no bank account poor credit loans

If you are going to file - you might as well do it now. If you just want the TL gone, I'd re-dispute.

Well, if you disputed as never late, but the oc verified that the account indeed had late payments...then there is your proof that they supplied false information, hence violating tx finance code chepter 391...of course, it is only a misdemeanor of a fine of 200 bux.

There was a post about an e-mail scam recently re: Citibank. Well now, whomever is behind all these scams is doing the same thing with Earthlink/Mindspring and PayPal.

The first time I was served was about 2 months ago for a credit card that I stopped paying about 4 years ago. I wasn't home that day and they gave it to my sister. I got scared and negotiated with the law firm/collection agency. I ended up paying about 90% of the the asked for. Which is very stupid on my part. All of my friends told me not to pay anything and ignored the summon, but I didn't. Now I am 4.2K poorer than before.

I understood if something was in violation of the TOS it would be stated instead of just shutting everyone up that was participating by closing without reason or notice.