topic Re: Think a GW would help here? in General Credit Topics

Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 04:02:25 GMT

Hi, all-

I've been divorced for almost 4 years. In the split, the ex got the house, and promptly started screwing up. He almost went into forclosure. He ended up selling the house a couple of years ago, but the lates are ofcourse showing up on my CR. I disputed, sending copies of the divorce decree, and understand why the lates were not removed from my CR. TU even shows a notation that the house was resposibility of ex spouse. I was wondering if antone here thinks a GW letter to Washington Mutual Mortgage co would do anygood.

Thanks in advance!

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 04:09:16 GMT

It is worth a shot.

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 04:24:32 GMT

you've got absolutely nothing to lose.

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 05:02:14 GMT

...except my time, which is highly valuable. ;-) Thanks!

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 08:04:25 GMT

TexMontana wrote:
...except my time, which is highly valuable. ;-) Thanks!

23 posts and 423 minutes spent online. It's ain't the Magna Carta, it's a GW letter.

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 14:48:35 GMT

Um. It was but a joke. Thanks for letting me know what I've been up to, though.

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 20:12:54 GMT

My attempt at humor seems to have failed to demonstrate that the time necessary for a GW letter isn't exhaustive, results vary, but your odds are much better than if you do nothing. There are no magic bullets, and GW doesn't always succeed the first time. However, you don't have any other options if the lates were legit lates and your name was on the mortgage at the time they were incurred.

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 20:23:48 GMT

Thanks- I figured as much.

I did send the mortgage company a GW letter. And heck, since I was in the mood and got a solid 2 1/2 hours of sleep last night, I went ahead and sent one to every other creditor I paid off for the ex. And why not throw in a PFD while I'm at it? Done!

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 21:08:13 GMT

The GW may get you somewhere. Since the loan is now paid off, nothing to PFD. Although some have wondered aloud about a form of PFD whereby one offers to pay some sort of "administrative fee" in exchange for a delete.

Re: Think a GW would help here?

fused — Mon, 25 Jun 2007 21:12:14 GMT

Noah_Bodie wrote:
The GW may get you somewhere. Since the loan is now paid off, nothing to PFD. Although some have wondered aloud about a form of PFD whereby one offers to pay some sort of "administrative fee" in exchange for a delete.

This admin fee, sounds like the lender is accepting a kickback. Just a thought!

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 21:43:19 GMT

fused111 wrote:

Noah_Bodie wrote:
The GW may get you somewhere. Since the loan is now paid off, nothing to PFD. Although some have wondered aloud about a form of PFD whereby one offers to pay some sort of "administrative fee" in exchange for a delete.

This admin fee, sounds like the lender is accepting a kickback. Just a thought!

Yeah, it does sound like it's perhaps problematic.

The way I originally heard it presented was this. The OC (a CCC I think) had waived some late and overlimit fees. The debtor offered to pay those in exchange for a delete. This way there was something legit to pay.

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 22:51:53 GMT

The PFD was for something else- an old cc that last pymnt was in march '04. Strangely - they just happened to call me a couple of minutes ago. I stated that I had actually just sent a letter. Collector wanted to know what it said, exactly...Told him I had sent a settlement offer and that I knew the SOL was three years in my state. Oh, man! He went off like a bottlerocket! The things he said. So offensive to a little ol' southern gal. He called on my cell phone and was breaking up a little - I said "Excuse me?" because I didn't hear everything he said, and he says, "Did I STUTTER?"

I hung up.

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 23:08:20 GMT

TexMontana wrote:
Strangely - they just happened to call me a couple of minutes ago. I stated that I had actually just sent a letter. Collector wanted to know what it said, exactly...Told him I had sent a settlement offer and that I knew the SOL was three years in my state. Oh, man! He went off like a bottlerocket! The things he said. So offensive to a little ol' southern gal.

I'm gonna go out on a limb here and presume you're either in Texas or Montana.

If it's Texas, you can tape your phone calls and you don't have to tell the person on the other end you are recording. If it's Montana, then you do have to tell them you are recording.

http://www.rcfp.org/taping/states.html

If you're in Texas, the consumer protection laws are quite strong. Texas AG has a lot on their website, and I believe their office is quite helpful to consumers dealing with a CA who would seem to clearly be in violation of the law. Catch 'em on tape using profanity, threats (legal or physical threats), et al. and you can perhaps make them end up paying you to delete. There are lots of consumer lawyers eager to take cases of CAs caught on tape making threats and using profanity. Sadly, this sort of behavior is all too common amongst CAs and JDBs.

In Montana, while you have to tell them you are recording, it can still work to your benefit. Has a way of "soothing the savage beast" when they know they are being recorded and can later be used against them in a court of law.

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 23:24:18 GMT

From Texas

In Oklahoma!

And much thanks!

I read the sol's in my state and I think I understand that it's three years. The account was closed in 2002, and the last payment was in 2004. The polite gentleman caller said I "could try and sell that crap to somebody who's buying!"

I just jotted a short and sweet DON'T EVER CALL ME AGAIN letter that I will send CMRRR tomorrow.

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 23:48:34 GMT

http://www.rcfp.org/taping/states/oklahoma.html

In Oklahoma, you can record and you don't have to tell 'em you're recording.

Only thing about Cease and Desist, they won't ever call you but the TL won't drop from your CRs. If you keep the lines of communication open, they might continue to harass and use profane language, and that can mean you get paid.

If you record 'em, and they are the same potty mouth fools, you've got more than adequate grounds to get a "heavily leveraged" PFD.

Re: Think a GW would help here?

Anonymous — Mon, 25 Jun 2007 23:53:03 GMT

I like the way you think.

Re: Think a GW would help here?

Anonymous — Tue, 26 Jun 2007 00:05:23 GMT

Must have some Texan in me. Give 'em the rope while I go find a horse and a tree.

Re: Think a GW would help here?

Anonymous — Tue, 26 Jun 2007 04:40:29 GMT

This is getting a 5 in ranking. Best thing I have heard all day. TY

Noah_Bodie wrote:
Must have some Texan in me. Give 'em the rope while I go find a horse and a tree.

Message Edited by Timothy on 06-25-2007 09:40 PM