What is the name of your state? Florida
Brief history- I was recieving letters threating law suit from credigy...I requested account verification from credigy via Certified Return Reciept twice, once in March then again in June..never recieved. I notified equifax and experian in August due to both the original debt from the bank AND this debt from Credigy being on my credit report. Experian and Equifax "confirmed" the debt and informed me that it was verified by Credigy to be legitimate and they kept both the bank and credigy on the report. In the meantime, I sent a letter informing Credigy that I was disputing there amount and that the SOL had expired and to cease calling my house, and I considered the matter closed on 8/15/05 (CRR). Credigy is telling me I owe them and amount that is three times the amount the bank has listed and this amount is increasing.
Today I recieved a letter from Credigy dated back to August 20th, postmarked 9/8/05 with a verification statement attached, but it doesn't say anywhere how they are coming up with their dollar amount??
Question: Can they charge interest? And why can both the orignal collector with an outstanding balance of 1540 and Credigy at 3423 be on my credit report....different account numbers?
Brief history- I was recieving letters threating law suit from credigy...I requested account verification from credigy via Certified Return Reciept twice, once in March then again in June..never recieved. I notified equifax and experian in August due to both the original debt from the bank AND this debt from Credigy being on my credit report. Experian and Equifax "confirmed" the debt and informed me that it was verified by Credigy to be legitimate and they kept both the bank and credigy on the report. In the meantime, I sent a letter informing Credigy that I was disputing there amount and that the SOL had expired and to cease calling my house, and I considered the matter closed on 8/15/05 (CRR). Credigy is telling me I owe them and amount that is three times the amount the bank has listed and this amount is increasing.
Today I recieved a letter from Credigy dated back to August 20th, postmarked 9/8/05 with a verification statement attached, but it doesn't say anywhere how they are coming up with their dollar amount??
Question: Can they charge interest? And why can both the orignal collector with an outstanding balance of 1540 and Credigy at 3423 be on my credit report....different account numbers?