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midland refused payment?

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guiness56
Epic Contributor

Re: midland refused payment?

Message 11 of 22
singleindependentmom
New Contributor

Re: midland refused payment?

 


@guiness56 wrote:

@singleindependentmom wrote:

I have an account with them, and it's in dispute,and they always accept my payment.  maybe ask to talk to a manager?


If you sent a DV and they did not respond they are under a cease collection bar until they validate.  They cannot accept money from you.


I didn't send a DV letter.. I disputed for other reasons.


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Current Score: Experian 630 and everything still In Progress
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Message 12 of 22
guiness56
Epic Contributor

Re: midland refused payment?

A dispute doesn't put a cease collection bar, only a DV.  Since the OP sent a DV and they didn't respond, that did, if it was timely.

Message 13 of 22
Pigeyex
Frequent Contributor

Re: midland refused payment?


@guiness56 wrote:

Technically, until you reverse your dispute they cannot accept payment.


I just made final payment to Midland (and received my faxed letter showing paid-in-full, and will update all three bureaus -- and it was gladly accepted while my account was in dispute with them.

 


Pigeye

_________________________________________________________

2007 - 2010 low point: mid-500s

With the help of myFICO community, now: 714 EQ FICO

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Message 14 of 22
singleindependentmom
New Contributor

Re: midland refused payment?

 


@guiness56 wrote:

A dispute doesn't put a cease collection bar, only a DV.  Since the OP sent a DV and they didn't respond, that did, if it was timely.


got it! Thanks!!


Starting Score: Experian 514 Equifax 510 TransUnion 510
Current Score: Experian 630 and everything still In Progress
Goal Score: First Goal 650


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Message 15 of 22
guiness56
Epic Contributor

Re: midland refused payment?


@Pigeyex wrote:

@guiness56 wrote:

Technically, until you reverse your dispute they cannot accept payment.


I just made final payment to Midland (and received my faxed letter showing paid-in-full, and will update all three bureaus -- and it was gladly accepted while my account was in dispute with them.

 


Pigeye


A dispute via a DV or just a dispute through the CRAs?

Message 16 of 22
newmomnewme
Valued Contributor

Re: midland refused payment?

@guiness56, honestly, I think they were probably about to close my account and delete it as they did the other one.....I may have jumped the gun on this, but at least its paid in full. I wanted to apply for my mortgage loans before the end of the year. Fingers crossed. Smiley Happy

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Message 17 of 22
guiness56
Epic Contributor

Re: midland refused payment?


@newmomnewme wrote:

@guiness56, honestly, I think they were probably about to close my account and delete it as they did the other one.....I may have jumped the gun on this, but at least its paid in full. I wanted to apply for my mortgage loans before the end of the year. Fingers crossed. Smiley Happy


I agree, better to play it safe with a mortgag looming ahead of you.  Good luck!

Message 18 of 22
singleindependentmom
New Contributor

Re: midland refused payment?


@newmomnewme wrote:

@guiness56, honestly, I think they were probably about to close my account and delete it as they did the other one.....I may have jumped the gun on this, but at least its paid in full. I wanted to apply for my mortgage loans before the end of the year. Fingers crossed. Smiley Happy


good luck!!!


Starting Score: Experian 514 Equifax 510 TransUnion 510
Current Score: Experian 630 and everything still In Progress
Goal Score: First Goal 650


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Message 19 of 22
newmomnewme
Valued Contributor

Re: midland refused payment?

Thanks all!!! I really couldn't have done it without you!  Smiley Tongue

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Message 20 of 22
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