Dont go on the boardwalk at night Unless you like getting bombarded by coke dealers...
While I do not object to the questino do mortgage brokers really hike fees? The rest of the subject line is quite obvious a personal attack on me and is thus libelous, defamatory, abisive and harmful.
Even if you have the violations it isn't a given. Trying to argue an FCRA or FDCPA case in front of a small claims judge isn't ever going to be a given.
Did you get your report from online?
If they pulled your credit again after receiving that letter, that would definitely be evidence of willful misconduct. Regardless of your ability to prove their intent, I think the judge erred in not finding them at least negligent. As Sassy pointed out, they either had a PP or they didn't. In your case, they clearly didn't, so the judge should have tossed you some compensatory damages.
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