Based on that, there really is no violation, unless you live in Texas where all DV's are timely. They did not have to respond to your DV in any way, nor cease collection activity, and unfortunately, their response was to send this thru arbitration. I would start doing some research on refusal of arbitration. Depending on when this account went delinquent, there might not have been a BMA clause in effect at the time. When was the account opened and when did it go delinquent? Who is the OC?

Also, PM me and I can get you a link to some good refusal of arbitration cases

Enter Your Samebox Message:

the account was opened in 2005 and went delinquent after a couple months??? the original creditor was ATT. Thanks again

Enter Your Samebox Message:

Cell phone contract? Do you still have the paperwork? Is there anything in it about BMA? It's a stretch since by 2005 BMA were in wide wide use.

Enter Your Samebox Message:

no I dont have the contract anymore? what should i do with the arbitration letter? respond?

Enter Your Samebox Message:

anyone?

Enter Your Samebox Message:

Send them a letter asking them to show you where in your agreement you are REQUIRED to submit to arbitration.

Enter Your Samebox Message:

If you don't respond, then the NAF will rule against you and then the JDB can file for a judgement. You need to start fighting it now before it gets that far. PM me and I can get you a link to some good refusal of arbitration cases

Enter Your Samebox Message: