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Collections for contract I sold years ago.

Railman83

TUG Member
Joined
Sep 13, 2015
Messages
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Location
Fairfax va
Experian notified me that Meridian Financial is after me for $3000 ($4500 with fees) for a Bay Club of San Destin contract I gave away years ago.

I transferred this to someone thru LT transfers years ago and I disappeared from my Wyndham account and in all that time Wyndham never billed me for this contract, nor showed any points for use.

Anyone else dealt with this?
 
Experian notified me that Meridian Financial is after me for $3000 ($4500 with fees) for a Bay Club of San Destin contract I gave away years ago.

I transferred this to someone thru LT transfers years ago and I disappeared from my Wyndham account and in all that time Wyndham never billed me for this contract, nor showed any points for use.

Anyone else dealt with this?
Sounds like a scam.
 
Meridian Collections seems like a large well known collections company. They got the wrong person, either the condo board was slow to update new owner or something, but that said at no time has anyone sent me a bill after it disappeared from my Wyndham account.
 
I think you can demand they prove you owe the debt, and also likely show them in whatever county records you're not the owner.
 
If your name was recorded in the county to another person, you are not liable.
 
Demand the original Contract Documents. Contact LT Transfers to see if they can provide you copies of the transfer Documentation.
 
Last edited:
What Brian said. Obtain copies of all 3 reports: Experian, Equifax & Trans Union to see if the collection is listed there. Follow the procedure with Experian to dispute the collection.

At this point, have you confirmed that it shows on your Experian report? It's up to the reporting agency, Experian, to verify that it is your debt. If not, they must remove it. If it's on the other reports, you need to follow the same procedure with them.
 
All you have to do is show the deed recorded in the new owners name. You can get this information from the Clerk of the Circuit Court in Okaloosa County Florida. You should be able to see it online if LT Transfers did not send you any documentation.

Then tell them to pound sand and threaten legal action if they don't remedy this immediately
 
Be sure to block or hang up on phone calls if they have your number and throw away anything you find in the mail. Any answer or explaining you do will only be used against you to extend the time they have to continue.
 
The burden of proof is on them, not you. Dispute with Experian and, as @Snazzylass suggested, also obtain your Trans Union and Equifax reports. It is likely that this debt is being reported to all three bureaus.
 
Update:

I called LT transfers who located the deed transfer in March 2024. Kudos to them for that since I didn’t even use them for this transfer (direct Deedback to Wyndham). I’ve uploaded to my Experian dispute.

Called the Bay Club and their GM hasn’t gotten back to me. Called meridian financial and the debt collector assigned and left voicemail. They have not called back.
 
Experian notified me that Meridian Financial is after me for $3000 ($4500 with fees) for a Bay Club of San Destin contract I gave away years ago.

I transferred this to someone thru LT transfers years ago and I disappeared from my Wyndham account and in all that time Wyndham never billed me for this contract, nor showed any points for use.

Anyone else dealt with this?
What specifically do you mean by "Experian notified me"? This is important. Experian doesn't notify anyone about debt collections, unless you have a specific plan with them to do so. Especially as it is not on your Experian report.
 
Experian notified me that Meridian Financial is after me for $3000 ($4500 with fees) for a Bay Club of San Destin contract I gave away years ago.

I transferred this to someone thru LT transfers years ago and I disappeared from my Wyndham account and in all that time Wyndham never billed me for this contract, nor showed any points for use.

Anyone else dealt with this?
Send a letter via certified mail, return receipt requested that:
1. You dispute the validity fo the debt;;
2. You demand validation of the debt;
3. That they cease any and all attempts to contact you in any manner other than via mail.

Keep that letter handy, your debt will likely be passed from collections agency to collections agency for a while before they give up. Keep sending that letter, so long as you do, you’LL be fine.
 
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Update:

I called LT transfers who located the deed transfer in March 2024. Kudos to them for that since I didn’t even use them for this transfer (direct Deedback to Wyndham). I’ve uploaded to my Experian dispute.

Called the Bay Club and their GM hasn’t gotten back to me. Called meridian financial and the debt collector assigned and left voicemail. They have not called back.
Talking to the debt collector on the phone is pointless. Send a letter. You can send a copy of the deed transfer with it if you wish. The debt collector doesn’t care if the debt is valid or not. Once you dispute it, it is no longer low hanging fruit, and they will give up and sell it to someone else who willl try to collect again.
 
This was for a fixed week converted to points. Deed transfer language below. Need a lawyers advice if the underlying resort can ignore this transfer and keep me on the hook:

CONTRACT NO: 000030101844
PARCEL NUMBER: 27-2S-21-42400-000-0000
SALES PRICE: $13,525.00
THIS INSTRUMENT PREPARED BY AND RETURN TO:
Rainona Harrington
TITLE SERVICES
6277 Sea Harbor Drive
Orlando, FL 32821
WARRANTY DEED
THIS DEED, made this 1/12/24 by and between KEM L PARTON AND ELIZABETH L PARTON,
AS JOINT TENANTS WITH RIGHT OF SURVIVORSHIP, whose address is, 1160 SCENIC GULF DR. #C,
DESTIN, FI. 32550, as Grantor(s), party of the first part; and Wyndham Vacation Resorts, Inc., a Delaware
corporation, whose post office address is 6277 Sea Harbor Drive, Orlando, FL. 32821, as Grantee, party of the
second part. WITNESSETH:
That the Grantors). in consideration of TEN DOLLARS ($10.00) and other good and valuablc
consideration to it paid by the Grantee, the receipt of which is hereby acknowledged, has bargained and sold, and
by these presents does grant, bargain, sell and convey unto die aforesaid Grantee, their heirs, devisees, successors
and assigns, the following described Timeshare Estate from 12:00 noon on the first day until 12:00 noon on the
last day assigned to said Grantee pursuant to the hercinafter described Declaration of Condominium, during the
below described Unit Week, as such Unit weeks are numbered and defined in the Declaration of Condominium
recorded in the Public Records of Walton County, Florida and the Book and Page number hercinafter described
below. The Unit Weeks described herein are to be succeeded forthwith by a succession of other Unit Weeks and
Estates in consecutive and chronological order, revolving among the other Unil Weeks described in the aforesaid
Declaration of Condominium in order annually, it being the intent of this instrument that each Timeshare Estate
shall be considered a separate Estatc, held separatcly and independently by the respective Owners thereof for and
during the period of time assigned to each in said Declaration of Condominiun, cach said estate being succeeded
by the next in unending succession governed by said Declaration of Condominium until 12:00 noon on the first
datc. Said Estate shall terminate upon an affirmative vote of the Owners as set forth in said Declaration of
Condoninium.
TOGETHER with the remainder over in fee simple absolutc, as tenant in common with other owners of
a!! Timeshare Estates in the hereafter described condominiun parcel in that percentage interest determined and
established by the aforesaid Declaration of Condominium for the following described real estate located in the
Walton County and State of Florida, as follows:
Unit Week 46, Unit 0200, Building 001A, of BAY CLUB OF SANDESTIN, A
CONDOMINIUM, together with all appurtenances thereto, according and subject to the Declaration of
Condominium of Bay Club of Sandestin, A Condominium, as recorded in Official Records Book 25l, 671, et seq., public records of Walton County, Florida, together with any and all amendments and
supplements thereto. This is a Fixed-Time Unit Week.
Page
To have and to hold all and singular, the premises described in this Deed, logether with appurtenances, to
the Grantee and to the Grantee's proper use and benefit forever. Authority is hereby given froin cach Grantor lo
Grantee or a designee of Grantec to execute any and all instruments necessary to effect the recordation of this
Deed, including, by way of illustration, declaration of property value, affidavit of consideration, seller's tax
declaration and correction of clerical errors.
This convevance is subiect to and by accepting this Deed the Grantec does hereby agree to assume the following;
Inst. # 20240008423 OR BK: 3318 PG: 199
Contract: 000030101844 DB
1.
2
3.
4.
5.
6.
7.
8.
Real Estate Taxes for the current year and all subsequent years.
Declaration of Condominium and all Amendments thereto.
Zoning and other land use restrictions imposed by public authoritics.
Rights or claims of parties in possession not shown by the Public Records.
Easeinents or claims of casements not shown by the Public Records.
Encroachments, overlaps, boundary line disputes, and other matters, which would be disclosed by
an accurate survey or inspection of the premises.
Any adverse claim to any portion of the above described property, which has been created by artificial
means or has accretion, and riparian rights, if any.
Restrictions, conditions, encumbrances, liens, prohibitions, and other requirements of record.
le benefits and obligations hercunder shall inure to and be binding upon the heirs, executo
ministrators, successors, and assigns of the respective parties hereto. The Grantors) do(es) hereby fully warra
with Grantee that Grantor(s) is lawfully seized in the property; thal Grantor(s) has good, right and lawful authorit
o sell and convey said property; that Grantors) warrants title to the property for any acts of Grantor(s) and wil
 
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