Pre-trial conference, Michigan
(South Haven, Michigan, USA)
I have no credit/debit/charge cards and pay my bills with money orders. I purchased eye glasses ($457.00) in 08.2006 with a charge card (my first and last) activated thru GEMB 6 month same as cash. I paid this account in full before the deadline 02.07 with money orders.
Beginning 10.2006 I disputed several issues with GEMB.
1. Relentless phone calls from GEMB "when I am making my next payment" even if I already made it before any deadline.
2. Billing statements don't reflect my payments and late charges on this account.
GEMB reply to all my disputes: investigation without any results. Erroneous attempt by sending me a settlement offer to pay $800.00 on this account and request to rescind a collection agency notice GEMB engaged to collect this account while account is in dispute ( yes, I disputed with collection agency also). All this happen while I paid this account in full on the terms of 6 month same as cash. GEMB ended all my disputes including my notice to GEMB that this account is paid in full and therefore closed with one letter stating account is closed in 10.07
Beginning 12.07 I received collection attempt on this account from CA # 2 requested validation 2 times and never hurt from them again. 02.08 collection agency #3 same thing requested validation twice and got reply to my request with another letter (04.08) now giving me a deadline or they will give my account to be collected by an attorney in my state. I replied by asking again for validation and also let them know I am still in dispute with OC, and I have no business agreement with them. No response until 07.09 with a letter from another CA indicating they are collecting a debt for CA #3. I disputed and requested validation and of course no response. Until 03.10 when I was served a summons and complaint which I answered and filed by an collection attorney collection a debt for CA #3 assignee of OC. Now it went to mediation 10.10 and the attorney send a local attorney to stand in by reading from his phone what sounded like a dunning letter with a settlement offer which I declined. Ready and prepared to make my case I was interrupted by this attorney leaving telling mediator to move this to pre-trial. First pre-trial date got moved thru plaintiff’s request and they are not showing only by phone. I of course will be there. Why are they not showing in person, I need to see what they got so I can examine what they really have? I am pro se can’t afford legal counsel, live from SSI have no car, property, employment. I prepared a motion on plaintiff’s affidavit which is hearsay and can’t find a proper motion to dismiss this case with Michigan rules or I don’t know???? Please help