topic Re: Payment to CA or Orignial Creditor in General Credit Topics

Payment to CA or Orignial Creditor

Anonymous — Wed, 23 May 2007 18:43:27 GMT

I have an accout in collections and was thinking of mailing a payment to the orginal credit via check even though the account is with collections (the CA is giving me the run around with a PFD). Any suggestions?

After the cash I was thinking of disputing as not mine (the collections part).

Re: Payment to CA or Orignial Creditor

Anonymous — Wed, 23 May 2007 18:54:00 GMT

You can't just send it into the original creditor. You have first have to find out if the debt was assigned to a CA or was the debt sold to the CA

If the CA was assigned to the debt you have to call the OC and make arrangements and even then they might still send you back to the CA that is what they paid them for, but you can call them and see if you set up arrangments, if succesful , make sure the CA was notified and you should follow up on that as well and keep all receipts and get a letter stating you have statisfied the debt.

If the CA owns the debt, then you have no choice you have to pay to CA.

Re: Payment to CA or Orignial Creditor

Anonymous — Wed, 23 May 2007 19:08:46 GMT

Got it thanks.

Geez these CA are something else. It drives me crazy!

Re: Payment to CA or Orignial Creditor

Anonymous — Wed, 23 May 2007 19:14:15 GMT

May I be nosy and ask who the CA is?

Im working myself to death trying to get PFD letters too...but all im getting from everyone is "thats impossible...an account cannot be deleted from a credit file"

Re: Payment to CA or Orignial Creditor

Anonymous — Wed, 23 May 2007 19:25:10 GMT

That I wish I could help you with but I was 0 for 5 on PFD. but my main problem was I didn't have the total balance due upfront so I had to work out payment arrangments.

Re: Payment to CA or Orignial Creditor

Anonymous — Wed, 23 May 2007 19:39:34 GMT

kham, this board is full of people who will tell you that it is absolutely not impossible, in fact I'd venture to say 80% of us have successfully removed accounts.

Re: Payment to CA or Orignial Creditor

Cory — Wed, 23 May 2007 19:57:55 GMT

Personally speaking, depending on everyone situation, what I am going to do is talk to the original creditor and the collections agency.

If the collections agency refuses to accept the PFD letter, then I am not sending them anything and I will tell them up front.

If they try and tell me they will take me to court, I'll say so be it. Any Judge in their right mind should be able to side with me seeing that I'm trying to pay the debt.

One CA, has made a mess of my credit report. So I'm going to tell them before you get this money, you have to fix the mess you made.

These CA are difficult to deal with.

Cory

Re: Payment to CA or Orignial Creditor

Anonymous — Wed, 23 May 2007 20:09:29 GMT

Cory wrote:
Personally speaking, depending on everyone situation, what I am going to do is talk to the original creditor and the collections agency.

If the collections agency refuses to accept the PFD letter, then I am not sending them anything and I will tell them up front.

If they try and tell me they will take me to court, I'll say so be it. Any Judge in their right mind should be able to side with me seeing that I'm trying to pay the debt.

One CA, has made a mess of my credit report. So I'm going to tell them before you get this money, you have to fix the mess you made.

These CA are difficult to deal with.

Cory

Just be very weary of how far to push it, because they will say in their defense that asking for a PFD is a breach of contract with the CRA's and the judge will most likely side with them.

Re: Payment to CA or Orignial Creditor

Cory — Wed, 23 May 2007 20:29:19 GMT

Okay, thank you. I'm sure I can work something out.

Boswd wrote:

Cory wrote:
Personally speaking, depending on everyone situation, what I am going to do is talk to the original creditor and the collections agency.

If the collections agency refuses to accept the PFD letter, then I am not sending them anything and I will tell them up front.

If they try and tell me they will take me to court, I'll say so be it. Any Judge in their right mind should be able to side with me seeing that I'm trying to pay the debt.

One CA, has made a mess of my credit report. So I'm going to tell them before you get this money, you have to fix the mess you made.

These CA are difficult to deal with.

Cory

Just be very weary of how far to push it, because they will say in their defense that asking for a PFD is a breach of contract with the CRA's and the judge will most likely side with them.

Cory

Re: Payment to CA or Orignial Creditor

Anonymous — Wed, 23 May 2007 22:01:18 GMT

I know, ive seen it...but how on earth has anyone gotten a CA or OC to delete. I have called CAs and OCs and they keep telling me its impossible to delete....they are not budging!

Seriously.....what good would it do me to pay, if its still stuck on my credit report??

Re: Payment to CA or Orignial Creditor

Tuscani — Thu, 24 May 2007 11:33:15 GMT

kham wrote:
I know, ive seen it...but how on earth has anyone gotten a CA or OC to delete. I have called CAs and OCs and they keep telling me its impossible to delete....they are not budging!
Seriously.....what good would it do me to pay, if its still stuck on my credit report??

In terms of scoring... proabably nothing.. But a paid obviously looks better in a manual review and is required for some loans like a mortgage.

Re: Payment to CA or Orignial Creditor

Anonymous — Thu, 24 May 2007 13:01:11 GMT

and also it gets them off your back, you paid a debt that was owed, you don't have that pit in your stomach when the phone rings, you don't have to fear opening up your mailbox, and you stop worrying about if one day someone is going to show up on the doorstep issuing a summons to appear in court. Oh yeah I remember those days quite well. It's not a fun way to go through life.

Re: Payment to CA or Orignial Creditor

Anonymous — Thu, 24 May 2007 14:18:44 GMT

Hi I'm new to this site but I have a question since you seem like you know a bit about having to deal with CA, I have medical bills on my collections portions of my credit which is the only hold back as I see for my score being not so good, but I have paid the OC and when I inform the CRA about the account being paid, and get a revised report on it, the CA takes credit for collecting instead of the true reciever considering the fact I never had contact with the CA but I"ve been contacted by the OC and it seems like the OC had already appointed a CA but was still trying to collect from me.

Re: Payment to CA or Orignial Creditor

Anonymous — Thu, 24 May 2007 14:22:20 GMT

Is the CA showing up on your credit report?

Re: Payment to CA or Orignial Creditor

Anonymous — Thu, 24 May 2007 17:29:52 GMT

NCO

Re: Payment to CA or Orignial Creditor

Anonymous — Sun, 27 May 2007 20:32:20 GMT

CA still with OC.
CA said will not delete, called OC and here is my letter to them.

Credit Department
Cox Communications
1550 W. Deer Valley Rd.
Phoenix, AZ 85027

Re: Account #: XX Cox Communications
Amount: $327.93

Cox Communications:

I just got off the phone with one of your wonderful Representatives Jessica. She was very helpful in providing the information I requested. Jessica informed me that by policy Cox Communications will withdraw my account from collections and remove the negative entries from my credit report after full payment has been made.

In light of Jessica’s statement, I am willing to pay this account IN FULL if you agree to: Withdraw this account from your collections agency and an immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion) Listed as Acct XXXX Credit Control Corp. The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.

If you agree to the terms and accept this agreement, convert the attached promise into a Negotiable instrument in the amount of three hundred twenty seven dollars and 93 cents ($327.93) in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt.

Cox Communications agrees to have Credit Control Corporation delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone. If contacted by any third party, including credit-reporting agencies, Cox Communications nor Credit Control Corporation will not acknowledge that any settlement offer was made, accepted or executed and report the alleged debt as “unverifiable”.

If you agree to the above terms, please deposit the attached promise. Depositing this Negotiable instrument (see ARS 47-3104) shall constitute a legally binding contract, enforceable under the laws of Arizona.
Please address all correspondence regarding this account to:

Timothy

Re: Payment to CA or Orignial Creditor

Anonymous — Tue, 05 Jun 2007 14:25:23 GMT

They took the bait and deposited the check !!!!!

This will remove all CA from TU and leave 1 on EQ and EX!!!!

Re: Payment to CA or Orignial Creditor

Anonymous — Tue, 19 Jun 2007 12:50:46 GMT

@Anonymous wrote:
They took the bait and deposited the check !!!!!

This will remove all CA from TU and leave 1 on EQ and EX!!!!

REMOVED!!!!
From EQ and TU as of yesterday!!!!!!!!!!!!!

Re: Payment to CA or Orignial Creditor

Tuscani — Tue, 19 Jun 2007 13:09:19 GMT

Congrats!

Re: Payment to CA or Orignial Creditor

Anonymous — Tue, 19 Jun 2007 13:31:39 GMT

@Tuscani wrote:
Congrats!

Thank you-

I hope I get those 30 points back !!!!!!
As that is how many points I lost when it was added.

Message Edited by Timothy on 06-19-2007 06:31 AM