You need a consumer lawyer in WA which you can find at www.naca.net. They will be able to advise you of the applicable statute of limiations which may or may not have renewed with your payments in 2008.
Whether or not you are the victim of fraud requires a very fact intensive review of your sales paperwork and a thorough understanding of your discussions in connection with your purchase. There is an implicit representation with all vehicle sold by dealers in Oklahoma that the vehicle you are purchasing has a clean title. Our law firm has numerous jury verdicts in Oklahoma against car dealers for fraud. Please give me a call at your convenience. You will find more information about our law...
The theory of recovery would probably rest with "money had and received" which would expire on or before the 6 yr anniversary. The only claim that might survive 6 years would be fraud if it were proven the invoice for the services was fraudlently submitted a second time after the services had been paid.
If you can prove they refused to credit your payment you may have a case Provided the payment you are relying upon was not accounted for in the settlement you reached. You need to carefully review your settlement agreement paperwork and compare it with the proof documents you are relying upon to say the Mort. Company is not living up to their end of the deal. If they messed it up again you may have a good case.
You may have claims for negligence, fraud and violations of the Oklahoma Consumer Protection Act. Your "detailed records" should include evidence from a 3rd party body repair person or estimator who can provide expert testimony on the items you say they were paid to fix but did not. I would encourage you to hire a lawyer for this matter. Kathy Rawls in Moore or Louis Green in Oklahoma City are both consumer lawyers and members of www.NACA.net.
First, If you have not already notified your credit cards of the wallet/credit card theft do so immediatly. Next, file a police report. If you see any of these fraudlent charges on your bill you must send a written dispute regarding the charges to the credit card companies to perserve your rights under the Fair Credit Billing Act. This written dispute must be completed within 60 days of the charge first appearing on your monthly statement or within 2 monthly billing cycles. The Merchant'...
You need to visit with a consumer lawyer in PA because PA state law will determine the outcome of your situation. You can find a consumer lawyer at www.naca.net. If the bank did repo, they have duties and obligations to comply with the law regarding notice, disposition and deficency. If the bank failed to comply with the law, your boyfriend may be entitled to damages.
If someone signed your name without your permission it is called forgery. You need a consumer lawyer which you can find at www.naca.net. You have a good FDCPA lawyer near Lawrence. His name is Dale Irwin and you can find him at www.scimlaw.com. Good luck!
Google the phone number which may or may not lead you to some info about their identity. If they persist with calls or they sue you for a debt that is not yours you need a lawyer ready to fight for you and hold them accountable for their violations under the FDCPA. Feel free to contact our firm and we can refer you to a consumer lawyer in CA or you can find one at www.naca.net and teach the abusive out of control debt collector a lesson. Good luck.