ebills

acebo · 07-16-2007, 01:42 PM

OC is continuing to send ebills on a charged off account that is with a CA. I know that's not the norm. Should I be saving these ebills or can I just delete them? They look like this:

You have a new e-Bill from OC - Visa :

Payee Account Number: ************1234
Due Date: 07/22/2007
Minimum Amount Due: $ xxx.xx
Statement Balance: $ x,xxx.xx
To pay this e-Bill, you must first sign in to Online Banking.

Enigma · 07-16-2007, 01:43 PM

I would either print them or PDF them for future reference.

centex · 07-16-2007, 02:39 PM

If the OC is still sending statements, then that would suggest it has not been sold off and is only placed with the third party. Sounds like the time would be ripe to pursue a Rule5000 adjustment...

neil5623 · 07-16-2007, 03:18 PM

Quote:

Originally Posted by centex

Sounds like the time would be ripe to pursue a Rule5000 adjustment...

This is familiar but I'm drawing a blank as to the details.......

centex · 07-16-2007, 03:23 PM

Quote:

Originally Posted by neil5623

This is familiar but I'm drawing a blank as to the details.......

In a nutshell, be willing to pay what is owed, make the equivalent of three payments and the account gets reaged pursuant to FDIC regulations.

acebo · 07-16-2007, 03:46 PM

The account has definitely been charged off. It's 1.5 years since the last payment. I've been contacted by two different CAs. I've sent CMRR validation requests to both CAs, but have never had *any* kind of reply.

I think it's a glitch, that they keep emailing "You have a new bill from OC Credit Card"

centex · 07-16-2007, 04:36 PM

Quote:

Originally Posted by acebo

The account has definitely been charged off. It's 1.5 years since the last payment. I've been contacted by two different CAs. I've sent CMRR validation requests to both CAs, but have never had *any* kind of reply.

I think it's a glitch, that they keep emailing "You have a new bill from OC Credit Card"

Charge off means nothing in relation to ownership of the account. And if I was in a position of having a delinquent account that showed signs of still being with the OC as opposed to having been sold off, I would be doing everything I could to make a Rule5000 adjustment occur. Being 18 months out makes it a difficult task, but you can bet that I would damned sure be on the phone trying to swing a deal before it DID get sold off...

But hey, we can only lead you to water...we can't force you to drink.

acebo · 07-16-2007, 06:01 PM

Quote:

Originally Posted by centex

But hey, we can only lead you to water...we can't force you to drink.

I'm in a tough situation due to a chronic medical illness. If I were in a situation to pay it off OR settle I would. I don't find any of this to be sport.

jlynn · 07-16-2007, 06:08 PM

Quote:

Originally Posted by acebo

The account has definitely been charged off. It's 1.5 years since the last payment. I've been contacted by two different CAs. I've sent CMRR validation requests to both CAs, but have never had *any* kind of reply.

I think it's a glitch, that they keep emailing "You have a new bill from OC Credit Card"

Have you tried to sign in to your online account? That's usually the first thing they turn off...

spinn · 07-16-2007, 06:17 PM

I am truly sorry you are not feeling well Acebo............

I have had some recent medical issues and realize how frustrating it can be when someone is trying to take money from you when you need to pay for medicine.

Sometimes compassion is a sign of strength.

direred · 07-16-2007, 06:20 PM

Quote:

Originally Posted by acebo

I'm in a tough situation due to a chronic medical illness. If I were in a situation to pay it off OR settle I would. I don't find any of this to be sport.

Sorry to hear that (I have fibromyalgia, but not so badly that I can't work).

acebo · 07-16-2007, 07:03 PM

Quote:

Originally Posted by direred

Sorry to hear that (I have fibromyalgia, but not so badly that I can't work).

Take a look at this article. In the fall my Drs. were set to diagnose me with fibromyalgia. I went to an ENT, because a brain MRI showed my ethmoids were opacified and he sent me for a sleep study. It turned out that I had UAR, from a complete nasal blockage. Once I had the sinus and nasal surgery to clear everything up, *most* of my fibromyalgia symptoms cleared up.

Quote:

Originally Posted by spinn

I have had some recent medical issues and realize how frustrating it can be when someone is trying to take money from you when you need to pay for medicine.

I hope you are feeling better soon. This is why Drivel makes me laugh, because he thinks that the majority of people are in credit hell, because of choice. Well, I guess it was my choice to not have enough disability insurance, but that would have been a financial nightmare in itself.

Quote:

Originally Posted by jlynn

Have you tried to sign in to your online account? That's usually the first thing they turn off...

I haven't. I suppose that I've tried to pretend like I don't exist, afraid that if I tried, it would set off some kind of internal alarm system.

direred · 07-16-2007, 09:43 PM

Quote:

Originally Posted by acebo

Take a look at this article. In the fall my Drs. were set to diagnose me with fibromyalgia. I went to an ENT, because a brain MRI showed my ethmoids were opacified and he sent me for a sleep study. It turned out that I had UAR, from a complete nasal blockage. Once I had the sinus and nasal surgery to clear everything up, *most* of my fibromyalgia symptoms cleared up.

Interesting -- not my problem (I get a sleep study every 2 years), but I could see how that would be a subtle problem to diagnose.

Quote:

Originally Posted by acebo

I hope you are feeling better soon. This is why Drivel makes me laugh, because he thinks that the majority of people are in credit hell, because of choice. Well, I guess it was my choice to not have enough disability insurance, but that would have been a financial nightmare in itself.

I haven't. I suppose that I've tried to pretend like I don't exist, afraid that if I tried, it would set off some kind of internal alarm system.

Oh, I don't think drivel thinks that, but sometimes he lets you think he does.

spinn · 07-16-2007, 10:08 PM

Dont mean to drag this too far off topic but if you have low energy it may be due to poor thyroid and/or adrenal function. An easy way to check is to take your temperature. If it is low it may be low thyroid. If it is low and erratic it may be poor adrenal function or both thyroid and adrenal.

Endocrinologists know nothing about endocrinology...they just hand out lipitor and paxil while billing $1000 an hour.

acebo · 07-17-2007, 07:57 AM

Thanks Spinn, but I have heart failure relating to my last pregnancy. I had a defibrillator implanted in February.

Qtip · 07-17-2007, 10:59 AM

Quote:

Originally Posted by acebo

Thanks Spinn, but I have heart failure relating to my last pregnancy. I had a defibrillator implanted in February.

Sorry to hear about your medical condition, must suck to be in a medical roller coaster and then have to deal with collectors on top of it.

Are you able to log into the account to look at the e-bill? I thought that was the first thing they killed also.

acebo · 07-17-2007, 12:07 PM

Quote:

Originally Posted by Qtip

Sorry to hear about your medical condition, must suck to be in a medical roller coaster and then have to deal with collectors on top of it.

Yes and no. It puts thing in prospective. When CAs call, it's like who cares, it's a phone call. The OC that is suing me rattles me a bit, but hopefully I'll win on a renewing the traverse or appealing the traverse. It was nice of them to commit fraud with a paper trail, because it adds a little comfort.

Quote:

Originally Posted by Qtip

Are you able to log into the account to look at the e-bill? I thought that was the first thing they killed also.

I'm trying to find my password. The last time I logged in was so long ago. I would have thought that was the first thing that they turned off as well. Maybe, because the OC went through a merger it caused a glitch?

drivel · 07-17-2007, 02:10 PM

Quote:

Originally Posted by acebo

Take a look at this article. In the fall my Drs. were set to diagnose me with fibromyalgia. I went to an ENT, because a brain MRI showed my ethmoids were opacified and he sent me for a sleep study. It turned out that I had UAR, from a complete nasal blockage. Once I had the sinus and nasal surgery to clear everything up, *most* of my fibromyalgia symptoms cleared up.

I hope you are feeling better soon. This is why Drivel makes me laugh, because he thinks that the majority of people are in credit hell, because of choice. Well, I guess it was my choice to not have enough disability insurance, but that would have been a financial nightmare in itself.

I haven't. I suppose that I've tried to pretend like I don't exist, afraid that if I tried, it would set off some kind of internal alarm system.

I can assure you, I've never said that.

I always try to avoid broad generalizations such as collectors are dumb, all jdb's are evil, etc.