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First of all Who would you pay first, the Lending Tree mortgage, the goverment, or required medicines? Thanks in advance for any answer. Another quick question... Received a ltr from a CA 3/4 weeks ago collecting for CapOne, I sent a validation ltr to the CA and CapOne responded to the Validation ltr saying it is reviewing my dispute.. |
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I'm stumped. I'm not so sure what is the right answer to your question. I'll do some poking around and get back to you if I bump into an good answer. You should email the people at Lending Tree as they probably could help you..
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I also had a problem with Cap1. I had a charge off in 1999 and received an offer from them to reopen the account last may. I agreed only to discover that it was not the old account they just transferred the debt to a completely new card and left the old tradeline listed as a charge off. I have spoken with Mr. Cook and he is trying to help but the whole experience has me p.o.'d...
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There is a nubmer of us here with this same problem. Since they will not delete without full payment, do you just settle and take the hit on the report? Or keep negotiating until a lawsuit falls on your lap? It's a tough question I've never seen a real clear answer to...
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I guess my other questions will be.... Since I sent the validation ltr to the CA and CapOne (who is the OC) sent me copies of contract, Is the CA off the hook? If my validation ltr is for the CA then why is CapOne answering it? do you think CA knows that CapOne sent me copy of contract?.
Man, I am somewhat confused. My plan of settling is on hold..... |
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Who is the CA? My account went to TriAdvantage who I'm pretty sure is Cap1 assigned CA. Maybe others can help with the whole assigned CA/validation senerio. Sounds to me like you have been validated...
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Yup, Triadvantage is the CA. so far they've been passive. The thing is, I have my wife's FUSA acct with them too. I'm thinking there might be some kind of domino effect if I start settling with them...
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Hi, After many phone calls and lots of hanging up and rude answers from them, I reached an agreement with Arrow, for Cap1 acc, but only as settled, but it's not done yet.(Payment has not been made) And, to my surprise, in the middle of this, it got deleted from Eq!! Still on TU, not in Ex...Got my fingers crossed it won't get back once the payment and the reporting is done...If I were you, I'd try , it all depends on who is in charge of your acc. mine was in the hands of the worst!! Good luck!..
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Arrow settled 2 accounts with me for my wife for about .35$ on the dollar. Now it is just a matter of getting the settled tradeline removed. I was usually able to get 35 to 40 cents on the dollar from all CA's by going into a long winded excuse as to her problems with paying the debts, (Her ex-husband owes maybe $50k in back child support), but not removal of the negative tradeline..
The grand exception was the nutheads at RMA who are rather rude, lawless in general. Their final settlement is going to be .00$ on the dollar... |
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Go after RMA with the attempt to sue. They never validate are about as bad as Arrow. As far as Cap1, I called them up just to settle the account so that I can get a mortgage and they offered me 50%. I took it because I need to get it paid, but they won't get a dime until I get it in writing like they said I would. Surprisingly they were pleasant on the phone to deal with. My advise is to just call the OC and tell them you want to settle the account if you need to get it paid.
RMA and Arrow are just thugs and money beggars. So document everything when dealing with these fools... |
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I'm a little foggy on this - with the assigned status and the CA not reporting.....
If one settles with the CA, you can pretty much count on the rest of the debt being sold to another CA, right?. In order to get it waived you'd have to settle with Cap1 and get a 1099 for the amount waived, no?. Thanks!.. |
