Six years ago, in 2002. I financed a 98' Nissan Frontier for my wife (now ex-wife). We had the truck for one month and noticed that the front end shook really bad. There was frame damage! We bought this in Altus, OK from a dealership called Toyota Putnam. I took the truck back and explained to the owner why I was upset. He said that there was nothing he could do about it. Long story short... I got a lawyer named Brendan McHugh and had a lawsuit against the company. I won and the finance company (actually called "The Finance Co.") paid off the vehicle and refunded me the payments I made on it. I, in turn, gave that money to pay off my lawyer. Sounds great right, wrong!
I got a phone call today from Consumer Portfolio Services saying that they bought the collection from The Finace Co. And now I owe them over $8,000. I explained to them that I had a lawsuit on the other company and I won. They said taht they have no records of this and asked if I could prove it. I kept the paperwork filed for a few years but I eventually threw it away. I told them the names of the companies and the name of my lawyer and they told me that I'll have to resolve this myself. I asked them how is it possible for me to have excellent credit and no history of this for six years and then all of the sudden BAM? They couldn't explain this to me.
So now I'm contacting that lawyer and praying that he has the paperwork from SIX YEARS AGO! They said that this will go on my credit report. How is this possible? If anyone can help me I would greatly appreciate it! I will update what happens on here as time goes by. If this misunderstanding, scam, collection fraud, etc. (what ever this is) excels any further I will be expecting a "BIG CHECK" from them for I will be going to court.
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