A little help please

[newstart2010]

So a little background.  My husband and I have been rebuilding our credit for the last 3 years.  I have no derogs anymore and he has 1.  A car repo from Santander that is dated to come off his credit in April of this year.  

I just received a call a collection agency who did not reveal their company name.  They asked me to pay a settled amount for the santander note, and that they were collecting for santander.  All of a suddenshe turns her attention on me and says she has a file on me.  480$ for an Advance America account from 2010 where I co-signed for my mother in law on a pay day advance.  Problem is my mother in law has never worked a day in her life, never needed a payday loan, never got a payday loan, and I've never cosigned for anything in my life.  She said that she wanted me to pay this too.  I told her I needed the address to send them a verification letter, and she kept talking over me and refusing to give me information.  I told her I would need proof for that account and that there is no such thing that exists since I never cosigned onthe account and the payday never existed.

Now I'm pretty sure the santander account is past the statute of limitations.  I live in Florida and the car was purchased in Washington State, and the car was voluntarily returned to the car company to pay off the account.  They never reduced the amount by the amount they received in auction for the vehicle.  We are over 7 years from the last date of activity as the account is due to come off the report in April.

I don't know what to do about the Advance America account.  I don't know who this company is, I have no information on them, I just have the phone number they called me from.  A quick search reveals some canadian pharma company and some loan company. No collection company.  Nothing about this company is on either of our credit reports.  

[gdale6]

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@newstart2010 wrote:

So a little background.  My husband and I have been rebuilding our credit for the last 3 years.  I have no derogs anymore and he has 1.  A car repo from Santander that is dated to come off his credit in April of this year.  

I just received a call a collection agency who did not reveal their company name.  They asked me to pay a settled amount for the santander note, and that they were collecting for santander.  All of a suddenshe turns her attention on me and says she has a file on me.  480$ for an Advance America account from 2010 where I co-signed for my mother in law on a pay day advance.  Problem is my mother in law has never worked a day in her life, never needed a payday loan, never got a payday loan, and I've never cosigned for anything in my life.  She said that she wanted me to pay this too.  I told her I needed the address to send them a verification letter, and she kept talking over me and refusing to give me information.  I told her I would need proof for that account and that there is no such thing that exists since I never cosigned onthe account and the payday never existed.

Now I'm pretty sure the santander account is past the statute of limitations.  I live in Florida and the car was purchased in Washington State, and the car was voluntarily returned to the car company to pay off the account.  They never reduced the amount by the amount they received in auction for the vehicle.  We are over 7 years from the last date of activity as the account is due to come off the report in April.

I don't know what to do about the Advance America account.  I don't know who this company is, I have no information on them, I just have the phone number they called me from.  A quick search reveals some canadian pharma company and some loan company. No collection company.  Nothing about this company is on either of our credit reports.  

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Write or call the CRAs and ask for early exclusion of that car loan. If this past SOL just send the CA a FOAD letter if you have an address to send it to. Advance America is a National Payday loan company. There are so many scams out there concerning payday loans I would not do anything unless they send you something in writing and if they are spoofing their phone number to you then I would say its a shady JDB to begin with and possibly not a valid collector at all. BTW derog CRTP is from the DoFD of an account that has been COed not the DOLA.

[newstart2010]

I don't have any information on this CA at all.  She refused togive info when asked and was rude and spoke over me so I hung up.  I just don't want them to put something on my credit with the santander account just about to come off and the payday loan obviously being bogus.

If they do put something on there without giving us proper notice and information, or refusing to allow us to have proof, what do I do?

[Anonymous]

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@newstart2010 wrote:

I don't have any information on this CA at all.  She refused togive info when asked and was rude and spoke over me so I hung up.  I just don't want them to put something on my credit with the santander account just about to come off and the payday loan obviously being bogus.

If they do put something on there without giving us proper notice and information, or refusing to allow us to have proof, what do I do?

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Main thing I would do if you haven't already is write down everything you can remember about the conversation, name, amounts talked about, date, time etc. Anything you can remember. You will want to be able to provide this on your behalf if anything does come of it like being put onto your report.

Other than that, go on with your credit rebuilding...

[newstart2010]

the phone number that called me,in case someone else gets a call from the same number, is 253-426-3580.

[Momof5]

Weird.  A bing search brought this up: https://www.chamberofcommerce.com/tacoma-wa/45228910-everson-financial

I suspect the either Everson Financial closed their Tacoma office or this is a scam place that has spoofed their real number.....

I'd call the number and see who answers.

[Anonymous]

I would also go over to 800notes.com and who called me and report the number there as well.  I'm sure you're probably not the first.

[newstart2010]

yeah i immediately went to those sites to see if anyone had gotten called by that number as well.  I'm just hoping someone else is getting collection calls for santander and can lend more information to the situation.

[Anonymous]

This just sounds way too sketchy. If he is on the note for the car that was repo'd alone they should not even be talking to you about it i dont believe. Even back when i was married they would not let my now ex talk about my debt when they called.

[newstart2010]

I think this is Dynamic Recovery Solutions trying to collect. From what I can see online they have spoofed using that number in the past.  

So, how do I deal with this?   They havenot pulled the credit yet that I can see.  I checked both of our EQ reports.   But they did have our current address. She read it off to me.  Do I wait to see if we get a dunning letter?   We bought the car in washington, santander is in Texas, and we currently live inflorida.  EQ has a n/a on DoFD but has a last activity as 5/08.  We have been told by the CRAs that the account will fall off the credit in april.  Do we leave it alone and send them a cease and desist?  

And what do we do about the bogus payday loan?  Do we wait to see if they try and put it on our credit?  She claimed on the phone call that she had copies of our drivers licenses and signatures on the loan documents, but I know this is cannot possibly exist, and shewas using my married name which is not even my legal name and not the name I do business in.  So I'm not sure how they can verify this account.