Reply
Member
Posts: 6
Registered: ‎11-14-2009
0

MIdland Funding

I recently received a "Pre-Legal Notification" from Midland Funding in the amount of $1512 and after pulling my CR, they show a DOFD of 03/2006.  I believe they have the incorrect date and that they are out of the SOL however I don't have anything to prove this.   They note the OC is CIT Bank (which I is Dell Financial Services) which is not on my CR either to look back at the history with them.  Would CIT Bank have this information still...? What should I do...?   Please help!  I don't want this to go to an attorney or end up in court over this!

New Contributor
Posts: 50
Registered: ‎06-18-2012
0

Re: MIdland Funding

Midland is a bully.  THey have a whole trashbag full of dirty tricks that they pull.   Which state are you in?  If you are outside the statute of limitations, all you have to do is tell them to suck eggs.  Then if they do sue you in court, you show up, tell the judge its out of the sol, he ll say case dismissed.   If they dont in fact intend to sue you, and its but an idle threat, thats a violation of the fdcpa.   If in addition the notice isnt from an actual law firm, and it s just an intimidation stunt i believe that is  a violation as well.   Oh and one more thing, you may want to look up robosigning as well.  Midland is getting in a LOT of trouble as in sued by attorney generals an such for this.

 Good luck,

 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.