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Announcements and FAQ Due to SPAM and too many morons, registration is disabled. Currently only the FREE SPEECH and WELLSTONE FILTERS forums are active. To obtain an account, please submit your desired user name at [URL=http://liarsandcheats.info/contact/]http://liarsandcheats.info/contact/[/URL] |
25 | 21 |  Mar 23 2009, 01:27 PMIn: Audio files - I record a LOT! By: Christine |
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Wellstone Filters OTCBB:WFSN -- PRISON for publishing the TRUTH about Wellstone? In 2004 I received illegal junk faxes touting Wellstone Filters OTCBB:WLSF I sued and I offered a $1,000 REWARD for info leading to the conviction of the junk faxers. On 11/9/2009 Wellstone Filters Sciences and Learned Jeremiah Hand SUED me and demanded deletion of "all references" to them, the Hands, Ceramis and "associates." I'm not an attorney, don't have the money for an attorney and since the Hollander litigation almost killed me, I decided to DELETE everything. On 2/18/10 Wellstone attorney Phillips faxed me the CONTEMPT order and threats of IMPRISONMENT. 2/27/10: I'm bringing the FACTS about Wellstone and the Hands back online and yesterday I filed several motions. Will I be IMPRISONED because I expose FRAUD and CRIME and I fight for our civil rights, the RIGHT to free speech and to publish the TRUTH? Subforums: The Hand family businesses, Wellstone Filters Sciences, Inc -- OTCBB: WFSN |
73 | 85 | Jun 10 2010, 10:53 PM In: PLEASE spread the TRUTH abo... By: Christine |
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FREE speech on the web? 12/12/08: Dr. Tameira Hollander in Colorado obtained a court order requiring me to shut down my main website, CreditSuit.org for TWO months! She FAILED to submit a single exhibit or quote in support of her ludicrous defamation claim. Did her attorneys BRIBE the judge? 11/19/09: FINALLY the judge ruled that I CAN publish the litigation and that I enjoyed immunity for posting a LINK to doctor Hollander's former patient's site. It became clear that doctor Hollander had FALSELY accused me of publishing a companion website and multiple defamatory statements UNDER OATH! However, judge Rafferty also ruled that she did NOT commit perjury! Why is that? The Colorado court ordered a bench warrant for my arrest because I dared to publish the TRUTH!!! 11/9/09: Wellstone Filter Sciences, Inc and Learned Jeremiah Hand sued me and obtained a TRO to have me delete ALL posts including the documentation related to my Wellstone 2004 to 2006 investigation. I didn't have it in me to fight any longer, the Hollander litigation took all I got -- financially and emotionally -- it almost killed me. I also agreed to delete EVERTHING I'd written about the doctor Hollander litigation because of threats of being arrested by the court and by her attorney Irving Johnson. 2/27/10: As you can see in the Wellstone topic above, I'm in it for the fight of my life. I'm no longer afraid. Millions of people have given their lives in their fight for our rights. I'll go to jail if that's what it takes to draw attention to corrupt courts, crooks in robes and the SCUM that's licensed to practice law. I have nothing left to lose but my integrity and I will not delete the TRUTH. |
12 | 14 | Oct 1 2009, 06:50 PM In: Jeremiah Hand legal threats... By: Christine |
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Cream skimming CONSUMER ADVOCATE lawyers sold out to the corporations Most consumer lawyers only want to represent wealthy consumers with LARGE damages so they can get a quick secret settlement with a large percentage going to their ATTORNEYS fees. Experian, Equifax, Trans Union, Capital One, Chase and every other corporation who willfully and maliciously violates consumer laws write their fat paychecks! Are you surprised that they do NOT work to change this corrupt system so that everybody gets a better chance at an accurate credit report? |
9 | 8 | Feb 15 2006, 04:06 PM In: 8/23/03 Szwak letter re. Ve... By: Christine |
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Why are the regulators REFUSING to enforce the law? The FRCA is supposed to be enforced by various regulators and they ALL side with the creditors and CRAs and do NOTHING! I posted here my comments to the FTC and FRB regarding credit scoring and credit reporting. My submissions are excellent credit repair primers and entirely FREE! |
12 | 9 | Jun 27 2007, 11:35 AM In: 6/21/07: my Open Letter to ... By: Christine |
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Contacting legislators and lobbying If you contacted a regulator or legislator, please post your experience. It's very frustrating that the people with the knowledge and power to make a difference for the disadvantaged are obsessed with fundraising and wealth. ACORN, Nader, the Kucinich supporters, Catherine Fitts from Solari -- corrupt and sold out to the special interests. |
14 | 29 | Jun 27 2007, 11:34 AM In: My 6/21/07 Open Letter to C... By: Christine |
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Action Alerts! Operation CLICK: Use up the advertisers' budget, click on those ads at up to $12 per click for pay per click mortgage ads. Operation FAKE leads: Submit fake leads until advertisers won't pay for them anymore. LowerMyBills.com pays $32 - $40 PER lead! You decide who gets the advertising dollars. Click on links at "friendly" sites. You hate spam? Document the life of your lead. |
3 | 6 | Dec 17 2005, 03:23 PM In: Operation FAKE Leads: subm... By: johnatmls |
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WaMu charges 26% interest -- my credit is PERFECT! 5/07: WaMu used credit scores to determine how great a risk I am and it more than DOUBLED my interest rate to 26%. 11/15/07: WaMu DENIED my request to lower the 26% rate. 12/9/07: My payment is due and I decided NOT to pay them. Enough is ENOUGH! |
4 | 0 | Dec 9 2007, 11:29 PM In: WaMu corporate profile: sh... By: Christine |
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Juniper - Barclays Juniper closed my account a long time ago. I've been paying the minimum payment and recently asked them to reopen the account. Barclays declined. I'm also paying 26.24% interest on the cash advance balance. I see NO reason to pay Barclays any longer. |
2 | 0 | Dec 27 2007, 10:13 PM In: 12/27/07 Open Letter to Bar... By: Christine |
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Lexington and Bradley Ross Law credit repair fraud EXPOSED! It's time to shut them down! They know nothing about credit and are likely to cause PERMANENT damages to your credit scores. Just like Bill Bauer's CreditWrench, CreditAttorney, ClearCredit, .... |
22 | 47 | Nov 9 2009, 09:26 AM In: Update: Stephen Snyder... By: Christine |
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Fair Isaac credit scoring fraudware FICO scores are required for most mortgages and a MAJOR cause of the subprime crisis. Fair Isaac "tweaked" the formula to add entirely FICTITIOUS late payments to Equifax credit reports to lower the FICO scores. Fair Isaac ARTIFICIALLY lowers the FICO scores. Fair Isaac doesn't predict defaults, it CAUSES the defaults through artificially low FICO scores, causing consumers rates and payments to increase and forcing consumers into subprime loans. |
12 | 31 | Apr 29 2006, 02:00 PM In: FICO score inquiry deduplic... By: Christine |
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Equifax (CSC) countless FCRA violations Specific violations Subforums: Equifax false advertisements, Correspondence with Equifax attorneys Lewis Perling and Rodrick Coffey |
23 | 72 | Apr 16 2006, 07:33 PM In: Summary and links to filing... By: Christine |
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Experian SNAKE OIL scores and countless FCRA violations Specific violations Subforums: Experian DIFFERENCE in consumer v. creditor reports, My communications with the Experian attorneys |
15 | 29 | Jul 5 2006, 03:45 PM In: 7/5/06 - regarding the prot... By: Christine |
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Trans Union maliciously refused to correct address and lowers FICO scores with INCOMPLETE reporting by 80+ scores 12/11/07: Need attorney to sue Trans Union to correct the address and to PERMANENTLY add the Date Closed to the discharged Capital One account. My client resides in Virginia |
1 | 0 | Dec 10 2007, 06:57 PM In: Protected Forum By: Christine |
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Trans Union Do NOT buy TrueCredit reports and TU credit scores! Trans Union is defrauding every consumer who buys their TrueCredit products and Trans Union scores. Additionally, Trans Union specializes in split and duplicate credit files, refusing to provide investigation procedures, producing horrible reports and providing awful customers service. Trans Union = CRIMINALS |
20 | 21 | Sep 24 2007, 06:54 PM In: Illegal PROMO inquiries for... By: Christine |
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CRA "special" treatment after filing suit When you sue Trans Union, they retaliate by moving your file to the "Priority" department where you usually get to talk to VMs. Often CRAs also block online credit (myFICO) reports. |
9 | 16 | Nov 4 2005, 04:25 PM In: 10/26/05: Experian fraud a... By: Christine |
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Verizon wireless billing FRAUD and EXTORTION Verizon sent my account to collection for an UNCASHED *refund* check they had sent to me in error - DESPITE my complaint with the FCC. TO DATE, Verizon has failed to acknowledge its error and to apologize and we're now entering the discovery stage in my federal lawsuit. Subforums: My correspondence with Verizon attorney Rodrick Coffey |
36 | 1 | Apr 27 2006, 01:12 PM In: 4/26/06 - my $300 paym... By: Christine |
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Credit litigation My research for my litigation against CRAs and creditors. This is NOT credit repair, NOT legal advice and I'm NOT a lawyer! I SHARE what I learn as well as my problems. Answers and contributions are greatly appreciated! |
3 | 0 | Jan 31 2006, 12:51 AM In: New forum for credit litiga... By: Christine |
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DirecTV and Focus Receivables Management Collection In 9/05, I purchased a certificate for 6 months DirecTV free service with no contract. The certificate was part of the settlement of a junk fax class action suit against DirecTV. As my numerous attempts to get DirecTV to provide the FREE service were futile, I finally ordered service at their site in December. Then I was able to get to a person, but their reps were of course clueless and could only promise a call from someone more competent. And of course nobody ever contacted me. After a few months I cancelled and I sent an e-mail regarding the situation, to be forwarded to their legal department. Colleen Spidell with the DirecTV legal department contacted me, gave me the usual bla bla bla and finally refunded my deposit. However, they did NOT refund the about $200 I paid for the "FREE" service. And then I got the collection calls from Focus Receivables Management, the DirecTV collector James Hurd who REFUSED to accept my dispute and attempted to EXTORT payment by threatening my credit rating. Both DirecTV and Focus refused my settlement offers, I plan on filing suit in federal court by the end of July. Subforums: Focus Receivables Management |
16 | 2 | Oct 30 2007, 09:04 PM In: 10/30/07 email to attorney ... By: Christine |
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Netzero refusal to cancel account On 7/4/2006, I called Netzero to cancel. I ended up at the "save" department and my cancellation was refused. Finally I demanded that the account be closed and I hung up. One year later, my credit card is still charged $14.95 every month. So I sent my written request for a full refund and to finally close the account. Jenniffer Sterold, NetZero Customer Care, responded that they have no record of my cancellation request and she REFUSED to close my account as per my WRITTEN request, demanding that I call. If you've followed the AOL cancellation class actions, you know the drill. Of course I know how the corporate scum always lies, I RECORDED the cancellation call. I am getting ready to sue now. Subforums: Legal research - AOL class action |
6 | 2 | Nov 30 2007, 10:37 AM In: 2003 FTC complaint, exhibit... By: Christine |
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Target, fka Retailers National Bank NOT reporting credit limits My problems with the Target: 1) First they reported entirely FALSE late payments for the Target store card. 2) They refused to report the credit limit for the store card. 3) They failed to provide the adverse action letter. |
7 | 1 | Nov 12 2005, 11:53 PM In: Summary of my Target (fka R... By: Christine |
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Capital One - REFUSING to report the Credit Limits 11/07: After 6 years of publication and litigation, Capital One finally reports the credit limits. Will it have to pay restitution to the many millions of account holders whose credit scores were lowered? Subforums: Capital One - the company and officers |
26 | 78 | Jul 26 2006, 03:29 PM In: Finance charge rate on spec... By: Christine |
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Identity Theft Class action against Equifax for selling fraudulent credit monitoring services (was RICO) - split, merged or sub-files |
13 | 44 | Aug 10 2005, 07:45 PM In: Identity Theft Survivors Ne... By: Christine |
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ConsumerInfo.com (Experian) and PrivacyGuard (Trilegiant) Incomplete and INCORRECT credit reports, false advertising, fraudulent charges, snake oil scores. Subforums: Communications with the CIC attorneys |
11 | 7 | Apr 17 2006, 12:45 AM In: 4/16/06 notice of CIC disco... By: Christine |
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Chase - Bank One - First USA illegal rate increases 11/04: Chase: Bank One - JP Morgan credit card rate increase to 28.74%!!! -- HIDDEN in "welcome" letter. READ the disclosures! 8/05: Chase account holder is pro se litigant in federal court because Chase increased the rate DESPITE his "opt out" request and Chase reported the account TWICE to Experian. Subforums: 11/04: Chase - Bank One - First USA rate increases, JP Morgan Chase illegal rate increase and duplicate Experian reporting |
14 | 13 | Nov 11 2005, 12:02 AM In: Chase bumping my rate 1/4 p... By: Christine |
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Citibank closes Katrina victim account 2/19/06 Citi: "... you have too many inquiries in the past 6 months and a serious delinquency, and a derogatory public record or collection filed." Citi based its decision on the Equifax report. Neither the 2/7/06 or 3/5/06 Equifax reports contained a collection or public record. The worst and most recent delinquencies were 60 day lates a year ago while he served in Iraq. Obviously, he had to apply for utilities and a rental after his house was destroyed by Katrina. Why did Citi close the credit card? |
2 | 0 | Mar 5 2006, 02:54 PM In: 3/5/06: my open letter to ... By: Christine |
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North American Acceptance - OpenCheck - Oxendale Chrysler Dodge Jeep On 4/5/05 North American Acceptance obtained my Experian credit info as a "promotional" inquiry. However, they did NOT make a firm offer of credit. The offer has NUMEROUS conditions and when I called to find out what I qualified for, I realized that the offer is a SHAM. Congress, the FCRA and the FTC's Brief Of Amicus Curiae make it EXTREMELY clear that there is NO permissible purpose for marketing. I have two claims against Ameriquest and if you have a lot of credit card debt and/or fair to bad credit or low scores, you are likely to get these FAKE offers. |
12 | 1 | Sep 4 2005, 05:07 PM In: 7/5/05 Tim's Buick Pont... By: Christine |
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American Agencies - one of the worst collectors! The owners Mark and Sheri Slagle operate under multiple corporate names, the BBB rating is horrendous and the FTC is investigating - they need to be shut down! |
23 | 88 | Feb 15 2010, 07:41 PM In: 2/2010: NEW American Agenci... By: Christine |
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Compass Bank SUCKS! This is the Alabama based Compass Bank (Compass Bancshares) - vile to the bone! |
57 | 278 | Aug 18 2008, 11:21 AM In: Sign up for the common good... By: Christine |
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Ameriquest Mortgage Unsurpassable incompetence, perjury and financing the mortgage SPAMMERS we all despise. They didn't apologize for their mistakes, but instead argued in their Motion to Dismiss that their incompetence and violations are legal. "Pre-approval" after decline = illegally target marketing in violation of the FCRA -- get your $1,000? California prepayment penalty class action settlements and one active credit reporting class action. |
37 | 38 | Oct 11 2005, 01:28 AM In: Ameriquest promised refi af... By: Christine |
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Your lawsuits - Wells Fargo - Americas Servicing Company (ASC) - others Please post your documentation about mortgage and servicing fraud. RESPA provides for STATUTORY damages of up to $1,000 for failures to provide accounting and for reporting incorrect credit data after disputes pursuant to RESPA. Go get your checks! Subforums: ASC - American Servicing Company, RESPA - the law |
41 | 130 | Nov 28 2006, 08:05 PM In: Wells Fargo business loan f... By: Christine |
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Federated Financial credit counseling - *four* FAKE non profits and the Steven Miller FOR profits Are the nonprofits receiving grants, diverted to Steven Miller's and the directors' FOR profit corporations? FIVE Federated Financial corporations in the same building, Rita Miller is a director on one of the nonprofits, who are the Weintraubs? CEO and VP Steven Miller publicly NAMES the clients who dare to complain. Not only is that illegal under privacy laws, but he deliberatly uses this tactic to intimidate clients. Review the screenshots with Steven Miller's lies and contortions. What exactly is he trying to cover up? Subforums: The Federated Financial web sites, BBB and public records, Employees, associates, friends ... |
45 | 18 | Jun 11 2005, 12:08 AM In: Arrest records - life can b... By: Christine |
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Household - predatory mortgage and credit card lending Many suits are filed against Household, including major class actions. "Fee happy!" |
10 | 31 | May 13 2006, 05:59 PM In: The Household promotional c... By: Christine |
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Fax and e-mail SPAM suits My research and regulatory complaints about spammers, junk faxers and mortgage lead sellers. Please also check the BLOG at http://junkfaxsuit.info/ Subforums: Mortgage Junk faxers and spammers, Penny stock touts, Cancunallinclusive.net - Travelcomm, Health One, Inc. - Nationwide Benefits Association, Deadbeat junk faxers - dissolved, Other junk fax sites, Four Seasons Hotels, DirecTV junk fax settlement FRAUD |
377 | 272 | Nov 24 2008, 07:01 PM In: Summary By: Christine |
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Kovarik P.C. - KTHL Defamation threats Not only did they hire me and then refused to pay me, but they were threatening with a defamation suit because I posted about their despicable business and legal practices. They file junk fax class actions with the intent to intimidate the defendant and then settle for the named plaintiff ONLY - the class gets nothing. Jaromir Kovarik represented me, did NOT provide me with an attorney client agreement, did not tell me that I'd have to fly to testify in PA (I'm in AZ) until AFTER filing, and then had the nerve to charge me $250/hr. |
6 | 3 | Aug 18 2005, 12:04 AM In: 4/25/05 -- Jaromir Kovarik ... By: Christine |
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The AZ State Bar falsely accuses me of practicing law. I suspect that the complaint was submitted by slimebag aka Joseph Garcia, Jr., the son of the Reynaldos Mexican Food owner. “The complaint received by the State Bar alleges that, via your numerous web sites, you represent yourself as an attorney, and give legal advice for a fee.” The laywer Gestapo .... |
5 | 4 | Aug 6 2005, 05:58 PM In: Summary - the lawyer Gestapo By: Christine |
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Nelnet Nelnet is a defendant in my 2003 federal suit because they verified the reporting of my student loan as included in bankruptcy while it was NOT discharged. |
2 | 0 | Jan 6 2006, 02:48 PM In: 1/5/06: Nelnet's 2nd r... By: Christine |
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Quitting the rat race - alternatives? How CAN you live without credit? Are there any civilized countries NOT ruled by international corporations? |
8 | 29 | May 24 2008, 12:35 PM In: Peru By: Shylock |
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Miscellaneous - Credit Repair - Test Postings This is *not* a credit repair forum, I'm just moving anything that doesn't fit in the other topics over here. Subforums: Bradley the moron - now you know why this forum will be closed |
60 | 204 | Dec 26 2005, 12:30 PM In: Wells Fargo turned my ATM c... By: Christine |
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