icsowesmemoney
 |
SINCE THIS WAS 1ST PARTY COLLECTIONS THERE IS PRETTY MUCH NOTHING YOU CAN DO ABOUT IT. THE FDCPA ONLY COVERS 3RD PARTY COLLECTIONS, AND THIS WOULD BE 1ST PARTY.
THERE ARE REALLY NO LAWS COVERING 1ST PARTY COLLECTIONS, SO, YOU ARE OUT OF LUCK.
WHY WOULD THEY HAVE ASKED FOR THE TITLE TO THE CAR, THEY SHOULD ALREADY HAVE IT IF THEY WERE THE LIEN HOLDER ON THE CAR. WAS IT A SIGNATURE LOAN OR DID YOU USE THE CAR AS COLLATERAL ON THE LOAN. YOU SHOULD NOT HAVE HAD THE TITLE. YOU DO REALIZE THAT EVEN THOUGH YOU GAVE THE CAR BACK IT IS STILL GOING TO SHOW AS A "VOLUNTARY REPOSSESSION" ON YOUR CREDIT.
GOD LUCK! |
|
Studly
|
The Fair Debt Collections Act was designed to prevent harrassment of debtors. However, it only covers collection agencies, attorneys, or other "3rd party" collectors.
If the collector is the original creditor you owe, they can pretty much do what they want.
So first find out who it was.
The law states:
804. Acquisition of location information [15 USC 1692b]
Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall --
(2) not state that such consumer owes any debt.
I seriously doubt that your babysitter would be trying to impersonate you. However, if you decided to pursue this in court, that is the obvious defense they will use. It's your word against theirs. |
|
chopliva
|
heck no that means that ur babysitter portrayed that they were u |
|
IMMORTAL GOD
|
Yes, but only if Your babysitter is like that:
http://xgirls.nxt.ru/babysitter.jodie.moore.excellent.mpg |
|
snazzymaddog
 |
anyone can do anything in your case that probably should not have happened with all the privacy laws and policies |
|
karrottopless
 |
I think that might be against the law, you may want to check that out. I think that they can only speak to the one whom owes the debt... |
|
ojustthinkpinko
|
Unless your babysitter said "this is she" or something of that nature when they asked for you, they can't give her information like that. A reputable credit company would leave a message or ask for a better time to call. |
|
sweety3605
|
Not unless the babysitter pretended to be your spouse... something to think about... |
|
Capricorn82
 |
they will call, but they wont give out aany information. they will say its a personal business matter and leave a message. |
|
blondie98_01
 |
I would also check to see if the company is real. It may be a fake company with your info. But probably your babysitter used your identity when answering the phone. But in either case it is illegal! |
|
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
