questions for whychat--repo
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Posted by duke
(209.136.134.140) on March 03, 2003 at 14:00:03:
Whychat, My wife received a letter Friday from Cap One stating that they had bought a charged-off account with Chase Bank from “Collins”; charged off in 12/97. She had an auto that was repo’d in ’97 in Texas (contract was also signed in Texas). All of a sudden there was a company that appeared on her credit bureau by the name of Collectx, updated in 11/02, placed in 2/00 for a balance of 10,036. This Cap One letter states the same amount. The original amount charged off was ~$7500. Funny thing is, down at the bottom in fine print was a sentence that says “…you will speak with a friendly, knowledgeable rep.. at The Westmoreland Agency (an affiliate of Cap One) or an agency working on its behalf”. My questions are: 1. How do I get Collectx off (the one before this Cap One scam) her report since it was bogus anyway?
2. Should I send Cap One a cease and desist letter or an sol letter? Whitewing tried this before on a debt I incurred in 12/87 (they had purchased it last year from SCAMCO) and I sent them a cease and desist and they sent a letter stating they would not have any more contact with me and all collection activities had ended.
Thanks for all your help,
Duke
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