I would assume that if the dealer arranged the financing that they are on a first name basis with someone of some authority at the Bank.
I would ask some one of some authority, at the dealership, to call the bank, in your presence, and ask them to get involved to help straighten this out.
Banks and financial institutions have the ability to talk to credit bureaus direct to ensure proper reporting of credit information.
You can also provide a written statement to the credit bureaus as to your version ,that they should post ; as a matter of record, until the matter is corrected.
Attorneys and threats will only add unnecessary costs that you may or may not recover.
Tallyo
2007 Winnebago Adventurer
W-24, 6 spd Allison
Saturn VUE w/ Brake Buddy Vantage
Drinks-6, Eats-4, Sleeps-2
Semper Fi
Some time within the last 10 years, I had a charge card that got purchased by another bank. In the process of switching the accounts over to the new bank, all accounts with a $0.00 balance were keyed in as delinquent. With a $0.00 balance, I never knew, until some one called one evening, wanting to send me a new credit card, they wouldn’t take no for an answer, so I agreed just to get off the phone. Within a month I got a letter saying the card approval had been declined, due to my delinquent reports. I thought what’s up with that? I really didn’t want another card any way. Within a few months I got a letter from a law firm, explaining what the problem was, and asking me to join a class action suit, which I did, and within a year I got a settlement of about $250.00.
I know this does not solve your problem. But maybe there are others (from this dealer) in your shoes. As this sounds similar to scams several failing auto dealers did in the late 1970’s early 1980’s. Two loans on the same unit, loans on units that were paid for in cash, etc.. You need to discuss this with the county prosecutor where the dealer is located.
After orthopedic surgery 2 yrs ago in Nov, a bill in January, and payment in full to the hospital 3 weeks following, my blood boiled to receive a letter from a collection agency a week after payment.
Telling the hospital bill generator that a consumer reporter would be called if their hurtful error wasn't corrected immediately resulted in a satisfactory outome.
I would also suggest you correct it yourself by challenging the validity of the delinquent notifications. The big three reporting agencies have procedures in place to make corrections and it does work. The wife and I have both corrected our credit reports and it cost us nothing but time.
antiquedrose wrote: I like HaftaCamp's advice. But I might add...
After orthopedic surgery 2 yrs ago in Nov, a bill in January, and payment in full to the hospital 3 weeks following, my blood boiled to receive a letter from a collection agency a week after payment.
Telling the hospital bill generator that a consumer reporter would be called if their hurtful error wasn't corrected immediately resulted in a satisfactory outome.
I also had orthopedic surgery 8 years ago. It was a workers comp. claim, so I wasn't responsible for any charges. Imagine 6 years later, after all bills were paid, getting a call from a collection agency claiming that I owed the surgeon $30.00. After calling the office, they claimed the charges were legitimate. (I think they were just too lazy to look it up.) I refused to pay, and continued to get annoying calls from the collection agency. I requested that they show me proof that I owed the money, and nobody was able to produce this.
I ended up writing a letter to the surgeon himself, who passed it along to their office manager,who, very apologeticaly corrected the error and reversed the charges.
But, the issue did migrate to my credit report, as the collection agency left negative information. Using the web site I mentioned in an earlier post, I was able to dispute the information and it was corrected within a week.
Imagine that, no lawyers, no States Attorney's, no class action lawsuits, County Prosecutors, etc......These venues are fine IF you have tried unsuccessfully to FIRST resolve the issue through the proper channels.
With a little time and patience, you can resolve this yourself with little to no expense on your bank account.
First, do as Haftacamp says - get the printouts of your reports from all 3 and start the dispute process.
Next, call the loan company and talk with the person you've been dealing with. Ask them to please write a letter and fax the copy of the letter to you (or email in pdf format) outlining the mistake that was made in not only showing 2 loans on the same TT, but also in showing both delinquent.
Send this along with the dispute form you will have to fill out to the credit bureaus.
In the meantime, you can use this letter to apply for the re-finance loan on the TT and get as far away from this original company as possible.
On a side note: We had something similar. When we moved to our current house, we kept receiving 2 trash bills. Since our area has "tier pricing" one was correct, one wasn't. After several calls and letters, we succeeded in having one removed - only to find out they deleted the right account and now we were getting the higher $$$ bill, which was wrong. In total it took us 1 year to finally get it corrected and to get them to quit calling us on the "past due" account. It took a handwritten letter explaining the situation to the owner of the company and demanding that they send someone out to look at where we live and having them make the call in front of us to straighten it out to solve the problem (it took another year to get the miss-spelled name corrected). I've often wondered how companies like this stay in business....
...also recently received a call from the medical office asking what our correct address is. Apparently they kept getting statements back saying they did not have the correct address - 4X! Now, wouldn't you think after the first one they should have called me? They apparently had my phone number. Turns out she had our correct address in front of her the whole time but kept sending the bills to an address we haven't lived at in 10+ years. The bummer is that now they were "past due" - due to no fault of our own but I still had to pay a HUGE medical bill all at once as they wouldn't accept a partial payment because it was over 90 days due. But PUH-LEASE! After the first one or two bills come back "Not at this address" don't keep sending them! Especially if you have a phone # to call. Good grief.
Two of the three credit reporting agencies insisted for years that I was dead. Hello? No, I'm old and tired, but I'm not dead just yet. I discovered it when I applied for a new credit card. Since I didn't really care if I got the card or not, and didn't plan on borrowing money for anything, I decided to just roll over and play dead. A few years back I refinanced some investment property. The lender says, "Your credit report says you're dead!" LOL I assured him I wasn't. Somehow they finally got it straightened out. I presume it all came about when my late wife passed away 12 years ago, but since her name wasn't on any loans I had, I'm not sure how that would happen.
Anyway, it was interesting being turned down for credit because "our records show you as deceased".
You should be able to get the errors removed from your report, as others have said. I had a credit card that had an error in my address, despite my notifying them on my bills and calling them up to correct it. Then our letter carrier apparently changed and the bill didn't get delivered. I lost track of it, until the bill finally did catch up and had a late charge. I called them up, explained that I had tried to correct the address, and they said the late fee will be waived and the late report will be removed. My reports still said I hadn't been late on a payment, so it must have worked.
A bit off topic, but pretty funny in hind sight...
A few years ago, out of the clear blue sky, we started getting a major newspaper delivered to our house. We had never ordered a subscription, and never received a bill. Well, since we travel much, especially for extended weekends, we didn't want newspapers piling up in our driveway.
It was like pulling teeth to get them to stop delivering them, because we couldn't "cancel" a subscription that didn't exist. Eventually, it was determined that the delivery person was delivering to the wrong house - but not for a few months of frustrating phone calls.
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