[beachgirl]

Hi all..here's my story. Nov/99 Providian placed jugdement on me for a CC debt. With a Law CA firm here in Boston I'll call S&S. Ok, i agreed to pay 50.00 a month. For a 6400.00 bill. As I was making my monthly payments, June/02. Chase informs me that they bought my debt from Providian. As I was still making payments to S&S but I was late on one of them - August/02. So S&S inform me that they did not recieve there payment for that month. I mailed another 400.00 and lost my job and all that crap.
So... I haven't made any payments since. Then this April/06 I recieve a letter from a second CA I'll call T&T for a judgement on me from feb/99 and they have only recieved 2 payments. And to show up in court. I showed up and ask what's this bill about, and they said a jugdement from Feb/99 and they recieved my 2 payments from the first CA S&S. And handed me paper work to fill out about my income.
Hmmm so I'm thinking it's Providain/Chase...{and I have 90% of all my paper work from these bills.} My balances and there did not match. I requested a Validation of debt. The woman that I have been talking to from T&T comes back with a Chase account number that I have never owned. She says she will look deeper into this. I asked for when and how long this supposed account has been open.
So my Questions are,
1} Can Chase buy my debt from Providian as I was making current payments to a CA that I was paying on from a court jugdement.
2} Can a CA give payments to another CA with different account numbers.
Thanks for any help.

[centex]

The fact that someone is making payments does not prevent an account from being sold to a different lender...prime example is the sale of mortgages almost before the ink has dried on the contract. In the credit industry, you also see instances where banks get rid of certain portfolios simply to move in a different direction or where it may be a requirement for merger approval.

As to forwarding payments, the argument in court is going to be that they no longer serviced your account, and as a result and acting in good faith, they forwarded your payments to the current servicer.

The account number issue may or may not be a red herring. You would need to determine whether the difference is internal accounting or whether it was something linked to the original underlying claim.

[DUSTY]

I was just informed that a disputed account was bought by CHASE. This item was a BP/AMOCO that was issued by CITIBANK. So go figure. CHASE seemed pretty cool with stuff, but you don't always see an account number change. That could be confusing, especially to a 'sophisticated consumer'.

[DUSTY]

I meant to say least sophisticated consumer