Howard
Ingleside,#2Consumer Suggestion
Tue, January 14, 2003
First off you have yourself to blame. So the next time save yourself a lot of problem. Do not return a contract back to anyone without first writting across it VOID, OR REFUSED on it (keeping a copy for your records). Never ever send back a blank contract. That was your first mistake. Second mistake, was not writting to them when you first received their payment demand notice. On something like this you always always write back to them explaining your side of the situation, and how you see it. Write to each credit reporting companies explaining that the item reported by this company is in error and why. If you kept a copy of the contract in your files and it is unsigned then your in luck. No signature means no "meeting of the minds", therefore no contract. Your are right to sue, good luck.