I was sued by a credit card company. I was inexperienced at the time and did not keep receipts of payments totalling 3400.00. I did everything with money orders. The law firm purged the records of accounts that came from this credit card company. Is that legal ? Shouldn't they have kept records of my payments for a certain period of time ??? This happened in Ohio. This is an issue because it is still on my credit report as "unsatisfied" even though I paid this in full and even worse could damage my ability to close on my new home at the end of the month.
2007-02-18 10:36:11 · 5 answers · asked by Anonymous in Politics & Government ➔ Law & Ethics
I did not keep records and this is why I have this problem. I just want something definitive as to whether it is legal or illegal to purge the payments after only 2 to 3 years. This happened in 2004.
2007-02-20 03:07:32 · update #1
Even if it is illegal, unless you kept your copies of the money orders, their is no proof that the records the purged ever existed. If you did keep your copies, you don't need their records.
2007-02-18 11:12:19 · answer #1 · answered by STEVEN F 7 · 0⤊ 0⤋
I'm not an attorney but I am pretty sure it IS illegal. I would suggest getting an attorney or at least a fee consultation. You oculd petition the court to subpeana (sp?) the documents, then when the documents cannot be produced the company and firm would be in trouble and may even be ordered to have it removed from your credit or marked as paid. Its worth a shot.
I cell phone company has done this with me, it really sucks.
2007-02-18 10:42:23 · answer #2 · answered by laketahoedragoness 3 · 0⤊ 0⤋
you did dispute the credit report and notify the credit card company who is obligated to update the information didn't you?
Yes they must keep records for a number of years -- It varies but I believe this one is 5 or 7 years.
2007-02-18 10:44:25 · answer #3 · answered by pilot 5 · 0⤊ 0⤋
Just prove you paid them, by showing them YOUR records, I am sure you keep copies right ?
You can not count on the company you are paying to keep records, it is you that has that responsiblity
2007-02-18 10:41:47 · answer #4 · answered by Anonymous · 2⤊ 0⤋
you are able to attempt and record a bar criticism. and opposing legal experts continuously verify with one yet another to aim and settle. its not quite quite worth the fee or time to pass to trial in maximum situations.
2016-12-17 13:17:26 · answer #5 · answered by ? 4 · 0⤊ 0⤋