Sued by CITI - Right On Schedule

[merime]

yes, I too was served by Citibank. Had not paid since Sept. I work part time at $9.00hr , have no assets except a house which is joint, so I wonder if they will actually set a court date?? It seems to me that they would think I am a waste of time!!

[Floridagail]

I was sued by Cap One, I told them i was judgement proof and they still sued me. I let them get judgement. Then they demanded a copy of my finances records pension, etc.
I filed just to stop that. I had 6 cards , they were only one sued me after 18 mos.

[JEM]

Yep. Those two. I had about 10 accounts that went to both of those firms. When I started getting their letters my internal time clock went off, and said times up, better get to filing. I think I probably beat them to filing a law suit by a couple of weeks.

Interesting. Citi is the one that we suspect is trying to serve us...we got the "fake" summons almost 2 wks ago and what I suspect was someone trying to serve us last night based on a note on the door.

We stopped paying them in Dec.

Does a "serious" lawsuit always come from one of those firms, regardless of where you live, or is it different based on the state you live in?

[flyinbroke]

I elected to arbitrate, they signed for it, and I just got an intent to sue from them! I am not even in chargeoff territory yet. I am building their ticket to arbitration now...thanks for the violation, dude.

[albacore44]

Interesting. Citi is the one that we suspect is trying to serve us...we got the "fake" summons almost 2 wks ago and what I suspect was someone trying to serve us last night based on a note on the door.

We stopped paying them in Dec.

Does a "serious" lawsuit always come from one of those firms, regardless of where you live, or is it different based on the state you live in?

not sure what state your in, but here in Ca. they use Hunt and Henriques and a couple of others. They use different firms in different states. After you get charged off, thats when the fun starts

[JEM]

not sure what state your in, but here in Ca. they use Hunt and Henriques and a couple of others. They use different firms in different states. After you get charged off, thats when the fun starts

The "fake" summons was from Michael Scott I think. He's IN TX, just not our city. Eh....either way, I guess we'll be filing soon. LOL

[flyinbroke]

Ah, Mikey Boy is the one who violated the FDCPA by sending an intent to sue after I elected arbitration. I noticed that he has never sued in our district court, though he sues the daylights out of small claims folks.

He is in for a rude awakening from me. JAMS costs a fortune just to get started.

[JEM]

Ah, Mikey Boy is the one who violated the FDCPA by sending an intent to sue after I elected arbitration. I noticed that he has never sued in our district court, though he sues the daylights out of small claims folks.

He is in for a rude awakening from me. JAMS costs a fortune just to get started.

So you've had experience with this attorney huh?

So it probably IS a legit "pre-summons"?

Same guy came to the door (for a 2nd time) and left his yellow post it note saying there was a "delivery" for dh, and to call "Paul" at such and such number.

[flyinbroke]

Yep this one is pretty sue-happy but according to the Bud Hibbs site if you hire a NACA attorney he runs for the hills. I am beating him at his own game filing for JAMS arbitration. Just wish there was liability for Citi for hiring him.

[JEM]

Yep this one is pretty sue-happy but according to the Bud Hibbs site if you hire a NACA attorney he runs for the hills. I am beating him at his own game filing for JAMS arbitration. Just wish there was liability for Citi for hiring him.

Is he trying to sue you over a Citi debt too?

[flyinbroke]

Yup. After I elected arbitration (twice) too....violation. Said "we have decided to file a lawsuite" (misspelling and all) and then went on to say that if I pay in 10 days, they won't...which is also another violation.

Now I have to find a way to incorporate Citi into it...they did not violate but there has to be some case law for vicarious liability.

[flyinbroke]

In an update, I chose to initiate arbitration against Mikey and Co. He signed for it as did the arbitration firm. Then he filed a suit in civil court several days after he received it, which is a breach of Citi's contract, on top of being a state and FDCPA violation.

In his haste to get greedy, he may have blown his client's case for them by breaching the contract. I am going for a zero payback and TL deletion now.

[feelingnutsy]

Hey---flyinbroke---what's a TL deletion?

[keepinitreal]

what's a TL deletion?

The TL or tradeline, is your payment history on your credit reports.

If it's deleted, the account is removed entirely from your credit reports.

[flyinbroke]

So looks like I will be launching a MTD against them for lack of subject matter jurisdiction (since I initiated/elected private arbitration) and initiating arbitration against them as well. I do have a lawyer working on other suits and may have to see about the firm taking on the arbitration.

If Chiti wanted to dance, they should have hired a smarter lawyer instead of a greedy lawsuit mill runner....this guy has filed about 200 suits for them in the last two months.