What is the name of your state? FL
I paid an old First Union, MBNA, Providian, First Select, Credigy debt. DLA 1/2002, balance $1500.
I received an offer of settlement from Stewart & Assoc and sent a dispute/request for validation letter. The response letter increased the amount due to $3500. I phoned them and was informed that $50. interest had accrued since the letter had been sent. I requested a fax stating the exact amount due and what date that payoff was valid through. I received a faxed settlement offer letter that was valid for 7 days stating the balance was $3550. I sent a cashiers check in overnight mail with return reciept. The check had the Credigy account number on it and "Balance in Full". I wrote a letter stating that the terms of processing the payment was that I would recieve a confirmation of zero balance and that Credigy would remove their tradeline from my credit reports in 30 days of reciept, that if the terms were not acceptable that the unprocessed check must be returned within 30 days.
5 days after they recieved the check I called to inquire of the status of the account and was told the balance was zero. I reminded the representitive of the terms and time frame which thay concurred. This conversation was leagally recorded.
The check was recieved over 45 days ago and I still have not received the confirmation letter and my credit report still reflects a $3550 balance.
I attempted to phone and when I stated the call was being recorded they refused to speak with me. Since then I have submitted a complaint with the FL AG Office.
What next?
I paid an old First Union, MBNA, Providian, First Select, Credigy debt. DLA 1/2002, balance $1500.
I received an offer of settlement from Stewart & Assoc and sent a dispute/request for validation letter. The response letter increased the amount due to $3500. I phoned them and was informed that $50. interest had accrued since the letter had been sent. I requested a fax stating the exact amount due and what date that payoff was valid through. I received a faxed settlement offer letter that was valid for 7 days stating the balance was $3550. I sent a cashiers check in overnight mail with return reciept. The check had the Credigy account number on it and "Balance in Full". I wrote a letter stating that the terms of processing the payment was that I would recieve a confirmation of zero balance and that Credigy would remove their tradeline from my credit reports in 30 days of reciept, that if the terms were not acceptable that the unprocessed check must be returned within 30 days.
5 days after they recieved the check I called to inquire of the status of the account and was told the balance was zero. I reminded the representitive of the terms and time frame which thay concurred. This conversation was leagally recorded.
The check was recieved over 45 days ago and I still have not received the confirmation letter and my credit report still reflects a $3550 balance.
I attempted to phone and when I stated the call was being recorded they refused to speak with me. Since then I have submitted a complaint with the FL AG Office.
What next?
