Unifund and a Law Firm......AGAIN!!!!

[bonddiva07]

Okay, here is the latest.  Unifund hired a law firm to collect from me or file suit if I didn't respond.  So after many letters and verifications.  I made payment arrangements with the law firm because Unifund no longer services this account.  So here's the deal

Unifund has still been adding interest since January when the law firm began handling the account who has also been adding interest at a much lower rate.  As of Feb 08 Unifund reports on my credit reports a balance of $2116 but the law firm has a balance of $2033.  I made my final payment yesterday but I am nervous about what is going to happen to the remaining $83 that Unifund is reporting.  I sent letters to Unifund to try to offer a PFD but no response.  So I called and found out they are no longer servicing my account

The lady at the law firm said they still shouldn't be adding interest once they sent it to them and once they receive my money order, which I sent certified, they will send me a Paid in Full letter.  Here's the question.....

Is it legal for Unifund to be still adding interest once they hired the law firm to collect/service this account? 

and.....

Is it a violation of inaccurate reporting on Unifund's end since the law firm has a different balance and would only accept payment for  what they show as a balance?

HELP!!!!! I am so confused!!!!!

[tryingtogetitrightnow]

If it still shows up on your credit report in a month or so with a balance, you can send the letter to the CRA's and tell them to update it to paid in full.

I had this happen. The law office told me it was one amount, and charged my card. Then they called me back and said I still owed $83, so they charged my card again. Long story short, 5 months later it was still reporting on my credit report as me owing $83 on it. I had to call over and over again to get it changed. That letter should serve you well. :-)

[Anonymous]

What is the original DOFD from the OC?  Did you DV unifund?

[dragnldy]

Having the same problem with Calvary.  Sent a letter to their offices insisting the account be deleted due to their lack of investigation from my dispute to the CRAs.  The CSR I talked to told me it wasn't her job to verify with the assigned collector they hired that it was paid.  They received the letter on Thursday, waiting to hear back. 

[bonddiva07]

Yeah, I DV Unifund back in June of 07 and they sent 2 old credit card statements from the OC.  I did nothing and DV again like few months later and same results.  Again I did nothing trying to wait them out, then I got an inquiry on my EX report from a law firm and I sent them a unauthorized pull letter because I had no idea what account had hired them.

In the mean time while I awaited their response, I contacted a lawyer from the NACA (some one on these post told me to do so) and they told me that I should just wait and watch  my reports because it was likely I was about to get sued.  I asked the lawyer if credit card statements were enough to send to me legally as validation and he said some new legal updates had occurred and that is all they are required to send me.  He advised me to try to settle out of court with law firm to avoid a judgment

Long story short when I found out it was Unifund, I tried to send them a PFD to work out an agreement and they never replied.  When I didn't hear from Unifund at all (and I know they received the letter because they signed for it) I got suspicious because they have replied fairly in the past.  Luckily I picked up the dreaded phone, (which usually is a no-no since there is no paper trail involved there,) recalled the law firm just before they were getting ready to pursue an additional law suit.

And here I sit today, paying it off just in the nick of time and hoping the last $83 will not cause me any problems.

[bonddiva07]

Phew!!!  Thank God I'm not the only one who has dealt with this.  Funny thing is I was so nervous about that happening that the first rep I spoke to at the Law Firm seemed confused and me sound like I didn't know what I was talking about.

I was not about to send them another dime until someone could assure me I would be okay.  Luckily that rep was not available yesterday and I just asked for someone else.  She was very helpful and because she was able to explain and gurantee that the PIF letter would be sent to me.  She understood what I was saying and that is why she said that Unifund shouldn't be applying any more interest since it was now in their office.  Here exact words were "well they shouldn't be doing that because once they send over a close out balance for us to collect they can't go back and re-change that"

So we will see what the outcome is.... I will keep you posted

[Anonymous]

What was the debt for?  where you within SOL?  was the OC reporting?

[bonddiva07]

This was an old credit card from Citibank with the DOFD 6/05.  They finally charged it off in 9/06 and turned it over to Unifund.  I was still under SOL but Citibank was no longer reporting.  I even tried to contact Citibank in May of 07 hoping maybe I could still settle with them but no luck so I was forced to deal with Unifund.  In hind sight I wish I would have handled it with Unifund after the first DV came back and tried a PFD, but can't cry over spilled milk.  So since I procrastinated and tried to wait them out I racked up additional interest and a head ache with a law firm .....ugh!!!!