Recent content by KLAchemist

Ok, I filed a complaint and have drafted an angry complaint letter to send to MBNA. Thanks for the help with the "legalese".

Just speaking from experience, what LadynRed said is true. Everytime my husband's car lease is more than 5 days late the bank dips into our joint account and helps themselves to the funds for both the current and next payment. It is in the black and white of the lease contract. Hope this helps.

I did read the information, thanks JETX. But I am still a little confused. Do I have to opt out to prevent them from sharing information with family members? (Ie., in addition to a letter of complaint, add that I wish to opt out of them sharing info with third parties). I still feel this...

Would it be a waste of time to send the president of MBNA a letter saying that my rights were violated and to cease and desist from calling my parents? I know that they are not bound by the FDCPA, but at this point, I am not really wanting to reward them with a phone call when they not only...

Do original creditors have to abide by a cease and desist letter?

What is the name of your state? OH I know that the FDCPA only applies to collections, but are original creditors bound by ANY rules at all or can they do whatever they want? MBNA just called my parents' home where I have NEVER lived and discussed my account including the balance...

What is the name of your state?OH What do you do when there is an incorrect address listed on your credit report? Due to the problems that my husband has had, I just checked my CR today and found that both my current correct address and an incorrect address are listed. Also there is a...

Thanks We will most certainly do this. Although, it does look like all the attorney's office is doing at the moment is trying to scare us into paying. We got a letter yesterday from them that is the typical initial correspondence letter from a CA and please call so and so to set up payment...

Ok thanks everyone If you read my previous post these idiots also called and spoke to one of my husband's coworkers requesting the same info: employment verification and income. They even mentioned they were attempting to collect his debt, which is a no no. Nonetheless, it seems that they are...

Umm, ok, thanks, but what I was asking was... I was not asking about disputes per se, but was asking whether the CA had the right to do what I described above or would it be considered unlawful harassment under the FDCPA. However, the info you provided did help for other reasons, so thanks. ;)

What is the name of your state? OH Ok, someone from the previously described dirtbag attorney's office called MY place of employment looking for my husband and then looking for ME. This is my husband's debt incurred before we were married. The caller asked a coworker to verify MY employment...

Oh, and... I guess we were trying to deal directly with Citi/ ATT Universal since the account is still in house and not charged off. I am thinking of going the attorney route to see whether he can help us settle this without charge off. Thanks again.

Thanks!!! At least we know what we are dealing with. Thanks again.

If the ATT card is current, why are you writing a goodwill letter? What kind of goodwill are you asking for? What happened? We wrote a letter asking AT&T to continue accepting our payments, and stating that we want to pay off the account in full according to the credit card agreement. We also...

What is the name of your state?OH This is a repost from another forum I also visit, but it is urgent and I thought I'd check here too to see if anyone has any advice. Thanks for anything you have to suggest. Just as I am writing my goodwill letter, my husband was contacted at work by someone...