Midland, Again!

[Anonymous]

Midland totally ignored my DV. I was going to send them a Settle-FD but they fall off in end of June so screw 'em. What I WILL do is sent the CRAs an 'expired' the day it does.

[Anonymous]

"There is a letter to send to an OC....not a DV!! It should be sent CMRRR. The OC does NOT have to answer it unless you have disputed with the CRA and it came back verified!"

So I 'OC'd Cap1 and Bally's, both of whom verified with the CRAs in December (actually Bally's dropped of TU and Eq but remained on Efx).

They never replied.

So now if I send a letter stating a) it was verified and b) they did not DV, does that mean Bally's has to take it off the report? One is still in SOL, one is not.

[Anonymous]

Vesper,

I have been doing the same thing you have been doing: watching and learning and becoming more confused!

I have no problem DVing these people, but just want to make sure it is the right move.  If they come back and try to sue me, I will be SOL because I do not have this money to pay.  It is hare do look at my reports, and although  there are other baddies on there, and see Midland, 120 days late, balance due 1100!  It is the only negative account of mine showing a balance and they make sure they update every month!

I will keep watching, and asking...and hopfully I will be clear enough in my understanding to make an informed decision about this thing!

Good luck with yours.

RML

[Anonymous]

---

@Anonymous wrote:

Vesper,

I have been doing the same thing you have been doing: watching and learning and becoming more confused!

I have no problem DVing these people, but just want to make sure it is the right move. If they come back and try to sue me, I will be SOL because I do not have this money to pay. It is hare do look at my reports, and although there are other baddies on there, and see Midland, 120 days late, balance due 1100! It is the only negative account of mine showing a balance and they make sure they update every month!

I will keep watching, and asking...and hopfully I will be clear enough in my understanding to make an informed decision about this thing!

Good luck with yours.

RML

---

I know exactly what you mean! My balance is $1495 with Midland I really don't have the money, but I want to fix it and have it off my CR! Like you, I just want to make sure I am right about everything before making a move. They are the biggest ones on my CR. I've made some bad mistakes before and I wish I had come to this website. I got a summons by a CA for Providian and I got so scared that I paid them way more than they should've gotten, but $500 less than what they were asking for. If I had known all about these rules, it would have saved me some money. I don't mind paying what I owe, but all that interest and lawyer fees..no way! And now it is on my CR for a while. Sux! Anyway, that is my rant for today. Good luck to you as well!

[atlastontheroad]

This is the bogus collection that never ends.  Is there a song in there somewhere?

The BBB complaint got Midland's attention.  They acknowledge the my dispute and are in the process of "verifying" the debt."

Then they'll talk with me.  I can't wait to see what they have to say.  I certainly hope that the AGs offices get to them first. 

Lawyer, next week.

In my perfect world, this would be out of my life by next Friday.

atlast.....dreamer

[Anonymous]

I am so watching how this turns out for you!  I love your resolve!  But all of this has got to be draining as hell as well!

Good Luck!