LHR/NY called in March 2005...Typical rude nonsense. Didn't know what they could possibly be calling about so certified Request for VOD. Documents arrive end of Sept. and show an illegal 1996 auto repo by Monaco.
1996: Filed complaint after Monaco trice tried to add $1500 for insurance. Their notification of this charge was forwarded from the old address when our change of address had been used by Monaco before. Predator! Proof of insurance had been provided twice so Asked for transaction history to verify all was removed from the account. They never provided this. Then asked for a payment deferrment as had moving expenses...they repo'd the car! Never heard from them again.
S&P Capital/TX reported this as a 2001 account "twice" in July 2005 to all credit bureaus and Lists original creditor(s)as Monaco (no longer exists) and FAF Auto. Sent complaint of FDCPA infraction to FTC and will soon contact Consumer Protection in both NY & TX. so they both will face $4000 fines. Also getting advise from attorney to file a lawsuit for damages. Reaging is Exhortion. Reaging is illegal. Exhortion is illegal.
NOTE: FAF is the NYSE code for First American aka TRIAD. TRIAD had been a wholly-owned subsidiary of Ford Motor Credit. In May 2005 the sub-prime auto lender Triad Financial Corp. was purchased away from Ford Motor Co. by a group of investors led by Dallas banker Gerald J. Ford (not related to the Ford Motor family). GJ Ford also owns stake in AmeriCredit and Triad owns the online Roadloans. The TRIAD website touts 300,000 accounts worth $4 billion. Buyers Beware.