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Maryland Central Collection Unit
Accused of insurance lapse 10 years later...
23rd of Aug, 2011 by amt10380
I received a letter from the State of Maryland Central Collection Unit in May demanding almost 5K for a supposed lapse in insurance in 2001. I told them I'd moved out of Maryland back to Ohio & was insured there. The not so friendly girl told me I just need to call my DMV and get proof the car was registered in Ohio. Simple right? Not so much- the DMV only keeps records for 7 years per the statue of limitations. I've called every insurance company I can remember having and they all only keep records for 7 years. I work for the credit bureau and I... only keep records for 7-8 years. I've never had a lapse in insurance, I responded to CCU in writing advising of this and what the DMV told me etc. I hadn't heard anything back- no acknowledgement of receipt of my written notice disputing their claim, nothing... until today. I got a love letter from them advising that they are going to certify my name to the Income Tax Division and my state refunds will be intercepted. WTH?! Can Maryland take my Ohio refund? This HAS to be illegal- I've done nothing wrong, and have no way to prove it because they waiting 10 years to accuse me of this & NOONE keeps records that long! Why did they wait 10 years to accuse me of this? Seems to be their 'thing'- wait 10, 11, 12 years so there is no way for the people they're trying to screw to defend themselves. I'd have easily been able to provide any documentation they needed in 2001 and all the way up to 2009 probably. I'm so stressed out about this I don't know what to do. Do I need an Ohio lawyer because this is where I live? Do I need a Maryland lawyer because that's where this is happening? Will I have to go to Maryland to fight this? How would I pay for that? What do I do? I am a responsible mother to 2 kids and I try to do everything right- how can they do this? What can I do to protect myself and fight for whats right?! HELPPPP!
Comments
3772 days ago by Jtm311
I just had the exact same thing happen to me! I moved away from Maryland in 2001 and received a $5348 fine in the mail yesterday. When I moved I had my license and car registered in another state with absolutely no lapse. This is ridiculous. There has got to be something done about this. I need help too! Sorry you are going through this but I at least you are not alone.

Jeff Miller
3736 days ago by Anonymous
Call the MVA ICD unit and tell them of your situation. They may be able to see your Ohio Registration on their autocheck system. They can use this to assess your case, and possibly close it - IF it shows up.
(410)768-7431
3507 days ago by Mem043
I showed proof of insurance and had closed my case with them last year, and somehow my case was reopened, and they tried fining me over $1, 000. I got tired of it and wrote to Governor O'Malley about it. I told him that the state either has useless state employees that are not doing their job by properly closing cases at the MVA or there is a big scam going on. Personally, I'm willing to bet the latter. Last week, I got a letter of apology from the Secretary from Maryland Dept of Transportation, saying that it was all a mistake- lack of communication from the MVA and the Central Collection Unit. Good thing I didn't change insurance companies within the past year. I would have had a tougher time proving my case. Oh, I also complained to the governor that old cases as far back from the 1990's are being reopened. Hopefully something will be done about it. The state of Maryland will tax you to death and will milk you for whatever money you have, in order to make up for all their inner-city welfare cases that they have to pay for. I wish you all luck and I'm keeping every little bit of proof I have and I'm also keeping the same insurance company for the next 30 years. I do not trust the state of Maryland or their impolite, uneducated, unprofessional employees. I believe they are out to scam others for whatever they can get.

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