I am SO PI$$ED!!!!

[furkidz3]

I have a closed cc with HSBC with 7-30 day lates, 1-60 day lates, and 1-90 day late all from late 2006 and 2007 (God, if only I had gotten to this forum before THESE showed up!!) Anyway, seeing what was on my report and since I was still getting statements from HSBC, and still accruing interest rate at 25% !!!! I called and talked to a CSR and asked if my account was sold to a CA yet. She said it had been "placed" with IC Systems but not sold. She confirmed with me that even though the account has been closed, I could still make payments to them on their website. (I would rather deal with them, than the CA. ) The current due date was April 2. I made a rush payment online (extra $15 for the rush) of $433.22 that was posted on April 1. So I thought Whew!! I made it!! I got current with this one.

Well, guess what? I got an alert from TC about a new major derog on my Ex report. Someone, either HSBC or IC Systems reported my account on 3/31 a 120 day late!!! Ugg!!!! I can't seem to win when I am actually trying!!!So I called HSBC this morning and asked to speak to a supervisor (Jim, who was a real jerk-off )kept telling me I had to talk to IC Systems. I asked him who reports to the CRA since IC Systems is not even listed anywhere in my reports. He just kept telling me to talk to the CA. WTF?

Now what do I do?

[furkidz3]

Okay, so since no one has replied yet, I was thinking this through on my own.

Should I just send a PFD on the remaining amount to IC Systems? Just get the whole TL deleted from my credit reports?

I just don't have any contact information from them. And I sure don't want to call them and open up a hornets nest.

Ok, I am going to research the forum for IC Systems. Maybe I will get lucky.

[Anonymous]

Try a PFD with the OC.....not wwith the CA!!!   in writting not on the phone!

[furkidz3]

Okay, so I found a bunch of VERY USEFUL info on the forum about IC Systems. The only thing is IC Systems is not showing anything on my CRs. So if I send them the PFD will they in turn (if they agree to delete) contact the OC (HSBC) who can then delete the TL from my credit reports?

I have had success with a PFD with another CA but neither the OC or the CA had any listing yet on my CRs in that particular case, so I am not sure which way to go with this one.

Any suggestions --- from anyone?  Hellooooooo out there

[furkidz3]

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HappyDays wrote:

Try a PFD with the OC.....not wwith the CA!!!   in writting not on the phone!

---

Okay, sorry Happy Days, I was posting at the same time apparently.

Thanks.

[furkidz3]

Okay, I swear, just one more question about this.

I have 2 addresses for HSBC. One on my CR but it says attn: dispute processing.

Should I go with this one or the one on my cc statement where payments are sent?

I am not disputing, I am sending the PFD.

[Anonymous]

good question......I would send to the dispute one first.  wait and see what others say.