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  • Report: #329040

Complaint Review: Arcadia Financial Transouth

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  • Submitted: Sat, April 26, 2008
  • Updated: Sat, April 26, 2008

  • Reported By:Somwhere Oklahoma
Arcadia Financial Transouth
P.O. Box 4367 Carol Stream IL Nationwide U.S.A.

Arcadia Financial Ltd. Transouth Company harassing me for 7 years Carol Stream Illinois

*Consumer Suggestion: This is easy to fix.

*Consumer Suggestion: This is easy to fix.

*Consumer Suggestion: This is easy to fix.

*Consumer Suggestion: This is easy to fix.

*Consumer Suggestion: This is easy to fix.

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This company actually threatened to come to my house and get me. I bought a car with my ex in 1999. We divorced in 2001. He won the car, but did not make payments (nor his child support payments). He took the car and left the state without letting me know where he was going. During this time Arcadia was constantly calling multiple times a day at my home and work. They would yell and scream at me. Curse at my children. One guy named Kevin Belcher even threatened to come to my house and get me, and make me pay. They even threatened my children.

Then in June of 2002. My ex abandoned the car on the interstate. The only way I know this is that I got a letter from a wrecker company saying they had picked it up. I tried to call them so maybe I could recover the car and sell it, but they said the car was repoed. I never heard a word from them until 3 years later. They had the car and now had tripled the amount I owed them. The harassing calls started again. My lawyer contacted them and they stopped for a while. It is now 2008. They have sold the debt to at least 3 different credit agencies. They are all calling and all reporting on my credit report as new debt. This account went past due in Nov. of 2001.

Mom
Somwhere, Oklahoma
U.S.A.

This report was posted on Ripoff Report on 04/26/2008 10:18 AM and is a permanent record located here: http://www.ripoffreport.com/r/Arcadia-Financial-Transouth/nationwide/Arcadia-Financial-Ltd-Transouth-Company-harassing-me-for-7-years-Carol-Stream-Illinois-329040. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 5Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

This is easy to fix.

AUTHOR: Steve - (U.S.A.)

First of all, that "debt" is past the legal statute of limitations for collections which is 5 years in Oklahoma. That debt is DEAD and is NOT legally collectable. They cant do squat.

You need to send CEASE COMMUNICATIONS requests to every collector involved. This letter must be sent by certified mail, return reciept requested. Be sure to put the certified # on the letter itself, and keep a copy for your records. This is very important. DO NOT sign the letter, just print. And do not give any personal information. Just give printed name, phone# they are calling you at, and your mailing address, and date the letter. That's it. Nothing more.

Now, when they violate your LEGAL request, you sue them for the FDCPA violations. It's easy money! Want some?

Now, by the means above, contact every affected credit bureau, and dispute the entry. Inform them that they have illegally re-aged the "debt" and will be sued if it's not immediately corrected or removed. You need to be very specific and very firm with credit bureaus when making disputes.

By federal law, they have 30 days to prove or remove the entry. Once it is removed it can never legally come back. If it does, you sue under the provisions of the FCRA.

Right now, you have the grounds, and the right to sue each collection agency for the bogus reporting. Its an easy win. Easy money! Want some?

Don't let these freaks push you around!

Get your lawyer to file lawsuits all around. That gets things fixed fast, and at their expense, not yours!
Respond to this report!
What's this?

#2 Consumer Suggestion

This is easy to fix.

AUTHOR: Steve - (U.S.A.)

First of all, that "debt" is past the legal statute of limitations for collections which is 5 years in Oklahoma. That debt is DEAD and is NOT legally collectable. They cant do squat.

You need to send CEASE COMMUNICATIONS requests to every collector involved. This letter must be sent by certified mail, return reciept requested. Be sure to put the certified # on the letter itself, and keep a copy for your records. This is very important. DO NOT sign the letter, just print. And do not give any personal information. Just give printed name, phone# they are calling you at, and your mailing address, and date the letter. That's it. Nothing more.

Now, when they violate your LEGAL request, you sue them for the FDCPA violations. It's easy money! Want some?

Now, by the means above, contact every affected credit bureau, and dispute the entry. Inform them that they have illegally re-aged the "debt" and will be sued if it's not immediately corrected or removed. You need to be very specific and very firm with credit bureaus when making disputes.

By federal law, they have 30 days to prove or remove the entry. Once it is removed it can never legally come back. If it does, you sue under the provisions of the FCRA.

Right now, you have the grounds, and the right to sue each collection agency for the bogus reporting. Its an easy win. Easy money! Want some?

Don't let these freaks push you around!

Get your lawyer to file lawsuits all around. That gets things fixed fast, and at their expense, not yours!
Respond to this report!
What's this?

#3 Consumer Suggestion

This is easy to fix.

AUTHOR: Steve - (U.S.A.)

First of all, that "debt" is past the legal statute of limitations for collections which is 5 years in Oklahoma. That debt is DEAD and is NOT legally collectable. They cant do squat.

You need to send CEASE COMMUNICATIONS requests to every collector involved. This letter must be sent by certified mail, return reciept requested. Be sure to put the certified # on the letter itself, and keep a copy for your records. This is very important. DO NOT sign the letter, just print. And do not give any personal information. Just give printed name, phone# they are calling you at, and your mailing address, and date the letter. That's it. Nothing more.

Now, when they violate your LEGAL request, you sue them for the FDCPA violations. It's easy money! Want some?

Now, by the means above, contact every affected credit bureau, and dispute the entry. Inform them that they have illegally re-aged the "debt" and will be sued if it's not immediately corrected or removed. You need to be very specific and very firm with credit bureaus when making disputes.

By federal law, they have 30 days to prove or remove the entry. Once it is removed it can never legally come back. If it does, you sue under the provisions of the FCRA.

Right now, you have the grounds, and the right to sue each collection agency for the bogus reporting. Its an easy win. Easy money! Want some?

Don't let these freaks push you around!

Get your lawyer to file lawsuits all around. That gets things fixed fast, and at their expense, not yours!
Respond to this report!
What's this?

#4 Consumer Suggestion

This is easy to fix.

AUTHOR: Steve - (U.S.A.)

First of all, that "debt" is past the legal statute of limitations for collections which is 5 years in Oklahoma. That debt is DEAD and is NOT legally collectable. They cant do squat.

You need to send CEASE COMMUNICATIONS requests to every collector involved. This letter must be sent by certified mail, return reciept requested. Be sure to put the certified # on the letter itself, and keep a copy for your records. This is very important. DO NOT sign the letter, just print. And do not give any personal information. Just give printed name, phone# they are calling you at, and your mailing address, and date the letter. That's it. Nothing more.

Now, when they violate your LEGAL request, you sue them for the FDCPA violations. It's easy money! Want some?

Now, by the means above, contact every affected credit bureau, and dispute the entry. Inform them that they have illegally re-aged the "debt" and will be sued if it's not immediately corrected or removed. You need to be very specific and very firm with credit bureaus when making disputes.

By federal law, they have 30 days to prove or remove the entry. Once it is removed it can never legally come back. If it does, you sue under the provisions of the FCRA.

Right now, you have the grounds, and the right to sue each collection agency for the bogus reporting. Its an easy win. Easy money! Want some?

Don't let these freaks push you around!

Get your lawyer to file lawsuits all around. That gets things fixed fast, and at their expense, not yours!
Respond to this report!
What's this?

#5 Consumer Suggestion

This is easy to fix.

AUTHOR: Steve - (U.S.A.)

First of all, that "debt" is past the legal statute of limitations for collections which is 5 years in Oklahoma. That debt is DEAD and is NOT legally collectable. They cant do squat.

You need to send CEASE COMMUNICATIONS requests to every collector involved. This letter must be sent by certified mail, return reciept requested. Be sure to put the certified # on the letter itself, and keep a copy for your records. This is very important. DO NOT sign the letter, just print. And do not give any personal information. Just give printed name, phone# they are calling you at, and your mailing address, and date the letter. That's it. Nothing more.

Now, when they violate your LEGAL request, you sue them for the FDCPA violations. It's easy money! Want some?

Now, by the means above, contact every affected credit bureau, and dispute the entry. Inform them that they have illegally re-aged the "debt" and will be sued if it's not immediately corrected or removed. You need to be very specific and very firm with credit bureaus when making disputes.

By federal law, they have 30 days to prove or remove the entry. Once it is removed it can never legally come back. If it does, you sue under the provisions of the FCRA.

Right now, you have the grounds, and the right to sue each collection agency for the bogus reporting. Its an easy win. Easy money! Want some?

Don't let these freaks push you around!

Get your lawyer to file lawsuits all around. That gets things fixed fast, and at their expense, not yours!
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

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