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HomeCredit ForumCredit repair

Can Dish Network charge some1 else account 2 my card?

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sierra_152003



Joined: 10 Aug 2008
sierra_152003's page
Posts: 2



83 Magic Points
Subject: Can Dish Network charge some1 else account 2 my card?
 
 Posted on Sun Aug 10, 2008 12:43 pm  
I'm in Alabama and what if Dish Network charge someone else account to my Region bank card because they didnt mail in Dish equiment. When I talk to Dish on the phone they only told me a he need a dollar didnt say if he dont send the equiment back to them they would charge my card for it. Now Region Bank has it in collection and I want to know how i get it off my credit report or go without having to pay for it have my friend pay it was their purchase, but I got charge for it. Please Help Someone
 
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 417



10874 Magic Points
 
 Posted on Mon Aug 11, 2008 7:18 am  
Hi sierra
Since you know that you are not at all responsible for the payment, you can directly dispute the listing with the credit bureaus. Moreover, They cannot charge you for other's fault. It is totally illegal. You can also ask them to validate the debt. I think they will not be able to validate it and you can easily get this listing removed from your report.
_________________
Best Wishes
Justin
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2858



1966 Magic Points
 
 Posted on Mon Aug 11, 2008 1:41 pm  
Looks like you got the best advice here from Justin. If you need any help on knowing how to do any of the thigs listed above just ask. We can guide you in the right direction.
 
Sierrra
Guest
 
 Posted on Mon Aug 11, 2008 4:22 pm  
Thanks for the help. I do need the info on how to validate the debt. When I check my credit report in April it wasnt on my credit report, but when I try to go a bank to open up a checking account it shows up I have recieved a letter from a collection agency a couple of months ago but didnt know what to do about it so, I need all the info I can to solve this problem.
 
sierra
Guest
Subject: Dish Network
 
 Posted on Mon Aug 11, 2008 8:02 pm  
What if Region Bank have all ready sent the account to a collection agency?
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3137



5332 Magic Points
 
 Posted on Tue Aug 12, 2008 3:37 am  
Then you send a debt validation letter to the collection agency, but if I were you I would file complaint on this with your states attorney generals office, the bbb and any one else that you can think of the govern these companies.

You can file all these complaints on line in a matter of minutes, just google them and their web pages will come up.

You can get a sample debt validation letter on this webpage, just search for it in the box above and the sames will come up, or hit the forums button and look at the sticky's, the letters are there.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 417



10874 Magic Points
 
 Posted on Tue Aug 12, 2008 10:49 am  
Hi Sierra
If the regional bank has already send it to the collection agency, then you will find the name of the collection agency in the credit report. You need to send the debt validation letter to the CA if the CA personally informs you in writing that you owe the debt to him or if you find the name listed in your credit report.
_________________
Best Wishes
Justin
 
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 493



12319 Magic Points
 
 Posted on Tue Aug 12, 2008 11:04 am  
Hi Sierra
You need to check your credit report again to find out whether any collection agency listing is recently added in your credit report. If there is any CA listing on your report, you can send a debt validation letter under certified mail to the CA. There is a sample debt validation letter in this site itself. The URl for the page is http://www.creditmagic.org/repair/sampleletter-debtvalidation.html. Hope this helps.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2858



1966 Magic Points
 
 Posted on Tue Aug 12, 2008 4:46 pm  
Just as I said everyone here is willing to lead you in the right direction. You should also always use your three free pulls to check your credit every four months. Each of the credit reporting agencies gives you a freeebee. You can see how by going to www.annualcreditreport.com. or ask here.
 
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