backing out of a deal
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Kevin C
Re: backing out of a deal
She won't get fired because of what you did. If she gets fired it's because of what she did. Don't forget that advice from the Navy leagal office. Sounds like you didn't sign anything so you are not obligated to pay anything, but to be on the safe side check with leagal.
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Heidi D.
Re: backing out of a deal
Okay guys, now she's done it. First of all, she hasn't returned my call since I told her I don't want her loan or her house, or any other loan she can secure me. Since then she's pulled my credit twice and put in loan applications with other mortgage companies!!! I have these people calling me about my loan app, plus getting these alerts with my credit checking service. I worked HARD to pull my credit up, and she's pulled it no less than 5 times since this has all started!! What the hell is she doing and is this illegal?????? Especially since I told her deal is off, NO.
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rmurray
Re: backing out of a deal
Mortgage applications within a month of each other all count as 1 inquirey...This will not hurt your credit scores...Call her manager and tell him to stop...
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Pendragon
Re: backing out of a deal
Pulling your reports without your consent or after consent has been withdrawn is a crime.
Call her manager, tell him you will be filing a complaint for damages due to his company pulling unauthorized credit reports and then DO IT.
I believe 1B applies to you 'without a permissible purpose', once you declined to do business with them, their permissible purpose no longer existed.
Hard part of course would be proving the the day you withdrew permission.
You need a send a letter, right now, indicating you want no further business with them, and 'per your call on xxx date', no further credit reports may be pulled.
If it isn't in writing, it didn't happen!
§ 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n]
(a) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of
(1)(A) any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or
(B) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;
(2) such amount of punitive damages as the court may allow; and
(3) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney's fees as determined by the court.
Call her manager, tell him you will be filing a complaint for damages due to his company pulling unauthorized credit reports and then DO IT.
I believe 1B applies to you 'without a permissible purpose', once you declined to do business with them, their permissible purpose no longer existed.
Hard part of course would be proving the the day you withdrew permission.
You need a send a letter, right now, indicating you want no further business with them, and 'per your call on xxx date', no further credit reports may be pulled.
If it isn't in writing, it didn't happen!
§ 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n]
(a) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of
(1)(A) any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or
(B) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;
(2) such amount of punitive damages as the court may allow; and
(3) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney's fees as determined by the court.
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