? All I want to do is pay my debt.

if you didn't get it in writing yes.MIDLAND doesn't play fair at all.th payment plan was done with ulterior motives.did you get the deal in writing?

its true midland has the right over the a/c .....and if they say they own it they would ...........as when we sign up fr a credit card etc.....the application has a clause that the rights to the a/c can be transferred to anyone ...........the company seems fit ....i had a fingerhut a/c with them ......they settled the a/c for me and reported the a/c as a paid a/c and not a settled a/c ............which my lawyer confirmed for me .........

that's nice.btw nice use of dots. :roll: :roll:

i have really enjoyed reading everyone's post. very informative... here is my story.. any suggestions would be greatly appreciated... received a couple of letters from mcm that i never responded too. i was then served by the local sheriff dept to appear in court. contacted the attorney to find out what the charge was for. the "attorney" could not find any info in their "database". said he would call me back. went to court 2 days later only to be told the case was dismissed. (voluntary dismissal w/out prejudice) 2 weeks later received a call (first ever) from MCM. guy was rude so i hung up on him. got a call today. (a month later) inquired on payment. i asked for a fax# to send a copy of the dismissal letter. he then brings up an acct that he said i had back in 1998! Ga sol is 4 years.(nothing on my crdt report for that acct) so my question is, should i send this dv letter?? and or should i send a copy of the dismissal letter from court?? or should i send a copy of the dismissal letter to the 3 cb's??? my last question is... once a debt has been sold to one agency and then to another one, what date should reflect on ur crdt report?? because it appears that once it has been resold, the debt appears to be a new debt which caused my scored to go down.. thanks for ur time..

Did the account default in '98? If so, the longest this could have stayed on your report would be mid 2006. They may have illegally re-aged the debt which violates the FCRA and they are liable for up to $2500 per violation per CRA. SOL in GA is 6 years not 4. When was your last payment on this account?

is Kay Jewelers part of Midland Credit Management?

I would like to settle on this account for $1000.00. Can you please send me a settlement letter so that I can pay off this account? I have been asking for this letter for months. No one has responded yet.

I have Midland Collection showing on my credit report which is listed from Spiegel. I paid the full amount off in May or June of 2004. They are telling me that I may have paid them but it was posted late and that the $365 that I owe is the accumulated service fees for it posting late. I have asked for them to send me the information showing this and the woman at the other end tells me I need to send them the information. How can I go about getting a detailed copy of what they say I owe?

What should be included in this letter. I purchased a vehicle from another company around 2002. The loan company I used had a very high interest rate & I was ignorant about credit then. Well, needless to say, the vehicle began having electrical problems, so I tried to trade it on another vehicle, but it wasn't worth the balance I owed on it. So, I voluntarily gave the vehicle up for reposession. Then MCM decides to take over the debt. I've tried to pay them monthly in the past, but my balance never seems to change for the better. Any suggestions ar

Don't send them anything as you said you owed spiegel not MCM . If they are stupid enough to buy debts not paid to others they deserve to loose the 2 cents they pay for every dollar of debt they buy . Debt collectors are the lowest form of life there is . I have more respect for the guy that cleans the rest stop bathroom. sounds like you were fair and paid your debt . That was your first mistake you are the kind they go after most . Sadly it is those that are out to get over that have the least problems . like they say Birds of a feather .

I get home this evening, notice their was an Unknown caller this afternoon & 1 from yesterday as well. About 5:30 MCM calls & asks for my Ex-wife. I told him she doesn't live here, she never lived here, we are divorced & I haven't talked to her in years. The guy hangs up on me, which upset me. An hour or so later who would call but MCM, again asking for my ex-wife. I layed into that S.O.B. for calling again after telling them she's not here, never has been. He was ready to hang up, & I asked for his supervisor, he wanted to know why, I told him I wanted to make sure no more calls were made here. I did get his "supervisor" Brian Howard (much less of an accent than either of the 2 callers). I explained why I was upset, asked before not to be called for her, got his # 800-265-8825 ext 53824 ( in case I lose the paper (it's my electronic copy)). He promised no one would call from MCM for her at that number again. I should have asked how my # came up since she never lived at this address/phone #, or state. He asked for my name which I gave & hone # since it was transferred to him he said the # didn;t transfer, who knows maybe he is selling my #. The next collector that a calls I'm going to ask why they thought she was at this #. I guess I wasn't on the collection as after I layed into them they apologized up 1 side & down the other, really made me question if they were caught calling numbers they knew they shouldn't be.

My husband has been contracted by phone many times about an outstanding account that isn't his. He has repeatedly told them they have the wrong person. Wrong middle initial/wrong social sercurity number. Now they are sending letters threatening a lawsuit if the account is not paid in full.
I have tried speaking to customer service to complain and their agent has hung up on me twice. Help. How do I stop this?

Hello everyone.

I have posted a new thread about my case, please give my a hand on this matter as it is quite confusing.

Thank you very much for any advice you can give me.

Has anyone been sued by the company? I opened a credit card account back in 2004 and i defalted on the account in 2005. MCM bought the account and they were sending me collection letters when i used to live in WA state. I never reply to them and they never called me. Five months ago i move to California and what do you know they found out that i live in L.A and now they are calling me everyday.. I spoke with a guy today and i told him that the statue of limitations had expired but he told me that since i used to live in WA state the SOL is six years.. I told him that i live in california and that the statue of limitation in california is four years but he told me that my account is under WA SOL.. Is this true? Well he told me i was wrong and that he was going to enter in the account that i'm refusing to pay. He was polite... but one thing that is bugging me now is this.... He told me once again that i was wrong about my statue of limitation and then he said GOOD LUCK!!.. I wonder if they are planing on suing me.. I owe them 1100 dollars.. Any advice? Not sure if i should call them again and try to work something with them or should i wait and see if i get serve?

Folks,

1. Never acknowledge the debit.
2. Ask if they are licensed to collect in your state.
3. Find out what the statue of limitation for your state is. Doesn???t matter where your card/debit is located. If beyond statue you have nothing to worry about they MCM cannot collect the alleged debit. If you are served to appear in court the burden falls on them. State to the judge it is beyond the statue of limitation and he/she will state case dismissed.
4. Stay calm and focused. The big bad wolf is on the phone and cannot get you. Turn the tables and kill them with kindness.
5. MCM is not or any other collection agency to contact you at your place of employment. Against Fair Credit Collections, Report them if they persist and document days and time and person if you can understand their name.
6. Document, Document!!!!
7. The book Debit Cures is a good read and I recommend to anyone facing collection wolves, it is the best tool I have found to be the most informative tool to help me fight off the wolves and keep my sanity.
8. If more than one agency is reporting to the credit bureaus about the same alleged debit write a letter to the agencies, only one can report according the Fair Credit Act.
9. I recommend Free Credit Report.com

the book debt cures is a SCAM.the info in that book you find here.also freecreditreport.com requires enrollment in triple advantage.so it's not entirely free.also kevin trudeau is a scam artist that takes your info and debits for some stupid club you never join,but thanks for the info.

You can order Debit Cures for $10 on E-bay and it gives you the writing tools that keep you out of trouble with the debit collectors and how best to communicate to them in order not to start the cycle all over again for another 7 years of reporting. No membership required. Had I received that book prior to being served from a third party collector mentioned first in the book, I could have saved myself $3,500.00. I hired an attorney because I was served and was fearful. If I had received the book I would have know that the collector that had me served is one of the worst out there even worse than MCM. Most people make the mistake by acknowleding they owe the debit.

MCM called me today at work for the second time and I stopped the person on the other line dead in his tracks, before he could start on his spill. I stated that it was my second verbal warning not to contact me at my place of employment. He's response was well then I will report refusal to pay debit. I stated what alleged debit and he hung up. Don't be afraid, I pitty the poor soul that works at places like that.

You can if they are trying unfair collection tacktics to counter sue them for the alleged debit. Most of the persons on the phone are not educated as to the Fair Credit Act and are just trying to bully their way through to you. Credit cards are un-secured debt and they can not take property from you or place a lien against you, they do know this and will try as they might to make you crumble.....

Free Credit report is free.

You do not have to sign up for the triple advantage. I receive one free credit report a year from all three bureaus. I receive email alerts, when persons are looking at my credit and if there is a change in my credit score. This has help me dispute items that appear immediately. I have items appear on my report that were related to my ex-husband and I made sure to remove his name off my credit report. That has stopped agencies from trying to effect my score for debit that was and is his and from having to contact each agency to have the debit proved and removed.

If there are other tools you have found useful I am listening.

the only site that truly has free credit reports is annualcreditreport.com.as for the book.fine,but you can still find that info here for free.again don't insult me.i went to the site for freecreditreport.com,and it does require enrollment in triple advantage.

I send a debt validation letter via certified mail to Midland Credit Management and waited for a reply from ANDREW WILLIAMS X2414,C481. He sent me out a letter which he printed out from his computer. I asked him to send me that he is licensed in my state, and give me your license number he never send it to me.

So I had this Citi-Card when I was in the middle of a divorce. When I got the letter from Citi-Card that I needed to make a payment or else, I did just that. I called and made a $200 payment and arranged to make the FINAL $200 payment at the end of the month. Two weeks after the initial payment I was notified that the card was in collections! It's been two years; I think I am on my 3rd collector: MCM for $1100. They called my office and advised me that if I didnt make a payment before ending the call they would treat my case as refusal to settle debt, and that they "had the means to take this further." I explained the situation to the passive aggressive caller and she advised I had a "very long, uphill battle ahead of me." I feel like I don't know what to do. I have endured some pretty gnarly credit agancies in these two years and I am not sure if I have it in me to keep fighting.. but I REFUSE to just give my money away. Advice?

My question is this. Is it lawful for a debt collection company to discuss the particulars of an account with my spouse without consent from me? Can they lie about the SOL not being valid because tthe account is in collections? Can MCM call me 4 times back to back to back to back because they reached my answering machine? This company is full of clowns and I think it is about time they paid for their lies.

so recently I received a call from Midland Management inc from a rude guy saying that I owe...well he did not even discuss how much a I owe from a Chase bank. But the thing is I never had an account at Chase and I had an account at Commerce bank. So when i asked about the amount i owed he told me that I am refusing to pay it and that I will be taken to court. I'm a college student who makes $80 a week and I am just trying to get my way through school. Can they collect on this or is it just a scam? help!

The other day I found out that MCM had took all of my money out of my bank account. After talking to my bank and finding out what happern. I called MCM about what they did and ask them why. They explain to me that it was an old credit card that I had in 01. They had took the case to court. And recieved an judgement to take the money out of my account(which is a joint account).What I dont understand is that I never recieved a called or a letter from them . I was never serve to go to court or anything. I even look at my old credit report from 12/2008 this credit card was not even on there any more. So I thought it fell off my credit report. I pulled a new credit report up yesterday and it is not on there. I'm just stuck and don't know what to do.

go to your court and file a motion to dismiss for improper service.then get that money back into your account.then go to NACA.NET and find a consumer attorney who will work on contingency,and sue them for their illegal tactics.

MCM has been calling my home for the past 2 weeks asking for my daughter. When I tell them she doesn't live with me, they immediately hang up. Then they call back 4-5 times a day starting at 8 am until 10 pm at night.
Last evening, they called again and not admitting it wasn't my daughter, I asked what this was in reference to and "Carlos" spilled his guts....apparently this was from a CC which was discharged in a bankrupcy 3 yrs ago. When I explained I wasn't who he thought I was, he got nasty and started telling me I had violated goverment rules by having him tell me private information. I explained they ALWAYS hung up on me and never let me explain. I told him to stop calling my home. He hung up on me again. I want to complain to someone about these peoples behaviour and tatics, and can they legally collect that was discharged on a bankrupcy years ago.

mcm is totaly fraud

To A Mom. It is illegal to try to collect a debt that has been discharged in BK. If Carlos spilled his guts then he is to blame. He's the one who violated the rules. He should have made sure that you were the correct person unless you told him you were daughter. Do not talk to these people. Find out their address and send them a letter ceritfied return receipt and tell them to quit calling you. If you talk to them, tell them you are recording the call and that you will report them to your Attorney General office and well as the one in their state. And you will report that they are attempting to collect a debt that was discharged in BK. Did they know about the BK or did you happen to know about it?

Their new address is PO Box 60578 Los Angeles, Ca 90060-0578

Midland called me last night (Oct 13, 2009) asking for my ex wife whom I divorced 11 years ago. My telephone number is different from the one we had 11 years ago, there was no reason to call me. The guy asked me for her phone number many times, but I wouldnt give it to them. I told them I would call her and give her the message. Told him not to call my number again, he didnt sound nice, and nope, couldnt speak good english either. I wish they'd come to my door, I really do.......

I have a question. I sent a DV letter to Midland and they sent me a notice with a very high balance and just states the original creditor is that enough info from them. BTW this account is past the SOL by 4.5 yrs what do i do Now

you send them that info with an FOAD letter.if it is past SOL it is up to you.they can't do a thing to make you pay.

What kind of letter stating that they are past the SOL on is account.They sent me that classic letter stating that they want me to send them info to help them with this accont YEAH RIGHT!!! So if anybody could help me with a letter or should I wait for them to take me to court and bring it up to the judge then.

you are sure it's past the SOL right?then you send copies of that info along with the FOAD letter.if they sue or try to sue after that.then you get a contingency lawyer and sue them.

Yeah I am pretty sure the last activity was 04/05 on this account. Thats were they show my 30 days past due on my credit report. The only proof I have is my credit report do I really want to give that to them.

I am sick and tired of these people calling my house hanging up on me and trying to get in contact with my ex boyfriend for the past two years, I told the agent I was going to report them to BBB thanx I am so glad that I have this information they got no more times to call me

The credit bureaus do not allow any company to report the same debt more than once. If you have a merged credit report then sure since Midland does report to all three bureaus then you are certainly going to see the tradeline more than once possibly 3 times. we ask that consumers please educate themselves when it come to reading your credit rpeort befor you call Midland and start yelling.

Consumer please keep in mind that 2 companies have the authority to report the same account. The original creditor and the current owner. the original creditor will report the account as traded , sold or transfered and the current owner will report the current status of the account.

right you are,but midland has a knack for re-aging accounts,and listing themselves as the original creditor.highly illegal.

You tell em' Paul. ;)

How can I call these people if I can not get thru???
They keep calling for "Joshua" all hours of the nite!!! I have told them 12 times, yes they have called that many times, that there is no one by that name. Everytime I start to say something like this they hang up and I never get anywhere. I lied this morning and said "may I say who is calling?" because the caller id lists no number for this company and they put fake names as to who is calling. When I got the real name "MCM" and I started to tell them Joshua doesnt live here, they hung up! I'm sick of the calls!

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These people are ridiculous they have been calling me for months trying to bully me into paying a bill for something that I do not owe. They were calling from the 555-555-5555 number and blocked numbers up to 7 times a day. On my cell phone. I sent them a registered letter asking for proof of the debt that they never responded to. It really doesn't matter since my phone is set up to send blocked and fake numbers directly to voice mail but what they are doing is in violation of the FDCPA if they have done this to you I recommend filing a complaint with the BBB and the California state attorney general. Until people stand up to these bottom feeding bullies nothing will be done about them. The one time I tried to discuss this on the phone with one of them he screamed at me and I hung up on him. I still have not received the information verifying the debt because it is obviously not real. If it was they would have no trouble proving it. After my complaint to the BBB the calls stopped. I recommend everyone who gets harrassed by these losers file the complaints. Its the only way they will be held accountable.

They called me to schedule a payoff. They debited my card for a partial payment as agreed, and then wrote a letter confirming that. Everything was fine until I received another letter prior to the second and final payment stating that MCM was going to debit my account for double the amount. Quickly thinking, I canceled my debit card and now MCM is calling to still debit the final amount.

If you are trying to fix your credit like I am, make sure you get everything in writing!

Good luck to all!

Joseph
Houston, Texas
Miami, Florida