• Report: #278353

Complaint Review: Midland Credit Management

  • Submitted: Thu, October 11, 2007
  • Updated: Sun, December 06, 2009

  • Reported By:Jacksonville Florida
Midland Credit Management
8875 Aero Drive Suite 200 San Deigo, California U.S.A.

Midland Credit Management - Midland Funding I've been threatened with mandatory arbitration by midland... Please Help!!! San Deigo California

*Consumer Comment: oh crap.....

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

Midland collection agency sent a bill to my brothers house a few months back. They stated that they purchased an old cell phone debt for Verizon and were now collecting on it. I didn't ever get the bill because my brother threw it away after reading it to me inadvertantly.

Recently he had UPS send him a registered letter for me that he signed without knowing it was for me. It was paperwork saying they planned to send my case to arbitration within the next month if I did not make provisions to pay this old bill that I'm not even sure is valid - BUT I was scared and called them...I know...BIG Mistake!!

I proceeded to give them banking information to withdraw a payment of $50 per month to pay this off. After getting off the phone and feeling I had just been taken advantage of I opened my Equifax dispute letter and saw that Equifax was unable to verify the charges from Midland.

I then proceeded to close that checking account and do some internet research. I found out that they do not have license to do business in Florida. I've decided to go the debt validation route. What I'm wondering is are they allowed to be collecting a debt in Florida if they do not have a license to do so. I've read the statue on licensing in Florida and am still a bit confused.

Also, this was a cell phone bill - and a 2 year contract (I assume) - but don't they have to show proof that I signed it and that the charges are valid? Lastly, why would they threaten arbitration instead of just proceeding with it? The bill says that I owe 2k+ for just one month of service!!

Please advise. I know I screwed up by calling them so please tell me what I should do next.

Really confused
Jacksonville, Florida
U.S.A.

This report was posted on Ripoff Report on 10/11/2007 05:59 AM and is a permanent record located here: http://www.ripoffreport.com/r/Midland-Credit-Management/San-Deigo-California-92132/Midland-Credit-Management-Midland-Funding-Ive-been-threatened-with-mandatory-arbitratio-278353. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on Midland Credit Management

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
REBUTTALS & REPLIES:
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

oh crap.....

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

You will probably be served court papers at this point. Midland is now licensed in Florida as of 1/2009 so you will need to go to Division of Finance & Division of Corporations to print out any documents supporting the fact that they were not licensed to collect at the time consent was given. It is a grey area though because they can collect without license if they can prove a majority of their collections in Florida were commercial/business collections. Be sure to file a complaint with the Division of Finance to add to the growing list of complaints. Send a letter requesting proof of debt by certified mail immediately! Do not give them any information that they can use against you. When replying to the court summons, only respond to their allegations. Do not try to tell your side of the story because the courts aren't going to drop it no matter what you say. Make sure you show up for court!! Judges HATE these people but have to award them because people like us don't show up for court. Look through your counties online court dockets to see how many cases Midland has pending in your county. You may be able to gather information/testimony from others to help in your case. Good Luck!!

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?
X