18007721413 - whose number is this?

Tania,

It seems that portfolio recovery associates has transferred your account to Ltd Financial Services LP. You have told that Natwest card account is not appearing in your report. Could you remember when you last paid to this account? If your account is past SOL then you are not legally obliged to pay it.

i m sorry about my english stanley,it is not a discovery account is a number ltd put for my husband's account for pay 1300 with a discover card.i dont know with account is that,i never saw in my life.because this big mistake of ltd that they dont received 1300 dollars and discover anulate a transfer and put back in the discover card of my husband.

i just find a letter from ltd from june,2003:-"your account with the above named client (re:natwest fleet account )has been assign to ltd financial services,a collection agency.this is an attempt to collect a debt and any information obtained will be used for that purpose. unless you notify in 30 days after received this notice that you dispute the validity of the debit or any portion thereof,this office assume this debt is valid.,etc...i just found this letter here from june 16,2003 and they sure send to me and i didnt know nothing about this,until i find this forum,that every day teach me things and i m learning because all of you,from debt consolidation care.they begin to send letters only in january 2004 and begin to charge my husband in october 2004,after they attack us like bees,because 150 dollars from his disability check was not enough every month and they want finish fast.

trans union of 2003 is clean.this account disappear and i dont think i owne this people.this account is only 15 years old,the sol...thanks again .

november 7,2004 and april 7,2005 didnt change the debit collector in a pre-authorized debit from citibank federal savings bank.i have a pile of letters here.pay the order of LTD FINANCIAL SERVICES 150 dollars and i have the check april 7,2005 in the name of ltd and 00000000738 is your number ltd.mark true to this line and believe is not a false line.sorry but im tired to see ltd treat people like carbage and torment them like is only a job they have to do and they really dont care about nobody.but i care about people and i hate everybody without feelings.

Tania, could you plz tell us when did you make your last payment to this card. I understand it is a 15 year old card. But have you made any payment to Ltd or any other company yet? SOL starts from the date of last activity in your account.

Also tell us in which state do you live? It will help to comment on this topic.

They cannot garnish disability check w/o winning a judgment against you. If they do, you can sue them according to law.

i just found that i have a card from fleet national bank was a joint account and i never saw this card,but my husband have one with this number from 1991 and now i check my equifax from may 28,1998 and they said:fleet national bank that is natwest,previo us payment history;1 time 30 days late,2 times 60 day late;3 times 90 days late.previos status;9-95r5;8/95;7/95-r4 charged off account credit card.i live in the state of florida for 10 years and in my equifax this account disappear long time ago.

Tania,

If the SOL of the account has expired, no one can take legal actions against you to collect it. SOL is calculated from the date of last activity found in the account. It will be counted from the day you last paid an installment to this account.

SOL varies from state to state and the state laws where the account was opened initially are considered.

It seems from your posts that the card is past SOL, so you need not worry so much. Send LTD a cease and desist letter by CMRRR. If they continue to call you even after receiving the letter, you can file your complaint with FTC, BBB and state Attorney General's office.

Also go through this thread to understand the SOL of Florida-

http://www.debtconsolidationcare.com/forums/sol-fl.html

i just found other fleet here in my name and i didnt know that.my husband was paying because he uses the cards,but is the number that ltd try to use for pay the other account.this credit account was opened in 10-05-92 and has revolving payment therms.last payment report to experian 4-8-96months review ;44.payment history9-9---9 times late;30=0,60=0,DEROG=3.PLEASE I M CONFUSED AGAIN.

i make a mistake above when i said about ltd try to pay is not ltd is my husband that tries to pay 1300 dollars with a discover card and they put another number different of 85092023**** and was 42418509-2023 **** and now i just found this number in my experian of 1997.



Account number deleted for your safety-Vikas

pay to the order of ltd financial service 150 dollars,citybank federal savings bank from a disability check of my husband,pre authorized debit from a person that is a mentally ill and blind.0000000732 is your luck number ltd and have a nice week end.

i m so angry with this people of ltd 77074 and i want to ask GOD to bless all of you of debt consolidation care for the tremendous help you are giving all of us that are abuse because you dont know our rights.thanks is not enough to thanks all of you.

equifax -to start any investigation,please visit us at:www.investigate equifax.com
Dear tania alvarez:bellow are the results of your request for equifax to reinvestigate certs elements of your credit file.equifax contacted each source directly and our investigation is now completed.we have reviewed yours concerns and ours conclusions are:the disputed ltd financial is currently not reporting in your credit file.thank for giving equifax the opportunity to serve you."i just find this page of equifax and i didnt read it,only today i found this line and i think is very important and i go to order a equifax 2006!!!!

Hi Tania,

Welcome back :D

That sounds good. Go ahead. If you find this account to appear in your report again, you can dispute it with this Equifax response in your hand. Best of luck :D

I am being called by this company at least once a month for the last 2-3 months about my sister (age over 21) who doesn't live in my household. They said she put my number on her application. I asked her if she did and she said she did not. I asked LTD to fax me the application so I could see if in fact that my number is on it and would take it up with her. The company said that I should give them her number (I don't feel I have the right to do this) and they would stop calling and that is it. I am not going to do this. My household is separate from hers and I should not be harassed if she did or did not put my number on the application. Stop calling and remove my number! I spoked with a Brandon who said he is the dept manager and then i asked for his manager (on vacation) then his (also on vacation). I even called back looking for someone not in that dept like a public relations office or something but still got to them! The person calling is Dianna.

Shashinka,

Welcome to forums :D

LTD Financial Services LP is a collection agency. They collect debt on behalf of other companies. It might be possible that your sister did refer your number in some other places that are now transferred to LTD.

Since you are no way connected to this debt, send them cease comm. letter. They should stop calling you once they receive this mail. Don't forget to send your mail through CMRRR. Also ask your sister to follow up this issue. It is always advisable to pay back debts if any.

OK I asked them verbally. I will try what you're saying. Not familar with CMRRR. How do I do this?

Thanks for your help!

Certified Mail with Return Receipt Requested :wink:

i have to solve more misteries and i was thinking this chapter finish before and i didnt want to finish.i have go to make a research to all my papers.i have a lot of papers here maybe too much papers.
ltd and a check 739-5-12-05 returned check and 5-18-05, check 739 returned check 30 dollars fee.now ltd may 13,2005 discover letter and the transfer balance for natwest ****-****-****-**** wrong visa account and the original is************ and may 13,2005 a transfer balance 1300 dollars for natwest from discover card and the letter from discover card june 23,2005 and they said; "the check we receiveid from you is state dated.your account with creditor is already paid in full.your account number with the creditor is incorrect.it was returned by post office ".signed discover financial service,inc.maybe is time i take this people to court and i was thinking no money can pay and repair what ltd is doing with innocent people that tries to pay their bills.i have to wait for the correct time.today is saturday is a good day for suffer and i dint finish yet.

Account numbers deleted for your safety-Vikas

i really wants justice and i went one time to the court and i really enjoy the court,the big companies all over and us me and my husband there.i didnt get any money but the academy (2003) was in my husband back and they disappear and put a famous lawyer doing business with us. the chase didnt handle well the old account from 90's of new york city and my husband was paying the chase and they stop to charge him and the account of 4000 dollars came to 8000 and academy tries hard in 2003 but they give the case to a famous lawyer and he charged fees for courts and everything for 10.000 and he call and told us he goes to take us to the court.the man came here and give us the order to go to the court.you went and was fascinanting i really enjoy to see the judge and was better for us.the name of a lawyer stays in our equifax and go to disapear.i dont fear nobody and i have proof of everything i say and i have a paper here from academy 2003,i have all the letters of chase,all the letters of this big lawyer.what a shame!i really dont care if some people make joke about my ENGLISH because is not my language and i try so hard to express myself and i know that i have very nice people that like me and dont care about my English.i love the English idiom is very beautiful and i m proud to speak and write very well portuguese.

Hi Tania,

Nice to hear that you enjoyed the court. Since you and your husband have on the right path always, things will definitely go in your favor. Best of luck :D

You are telling me to do a Certified Mail with Return Receipt Requested. Is there any guarantee this will work?

1/23/06 - MON - 8:30pm - told them that person didn't live at this number
1/25/06 - WED - 8:30am - called again, left message on our machine

Quote:

ltd financial services 150 dollars,citybank federal savings bank.pre authorized debit. ltd call thursday to make a survey about with program of television my husband like more.he is blind but he is alive,he loves history channel and dont forget ltd to call from a real number,next time.

behind the check is this:pay to the order of BANK ONE;NA 1110...... FOR DEPOSIT ONLY LTD FINANCIAL SERVICES,LP.next time they call here i'll give all numbers i have here.is against the law i give their account number in bank one?my husband social security 311,00 and social security 288,00 in the statement of city bank and sure are disability checks every month.

CMRRR is Certified Mail with Return Receipt Requested.

Kind of sounds like a case of Offshoring gone bad. I would call Dell and tell them whats going on. I am sure Dell would not appreciate the bad publicity this company is causing them.

Problem is many Indian companies hire inexperienced employees who just do not understand how things work here. These offshore companies misrepresent themselvs and hire cheap employees to save on cost who do not know what they are doing.

I would definetly alert Dell or whatever US based company chose to Offshore to them and send them a formal complaint as well as issuing a complaint with both the FTC and your States Attouneys office. You may even consider a law suit.

LTD 77074 told my husband to send 500 dollars by western union or go to deposit fast 500 dollars in their account in BANK ONE.they(ltd 77074) was screaming with him,they told him if he dont put this money he goes to be arrest.my husband told the outlaws he couldnt pay 500,00.they told him he can pay 435.56.MY husband hang up and ask me for their phone number.i did a mistake and gave him the telephone of NATIONAL financial systems,inc and he just had finish paid them.I TOLD MY HUSBAND WAS THE WRONG NUMBER and i'm sorry with excuse me was not enough to stop them. National financial systems,inc deposit this check many times ,ventus capital services and COLLECTCORP collection agency just want to participate of this event of robbery and abuse and send letters with the amount of 435.56.

i just find a serious problem here.very serious and i dont know what to say.check serial number 739 -amount 150,00-5-12-05 stop payment request.date 5-20-05 check 739 and action take returned and fee charged 30,00 for insufficient funds and this papers have no name,i assume ltd deposit the check 739 . a letter of citybank:stop payment service "in accordance with your instructions of 6-2-05 at 10-32,we have placed a stop payment based upon the following request furnished by you.the check serial number was 739,the amount was 150 dollars,the date was 5-07-05.the payee was national financial systems and the reason was change.stop payment remain in effect until 12/02/05. it is a lie the stop payment was in5=12-05 and not 6-02-05 (i have letter here ).i dont want to believe it!citybank deposit the check 739 em 5-7-05 and this account past sol of citibank we had paid already to national financial systems.citibank is responsable for deposit this check and i have proof here.the other check of 435.56 that my husband gave by mistake to financial systems was deposited many times too.they use the same check 739 that gave a stop to ltd again in july for national financial systems ,inc for pay a citybank a visa past sol that was paid already and they saw that was easy robber a person that make a mistake of 435.56 and is blind. is not him that make a mistake was me.i only switch phone numbers with ltd and financial systems,the problem my English is bad,but i' m not stupid.all these people are guilt and ltd is like them .

ltd 77074 lost a check 739 and 795 and the 1300,00 from a transfer from discover card.ltd 77074 did a mistake and uses another account number and discover cancelate a transfer.my husband gave already 7 checks of 150.00 to ltd 77074 from his social security disability .ltd promissed to arrest him if he dont dont make a check fast for 435.56.Did you remember ltd 77074?

I was recently attempting to reconcile some bank statements and couldn't figure out why my check book and my accounts were consistantly $50 different.

I went through the statement and check book, entry by entry till I found it. Check number 16 in the amount of $50. So I went back and for the past 16 months LTD Financial has been sending checks to my bank for $50. I didn't authorize these transactions. Half the information on the check is incorrect.

At this point, LTD is refusing to return my phone calls, and my bank is saying they'll only go back 60 days. There is nothing on my credit report from the company these people are collecting for, nor is there anything from LTD themselves on my credit report. (I have a copy from all three reporting agencies)

This company is an awful company. I've lost $800 to them for a debt I don't owe.

Jennie,

File your complaint with FTC, BBB and AG's office in your state. And ask your bank if they can stop this kind of debiting in future.

Another thing jennie, you are saying that you never authorized them to debit your account, then how did they get your bank account information? Did you ever have any deal with them?

I received a msg asking me to call the infamous 800-718-3583 number. I searched and found this site. The call was in error because I owe nothing and have a spotless credit history, nor have I ever had anything to do with Dell. Turns out it was in regard to a dirt bag with the same last name that I had been harassed over by another collection agency not long ago receiving calls at 6am and 11pm. After strongly worded calls to company management for them to cease and desist, my phone number was removed from their file and I received no further calls. Looks like the debt was sold and somehow my number was once again associated with this dirt bag. What can I do to prevent this from happening over and over again?? I resent having to waste my time "fixing" a problem caused through no fault of my own.

Lots of people come across this type of situation everyday. Sending cease and desist letter could be the best policy, but I doubt if they will honor it. Still it will give the process a legal shape.

When they call again, strongly ask for the supervisor, as you did with the previous CA.

Since the same mistake is taking place again and again, consider changing your number if possible.

I had dealings with this company. The short side of the story is that the company they were contracted by broke a contract we had. My husband and I refused to pay on the contract because of the breach.

During the process of dealing with the first company, they sent our account to collections, along with all the bank information.

The first time we dealt with LTD, they demanded that we pay the bill. We told them that for several reasons, we didn't owe it. They told us they had our bank information and they would start debiting our account. We told them if they did, we would sue.

The first time they debited our account was almost two years after that conversation. We contacted their office a few days ago and told them we were going to sue them because of what they have done. We have contacted the BBB, the AG of the State of Texas, and an attorney. The attorney we contacted has already sent them a letter to immediately cease the withdrawing of money from our account.

Since a few days ago when I contacted them (LTD) I have received over 30 calls from them demanding payments.

Police reports have been filed. This company uses awful tactics to try to collect on debts that are considered zombie debts, or "uncollectable". These people use any method possible (even resorting to illegal means) to get money that, in many cases, they aren't even owed.

After I had proven to LTD the debt was due to ID theft, they subsequently resold my account to two collection agencies RMS in St. Louis (May 2005) and GACC in TX (Jan 2006). This has got to be against the law.

After calling LTD about this one of their "Supervisers" said that's how it works...

Is this practice of selling ID Fraud accounts legal? Anything I can do about this? Please help....


Email deleted as per forum rules-Vikas

Jason,

Selling debts that were incurred fraudulently is not righteous. But you should have performed the precautionary steps that one should take when ID theft occurs. It helps you to keep your credit clean and safe. Have you done all these?

If you state collectors that the debt they were collecting was due to an ID fraud, they will not believe this. So you have to show enough evidences. Also you need to place a fraud alert on your credit report by contacting credit bureaus. Check it here-

http://www.debtconsolidationcare.com/forums/lost-wallet.html

Stanley,

Thanks for the info. I believe I've done all of this. When I was notified by the collectors the first time; I filed a report with my local Police Department. Cleared the account with the original creditor. They even issued me a letter saying I'm exhonerated. I then called all three credit agencies and put alerts on my account.

When I sent all these information to LTD; they stopped harassing me for 3 years... Until of course they sold the account to someone else. When I cleared with the new collector; LTD sold the account again to another collector after 6 months.

Then it's clearly a bad intention on their part. They purposefully sold your account to some other agency. They are not supposed to do it. Contact your new collector and tell them what LTD has been doing with you for years.

Also consult a lawyer to know how to get it solved. I think you can file suit with small claim court and demand compensation for the inconvenience caused. Keep us posted on this matter.

I worked with LTD for a year and a half. They were extremely proffesional, have excellent managment that goes hours of "customer service" oriented training. J.Brewster (the head honcho) is not in any way a hood. He is a born again christian, and runs his buisness with a sence of pride and dignity that any christian, muslim, jewish person or whomever would see as unsinfull. Maybe because you are in the position as the debtor, your frustrations with the mistakes you have made have caused your heart to grow hard, and your sence of right and wrong to fall astray....best wishes

brandon

Advantage Assets is the name of the company that bought out your debt form the bank, or institution you didnt pay the bill to originally. Advantage Assets is most likely owned by the same owners of LTD Financial, just under another license. Advantage assets could also be a company that buys out debt, and hires collections companies to collect on it.

hontzwirman,

I appreciate your input here. Could you please go through this entire thread starting from the page 1? And please suggest some solution to those who have problems in dealing with LTD. I can tell you that one person Tania Alvarez had some serious problem with this collection agency. If you browse this thread, you can see her posts frequently.

Waiting for your response.

i dont believe that you work in ltd 77074.i dont believe one word you say,brandon.if you like so much this people and think they are people really good and professional,believe me you never saw them in action OR YOU ARE LIKE THEM.i believe you like the man born cristian again (the head honchooo) and i go to tell one thing maybe the owner of the house(ltd 77074) go out always and never see what rats can do when he goes out or he is living a double life of a good samaritan or a devil.i m waiting ltd 77074 to take me and my husband to the court and i go tell you,brandon. i only fear GOD and i have papers here to proof Ltd 77074 are not professional,honest or educated.

ltd people are not professional,honest ou educated.THEY ARE BARBARIANS.

ltd 77074 is a wonderful agency and nobody is doing nothing wrong and is not fair what people say about them ,said brandon.believe or not me and my husband live in Florida for 10 years.the account is from NEW YORK CITY AND LAST ACTIVITY in 3-95 and they took seven checks eletronics in the total of 1050,00 of the disability check of my husband.they had scream day and night with him and make our life impossible until i see this forum.this forum(debt consolidation CARE)is doing a tremendous job and had stopped all illegal transations and abusive calls.

how have old bill on credit ti not my take off

tsbnn,

Could you please elaborate your question? Then it would be easier for me and other members to put suitable reply here.

ltd 77074 take off 1050,00 of disability check.it's against the law.ltd 77074 take OFF very fast when saw this forum.