[rubyruby27]

How long does it take a company to pull an account and how does it work in general.

Thanks

[Enigma]

It will depend on the company reporting cycle or if there was a negotiated time frame. If no time frame was part of a settlement agreement then you are basically at their mercy.

In general, most up dates are done via e-oscar or via tape.

[rubyruby27]

Thanks for a reply

I wasn't clear with my question

How long does it take a company to pull an account from a collection agency. Is it a simply phone call, sorry that was an error and we need to pull it.

Thanks

[joedirt]

ruby...thats what happened to me. 1 phone call and within days all were gone from all but TU. The credit manager told me she talks to the CA daily.

[hannah]

Do you mean for an OC to pull back an account from a third party collector? If so, it could be done by email, snail mail, phone call, etc. in an instant or minutes but it's not that simple. If a CA has a contract to collect, it could be spelled out in that particular contract that a certain procedure has to take place such as every 30 or 60 days, or other contractual conditions. There is no simple answer to your question.

[centex]

sold paper or contingency placement paper?

[rubyruby27]

According to my CR it is contingency,.

Thanks Hannah thats what I wanted to know.

This is in regards to the VA Water Bill (OC). I have already disputed this entry and it was verified by the CA and posted as paid as a settlement.

I think they are posting incorrectly and this maybe my only way out but I need advice.

The 25.00 service charge is a fee the state attaches for taking this out of your state income tax return. They never took it from my taxes-if they had I wouldn't be in this position.

last bill 9/04 filed taxes 4/05 they had more than enough time to get the state to take this from my tax return.

When I lived in VA and had the water bill it was with Roanoke, somewhere along the line they became the Western VA Water Authority.

My point I think I am trying to make is I don't believe the 25.00 is an allowable fee and by posting that I paid under a settlement is a violation of the FCRA. On both ends the OC and the CA.

Am I off base and how long do I give them to give me an answer.

[hannah]

Ruby, the fee charged would either be in Roanoke's city code or in VA state statute, possibly both, to be an allowable charge. If the fee was not legal, then you may have a way to get around it but I sincerely doubt that. I don't have time to look it up. You need to google Roanoke city code and VA state code for water bills. Check under VA water authority or Roanoke water authority. If it is not an allowable fee, then you have something to dispute but if it's in their code to be able to charge it then it's allowable under the law whether you think it should be or not. To change that you would have to sue the City and State over it and IMHO $25 is not something I'd encourage anyone to sue over and if duly elected officials voted it into law, you would be trying to slay Goliath with a plastic spoon.

[centex]

Originally Posted by hannah

you would be trying to slay Goliath with a plastic spoon.

but think of the vicious red mark on the skin that could possibly be inflicted...

I would also venture to guess that collection fees are addressed in the original agreement for service, yet another document that very few people ever bother to read or retain a copy of for future reference.

[VexatiousLitigant]

It would probably vary by creditor. In my personal experience, I had things resolved and off my credit report within a week of first contacting general counsel...

[hannah]

In light of VL's above post, Ruby, you might want to call the City Attorney for Roanoke and speak to him/her. Considering this is a public utility you might also try filing a complaint with VA's Public Service Commission.

[rubyruby27]

There was no agreement, I called the water dept they turned the water on, I got a bill for 17.00 I paid it and then called them since it was so low, they said they bill every 3 months, within that timeframe I left and called the water dept and had the water turned off.

I have already determined the fee is illegal, even the Water Dept agreed.

He just called me back and is quite irrated by my request but trying to be polite, insisting the fact that I knew I had a water bill coming and I didn't pay it, it is a legit debt and they can't remove it.

The fact they transposed my street address, and didn't get this bill to the state as they normally do, since I owed the bill and didn't pay it, its my fault 100%.

Then we discussed a few questions in regards to the 25.00 service charge. First of all they took over the city water bills in 1/04 they say they send outstanding bills to the state by the end of Dec or earlier Jan to ensure they get thier money, that's why the service charge was attached to the bill, since they didn't collect, I don''t owe that service charge.

Secondly, it is obvious they didn't send my account to the State, if they did I wouldn't be in this position. The account would have been paid and no collection reports on my credit report.

Third knowing they made another mistake they are now sending me a letter stating this account is paid in full. As I mentioned they reported to thier CA that I owed them 75.00

The CA is reporting 75.00 paid 50.00 in a settlement.

I know that is illegal- am I suing them no, but I will do what I need to do, now that I have my answer by the water dept I can send my letter to the city attorney.

While this is minor I believe this is what is killing my FICO score and not me repairing it. This hit my report just prior to me sending out my disputes.

[hannah]

Ruby, I told you in an above post that YOU cannot just determine on your own that the fee is illegal. Look it up. See if it is allowed by city or state code or by the proper water authority. Find out if it is an automatic fee that is ALWAYS added when an account defaults. You may have no grounds for a lawsuit at all. File a complaint with the VA Public Service Commission. Do the right things to resolve this before you file suit. Have you offered to pay the $25 if they will remove it? Filing suit is a lot of hassle over $25. You are putting the cart before the horse.

[rubyruby27]

Hannah, I know its illegal but thanks for the concern, that I am doing the right thing. I was able to determine the fee was illegal-its not a fee the water dept charges its a fee the state charges if and only if the state collects the debt. The water company adds the 25.00 to the amount owed in order to the state to collect thier fee. They don't collect no fee.

The water authority didn't remove this fee when they sent it to the CA to collect. Supposely they agreed to send me a letter in writing this account was paid in full and not a settlement offer. They also stated the fee was removed as they aren't allowed to collect it. It's the states service charge for collecting.

I DON'T WANT TO SUE ANYONE UNLESS I HAVE TOO. I am trying to do this the simply easy way. Should it not resolve then I have the documentation, I did all I could do. I am sending a letter to thier attorney and the PSC.

Hopefully, I was able to get this resolved. I called the CA again and told them they were reporting inaccurate information and the whole story regarding the transposed letters and the 25.00 fee they can't charge amd fact they have already verified this infor is now a violation.

I was nice and said this was an error but someone is not telling me the truth. The water authority says they told you it was paid in full and sent me a letter to that effect.

Basically your saying the same thing, he was reading something that they (WC) said this account was paid in full but the CA stated they said I originally owed 75 and when the WC said paid in full for 50 they (ca) decided that was a settlement and therefore thats what they verified.

I said it appears that someone is left to carry the brunt of this issue and it appears to be your company, since your reporting inaccurate information

DRUM ROLL

So Mr. Supervisor said I will delete since there was a comedy or errors.

For anyone that needs this info

IC Systems does weekly every Monday updates or post. They will delete this entry for the next 8 weeks straight, as he has been informed by the CRA's it takes them 30-60 days to update this information

He offered to send by fax a letter to that effect, since I need something incase the CRA's don't delete.

Who's lying, who's not, who knows, along as its removed and they send the delete and paid in full letters--I told them I was recording.

This was all I wanted in the first place, but the water company was being a jerk.

[rubyruby27]

Update for anyone interested.

I recieved both letters in the mail.

The one for VA Water stated the amount I paid was the full amount and that the 25.00 was removed since the state did not collect.

IC Systems stated they would delete the account. Which they did and my score went up 30 points.

[Enigma]

Congrats.

[Hedwig]

Congratulations!!