Collection settelement - ARS lied

[REALISTICLYSPEAKING2014]

Hi All!

So, it attempting to repair some collection accounts, I reached out to ARS to settle (I think I had 5) accounts. I ended up settling 3 of them, not realizing if I had paid them in full they would be removed  (I just recently starting reading and investigating in MYFICO forums.) I ended up paying the balance on the ones I had settled and received LOR letters. Way to go huh?? Not so fast...

I had one more to pay in full $320.00 which I paid last week, but at the time of original arrangement I had asked if I could pay the balance of the other 2 as well and have them removed instead of showing just Paid. (the other 2 were $54.00 each). They expained that in order to remove the other smaller ones, I would have to first pay the larger one and at that time I could take care of the other 2 and get a LOR.

Well well, low and behold I paid the $320.00 in full and now they are telling me that since the other 2 accounts are so old, the system wont allow them to remove them? WTH! Was I scammed or what? The worst part is they wont be removed until 2017? I told the agent I was going to dispute them, since I offered to pay in full but they wont allow me to. Its only $108.00!!!

They record all conversations and I would sure like to have a copy of that one! Has anyone ever expereienced this same situation? I have one more Collection I am paying off and my goal is to have all 3 scores at 700 by end of the year.

Any advise?

Thanks!

[gdale6]

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@REALISTICLYSPEAKING2014 wrote:

Hi All!

So, it attempting to repair some collection accounts, I reached out to ARS to settle (I think I had 5) accounts. I ended up settling 3 of them, not realizing if I had paid them in full they would be removed  (I just recently starting reading and investigating in MYFICO forums.) I ended up paying the balance on the ones I had settled and received LOR letters. Way to go huh?? Not so fast...

I had one more to pay in full $320.00 which I paid last week, but at the time of original arrangement I had asked if I could pay the balance of the other 2 as well and have them removed instead of showing just Paid. (the other 2 were $54.00 each). They expained that in order to remove the other smaller ones, I would have to first pay the larger one and at that time I could take care of the other 2 and get a LOR.

Well well, low and behold I paid the $320.00 in full and now they are telling me that since the other 2 accounts are so old, the system wont allow them to remove them? WTH! Was I scammed or what? Yes you were, if you didnt get the agreement in writing it doesnt exist. What your options are is the BBB and GW, and that is BS about them not being able to remove, they can do it very quickly if they want to. There job is to get money out of you in any way shape or form and if it includes lies so be it. If you still owe on other collections with them no further contact by phone send them your deal by mail and if they dont take it forget it for now, the older they get the less they will settle for. I hope these are all out of your states SOL.

The worst part is they wont be removed until 2017? I told the agent I was going to dispute them, since I offered to pay in full but they wont allow me to. Its only $108.00!!!

They record all conversations and I would sure like to have a copy of that one! Has anyone ever expereienced this same situation? I have one more Collection I am paying off and my goal is to have all 3 scores at 700 by end of the year.

Any advise?

Thanks!

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 Rule #1 for your future dealings with CAs & JDBs should you need to is, stay off the phone and communicate via us mail only.

[REALISTICLYSPEAKING2014]

Thank you! I have just filed a complaint with my local BBB. Hopefully they will be able to help get this resolved. I will let you know the outcome.

Bad business, especially when trying to do the right thing! Damned if you do, damned if you dont???

Karma!

[RobertEG]

Not havng an agreement in writing does not mean that it does not exist.

Oral contracts are valid.

The issue is that enforcement of an oral contract is a lot tougher, as you would need to establish the fact of their promise.

That revolves around the consideration of evidency by both parties.

Evaluation of evidence and reaching a binding determination is the purview of the courts.

You can sue them for breach of oral contract.

Dispute with a CRA has its own particular problems, as the CRA policy is that furnishers should not delete based on payment of a debt.

Thus, a dispute may be viewed as a request to ask the CRA to intervene in supporting a deletion that is contrary totheir policy.

Additionally, if they forward the dispute to the debt collector, the debt collector is required only to investigate, and if they find their reporting to be accurate, state that they verify.  The CRA , having no independent basis for deletion based only on your assertion or evidence, will most likely verify based on the verification provided by the debt collector.  The dispute process thus does not result in an evaluation of who is correct.

[REALISTICLYSPEAKING2014]

Thanks so much for your guidance! I know I shouldnt be emotional about this, but the more I thought about this the more it upsets me! I just went to transunion, filed 2 disputes (since there are 2 accounts) and supplied a copy of the report I received from the Better Business Bureau claim I filed and the LOR letter for the 321.00! I cannot believe I am having to do all of this leg work and yes, I know even though its my fault this happened, I am now trying to do the right thing and it just bothers me that people dont stand by their word.

I will let you know the outcome..I wont give up! Either way, I will fight for this until I have nothing else to do but give up! Its principle now!

[REALISTICLYSPEAKING2014]

 So, after disputing all 3 ARS accounts and uploading the BBB Compaint letter, I got an email less that 24 hours later from Transunion saying they were all removed!!! It  took some time and patience, but I WIN!!! Well on my way to the 700's

Thanks for your help!

ACCOUNT RESOLUTION SERVI	# 70558348000000000000000000****	DELETED
ACCOUNT RESOLUTION SERVI	# 203****	DELETED
ACCOUNT RESOLUTION SERVI	# 215****	DELETED

[REALISTICLYSPEAKING2014]

Question - How much do you think these medical collections impacted my FICO score? Do you think it will be substantially higher next reporting cycle?

[gdale6]

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@REALISTICLYSPEAKING2014 wrote:

 So, after disputing all 3 ARS accounts and uploading the BBB Compaint letter, I got an email less that 24 hours later from Transunion saying they were all removed!!! It  took some time and patience, but I WIN!!! Well on my way to the 700's

Thanks for your help!

ACCOUNT RESOLUTION SERVI	# 70558348000000000000000000****	DELETED
ACCOUNT RESOLUTION SERVI	# 203****	DELETED
ACCOUNT RESOLUTION SERVI	# 215****	DELETED

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Depends on when they last reported as to what affect they might have on your score. If more recently reporting then the point recovery will be higher than if they were older. Congrats on ther disapperance.

[REALISTICLYSPEAKING2014]

Thanks gdale6 - i just went and looked at all 3, and all were last reported 11/2012 and one was 1/2013. I had paid off 2 older accounts for 141.00 in Jan 2014 and another for 350+ just a couple weeks ago and got LOR for both of these, so I guess there will a bigger increase next month/cycle? I guess it will be when they update their systems

CRA but unsure how often they do that? Any clue?