If you think for a second that you may be legally obligated for the debt: Pay it.
I'm trying to figure out why the company is "bogus." Did they not provide the service that they promised? It sounds like the only problem is that they still want to charge you for the service after you backed out. But their service is finding you a loan. They already did the work. Why shouldn't they get paid for their work?
Thought you could continually dispute hoping they would, eventually, fail to respond and it would disappear. Reason being that I've pulled reports on people, that have applied more than once, and derogatory creditors would be absent from the new one. Other than the "identity theft" scam(which they didn't do) I couldn't see how else to do it.That wont do anything if this company can prove to the bureaus that he owes the debt.
This is what it reads on your credit under the tradeline if you dispute it and lose:
"Dispite filed. Dispute resolved. Consumer disagrees."
If you don't plan on financing anything in the near future, then take the hit on your credit. A single collection won't hurt very much after 12-18 months.
Thought you could continually dispute hoping they would, eventually, fail to respond and it would disappear. Reason being that I've pulled reports on people, that have applied more than once, and derogatory creditors would be absent from the new one. Other than the "identity theft" scam(which they didn't do) I couldn't see how else to do it.
But if she did agree to a processing fee, there is no point in disputing it, you will lose, and it will go to collection.
Nope. Charge offs with companies similar to my own but these were multi office corps that would follow up on disputes through e-oscar. Fairly regularly (1 of 10 maybe), I'll pull reports with time gaps in the credit history. I'll make a few local calls and, sure enough, they have been charged off around town but it's "missing" on the report.They may have had a legitimate dispute and won.
We can not decide that without the before and after.The first mistake is using loans to pay for cosmetic surgery.
The first mistake is using loans to pay for cosmetic surgery.
That wont do anything if this company can prove to the bureaus that he owes the debt.
This is what it reads on your credit under the tradeline if you dispute it and lose:
"Dispute filed. Dispute resolved. Consumer disagrees."
If you don't plan on financing anything in the near future, then take the hit on your credit. A single collection won't hurt very much after 12-18 months.
Pics of tits please.
On a serious note, take it from someone in the credit industry: If you think for a second that you may be legally obligated for the debt: Pay it. Then try and fight them to get it back with whatever consumer protection law you want.
$150 is not worth the damage that sinking one or more of your credit scores can do.
........ Maybe a month later she gets a card in the mail. She was pissed at the time cause she said she didn't want it. I told her it wasn't a big deal, we aren't going to use it and not to worry about it.
Sounds like your fault for not letting her take care of the problem when it arose.
Search for the word "fee" on that page and it comes up, specifically:
The way they put it seems like you'd only have to pay the fee if you accept - but I'm not a lying son of a - I mean - a lawyer.
The way I read this... unless I'm misinterpreting something, is that a company (outside of bank/credit union, which these guys are definitely not) cannot charge a fee for securing a loan.
You'd think, yup, doesn't mean jack though and isn't relevant. It is there.1. A fee of that size you would think would be listed outside of the TOS (wall of text). She had no inclination that there was a fee and as such did not ctrl + F for those words.
Shady as fuck yeah. Doesn't mean anything though. Accounts are opened and closed all the time.2. They accepted the card for her, even when she told them they did not want the card.
Thats pretty much true anywhere. You think too much about it though. It doesn't matter if she "accepts" the card or not. Do you think a consumer "accepts" an account opened by a collection agency for bad debt?3. In Florida, charging advance fee's for searching/securing loans is illegal. Since she did not accept the card and they were going to charge her the fee regardless of her acceptance of the card, it is essentially an advanced fee.
Irrelevant. Read the FDCPA to see what they can and cannot do. There should be specific wording in a number of notices. If the original creditor is acting as a collection agency specifically. If its simply collecting on its own account, there is another set of rules.4. When they sent her collection notices they worded it in a very aggressive/extortionistic manner.
Irrelevant. CA's are scumbags and you seem to have gotten the worst. :/ Sucks. The wrong name is not indicative of anything but a "typo". It has to get into a courtroom for it to even matter.5. On one of the collection notices they sent her it has the wrong name. Clearly the company is very unorganized everything is being run wildly.
All in all, I've already decided I will not be paying the $150. If I thought they were legit and this was truly our faults, sure I'd pay up. But this company makes its money off of deceptive business practices, lying and extortion. I will not pay money to a company like that, period.