From 1989-1991 I was stationed with the Navy in the Phillipines. I had a car that was financed by another company and took it with me. While overseas, I kept auto insurance on the car (full coverage) from AIG insurance. Upon returning to San Diego, I transfered my insurance to Farmers, again with full coverage. Three months later, the car came up missing from my apartment parking area. I notified the insurance company and prior to them making a settlement, I received a letter from a repo company stating the car was repossed due to not keeping insurance on the car. Farmers insured me that they had reported my insurance to the financing company. I called the repo company and the finance company and told them that a "copy of my insurance policy" was in the glove compartment of the car and asked them to look at it. Two days later, I received a phone call from the repo company telling me I could pick the car up from Oakland, Ca. I informed them that my ship was deploying in support of Desert Storm and that it would be impossible for me to go from San Diego to Oakland for it. I asked if he can bring the car to me, he said "no". I offered to pay to have it shipped, he said "you must come and pick it up". I could not get to Oakland and my ship deployed that week to Desert Storm. During deployment I had received a letter stating that the car will be sold at auction because I did not pick it up.
Six months later I returned from deployment.in 1992 I had received a letter from a collection agency concerning the car. I told them the same story and also notified them that I was presently in a Chapter 7 bankruptcy (filed in 1987 prior to my divorce). I disputed the dedt, sent them all the required paperwork (copy of bankruptcy and letter of dispute). They told me the matter was settled. I heard nothing else for 13 years!!! I received a letter in 2004 from MIDLAND FUNDING Ncc-2 Corp. Demanding I pay for the car. I notified them that I disputed it, the reason why, and also informed them that another company 13 years prior had told me the matter was taken care of. I gave them the information on the other collection company and I even asked them if they could still try to collect on a debt that was cleared 13 ago. I got no direct answer other than " we want our money, or a copy of the bankruptcy (which by the way was over and off my credit report in 1997).
I gave them the same information that I gave the other collection company 13 years ago and heard nothing else from MIDLAND. NOW I received a letter from OCWEN on behalf of MIDLAND demanding payment of $5165.59. I am presently in a dedt management program and tired of going thru this over and over again. Is this unfair collection practice or what?
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