• 2010 Credit Suit
• Liars & Cheats
• CreditFactors
• Fight Back!!!
• RESISTANCE
• TRADO
• News Releases
• Contact

The TRANSCRIPT of my phone call to Allison, LHR, Mediation Department

I’m still working on the FTC / AG complaint.

Allison in the LHR “Mediation Department” had left a VM for me after we hadn’t heard from LHR for months and I had no idea why she was calling.  It is important to note that LHR’s Robert Hanny later acted as if I was an idiot for adding up statement balances while in fact Allison kept talking about the statements.

The statements were for around $2,500 and LHR claimed to have validated a $6,500 original balance and it is now demanding about $7,900.  Nobody in their right mind would expect the $4,000 difference to be INTEREST as Mr. Hanny finally disclosed.  I’ve seen my share of charge-offs, but Bank of America ought to be the dictionary definition of a greedy vile bank that ought to be shut down.

B of A CREATED the money out of NOTHING and didn’t pay one penny of interest.

PLEASE watch the free online documentary The Money Masters if you don’t understand how the banks exploit ALL of us.

Here’s the transcript of my call to Allison:

10/12/09 telephone call Christine Baker / Allison, Mediation Department, LHR:

[Omitted greetings and looking up file information]

Transcribed call duration: 05:42
Allison: Ok, it looks like we had actually sent out some type of documentation on the account back in June. I wasn’t sure, because we actually received a letter dispute requesting the docs. I’m trying to see exactly what we had sent out.

Christine: You’re trying to do what?

Allison: We had received a dispute on the account—

Christine: MmmHmm.

Allison: And we were requested to have the documentations done, so I’m just actually touching base and seeing what we had sent out to see what was happening on the account—

Christine: You’re asking me what you sent out?

Allison: No, no, no. I—we, we did send out documentation on June 23rd.

Christine: Yeah. Do you know what you sent out?

Allison: Yep. It was actually, from what I can see on here, it was—it looks like they had—let me just go through here the scanned images and see exactly what it was. I’m showing that we’ve actually sent out—the only thing we were able to receive on it at that point were the bank statements.

Christine: MmmHmm.

Allison: And that’s the what we had sent out.

Christine: Do you know the total amount of the statement?

Allison: Let me see here. (Long pause) I’m just goin’ through ‘em real quick. (Long pause) Ok, because there’s actually two statements that were attached to it. Let me see --(Long pause) Ok. I’m showing that with the two statements they’re showing the balance being the $6,499.81.

Christine: That, that’s really not—are, are you adding up the—

Allison: Between the two of them. Without—that’s probably with their interest too.

(Long pause)

Christine: See, I’m not clear on what it is you are collecting. Are you saying those statements are for two different accounts?

Allison: No, it’s for the same account. It would be for the Bank of America account—

Christine: Are you adding—why are you adding them up, then?

Allison: We’re basically just putting the two statements together. That’s what the total balance is, the six thousand—

Christine: So every month the creditor sends out a statement you add the total balance?

Allison: No. I’m just basically adding what we have here for the original balance off those statements.

(Long pause)

Christine: I don’t understand how you come up with that total.

Allison: Ok, that’s what the total balance was on the account.

(Long pause)

Christine: This is completely strange because it’s—I, I looked at the, at the statements—

Allison: MmmHmm.

Christine: And there were no charges on there whatsoever.

Allison: Right, they’re just the monthly statements. What they basically show—we couldn’t receive the actual, uh, you know, what the charges were, because there’s obviously going back to, it looks like, 2004. What we received was just the two, two statements that she would’ve received in the mail—if that makes any sense, with the monthly statement—

Christine: MmmHmm.

Allison: That’s what we have and that’s what we have sent you. Is that what you received, then, I’m assuming?

Christine: Yeah, but what I don’t understand—

Allison: MmmHmm.

Christine: Is why, uh, you, uh—first of all, where the difference comes from. Secondly, she disputed that, uh, with, with Bank of America to begin with—

Allison: MmmHmm.

Christine: And, um—I don’t know, is anybody actually reading the correspond—Who is Mr. Schifferli?

Allison: He’s actually the—he’s in charge of the legal department. He actually runs the legal department.

Christine: He runs the legal department?

Allison: Yes.

Christine: Now I was getting ready to send in my published complaint to the FTC—

Allison: MmmHmm.

Christine: Uh, this last weekend, but, uh, I ended up, uh, being too busy and I’m gonna do it this week—

Allison: MmmHmm.

Christine: So you basically contend that the statements that you sent, you’re adding up—

Allison: No. What I’m, what I’m stating is that we had two statements that we had sent out. The total balance that [debtor] owed, that we can see on here, the original balance would be $6,499.81.

Christine: It’s really funny because what you sent to me says $2, 551.33. And the next one says $2,661.37.

Allison: Hmm. Let me see—yeah, no I’m showing the $6,400. Yeah.

Christine: That’s what you’re showing? Can you maybe fax me what you, what you’re showing?

Allison: We sure can. What is your fax number?

Christine: (571)—

Allison: Ok.

Christine: 222—

Allison: Ok.

Christine: 1000.

Allison: Ok. Your name was Christina?

Christine: Christine.

Allison: Christine. Ok, I’ll go ahead and get that out to you. Let me just see on here if there’s anything else that I can see. (Long pause) Yeah, I mean, I guess that’s pretty much it. I’ll just see if there’s any other type of documentation that they’re gonna receive on this, but I’m not showing that there is. I think that everything we have is—that was it, what we sent out is the only thing that we could receive on it.

Christine: Well, well go ahead and fax me what you have—

Allison: Ok.

Christine: And, uh, do you want me to send you a copy of my proposed FTC complaint or should I just send it off?

Allison: You can just send it off. That’s fine.

Christine: That’s fine?

Allison: Yeah.

Christine: Ok.

Allison: Ok?

Christine: Alright.

Christine: Thank you.

Allison: Thank you.

Christine: Bye bye.