My husband and I are involved in what seems like a never ending battle over a vehicle that was repoed. The account was settled with the Original Creditor. The original creditor is no longer in existence. The original debt was from 94-95 time frame.
A rep from LHR calls me and threatens to put my husband behind bars. I freaked out. I went to an attorney about all of the problems I had with the harrassing phone calls, the threats and all of the false info. The attorney sent out a letter seeking validation of debt...as a back up for the one I sent out. LHR never responded to either request.
On the letters I received from LHR, the origianl creditor was stated as S & P Capital Investment...yet another false piece of info.
Well, we have been keeping an eye on my husband's credit report as a precaution in case LHR tried to report to the Bureaus...that never happened. Instead, S & P Capital Investment reports this month. According to S & P, the original creditor was FAF Auto...WRONG...not the original creditor...not even close. S & P also stated that this account went into collections April 2005. They have also tacked on an additional 1300$ to the "debt owed".
Needless to say, I am going back to the Attorney's office to do the whole Validation request...once again. This time, I am also going to get in touch with the State Attorney General's office and file a complaint and a possible law suit. How can TWO different Debt Collection offices be collecting on the same darn debt???????
It amazes me as to how good my husband's credit is and there is nothing on it in regards to this "debt", yet these two different companies, LHR in NY and S & P Capital IN TX, are trying to collect on the same debt.
Fort Stewart, Georgia