got DV back from Portfolio

okay guys...thought I'd share with you what I got back from Portfolio....

Dec 19, 08

Dear Sphere

RE: Verification info concerning PRA acct/Ref ###### Seller/creditor: HSBC

The following info is being provided in response to your recent communication concerning the account ref. above

Acct Number #### and its proceeds were sold, assigned and transferred by the seller to portfolio recovery assoc. LLC on 6/24/2008. At the time of the sale, the seller provided an elect file of its business records concerning this account. According to the sellers records, there was due and payable from Sphere to the seller in the sum of $$$ with respect to the account, as of 6/24/2008, there being no known un-credited payments, just counterclaims, or offsetsaginst this account at the date of its sale.

addtl info:

acct holders name: Sphere
acct last 4 digits of SS#: ####
Date acct opened by seller: 9/26/2006
Current balance: $$$$

then it gives all the contact info, address to send payment..etc.

it says down here that: This letter is from a debt collector and is an attempt to collect a debt. Any info obtained will be used for that purpose.

on the back is a Notice: as required by law, you are hereby notified that a negative credit report reflecting on your credit report may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation.


and then some laws for Cali, Colorado, Maine, Mass, New york and North Carolina.


So, everything I asked for...they didn't send. I requested a complete account history, including all purchases, payments, fees and interest. I asked for the original contract between myself and the alleged CC company....

To me...this doesn't seem like they gave me the info that I asked for...or did they?

What do ya'll think???

Thank you...Sphere

Send another debt validation letter along with the first one you sent. There is a template on this site for the second letter. It should shake them up a bit,lol.

That is not validation what they provided.

None of that is required under the FDCPA. You can ask but likely won't receive outside of a courtroom. Was anything they sent you on the OC's letterhead? If not, I would follow up with another DV stating the you do not accept that as validation.

nope...it was all from Portfolio...I've never gotten anything from the OC...LOL...weird.

So I need to send another letter..certified of course....along with a copy of the first one I sent??

Also they are the same ones who after I sent them a cease communication via phone calls...continued to blow up my cell phone (I don't have a home phone) they called several times a day....it was really crazy. They also have already placed thier account on my CR, without sending me anything. I wrote them because I saw them on my CR. ugh...this is such a frustrating mess....

Thank you!!

Hay Nascar....should I send a dispute to my CR agencies as well, being they haven't validated and placed it on there...or let that go for a bit?? That explains why I didn't get a nice Gov't job 2 months ago though....that sucks but it's life I suppose!

I would dispute and if it is verified before validation is provided, then re-dispute as "Data Furnisher has not validated" and enclose copies of your DV's and green cards.

Nascar...you are the BEST!! Thank you for helpnig sooooo very much...I'd hug ya..but I can't...so I'll hug my screen!! Thnak you!!

Okay, mailed off my reply to Portfolio today...put in there that they have not provided any validation, and they continue to call my cell phone after I had asked them not too. I sent a copy of my original DV letter to them and highlighted that section, just in case they have problems reading it...LOL....

I guess I get to wait and see now...just wanted to keep you updated on it...

Thanks

yes do keep us posted sphere.

Hey Paul...yep..I've been in the middle of all sorts of paperwork lately...I found a very interesting site that I wanted ya'll to see as well..

californiadiscovery.findlaw.com/document_production.htm

Depending on what they send you, or if they do not respond at all..the next letter you should send, use the letter they sent to you as ammo. In the letter they sent to you, it stated:

So in the next letter, point that out and ask for a copy of the documentation of the sale and for copies of the business records pertaining to this account....after all, if they actually have them, you are entitled to them. Now it was said above that technically they do not have to provide all that info, which is true. But you just point out in the letter that you can force the production of these documents either if they sue you, or you sue them for violations.

Now, if they verify with the CRA's, you have them for that violation, plus you have them for the repeated calls....you could sue them. Let them know this.

Ask them to provide strict proof of some contractual obligation you have to them (the debt purchaser).

Golden...yes, I sent a copy of the 1st letter I sent them, a copy of what they sent me and a new letter telling them that I am demanding strict proof. I also put in there that I specifically asked for them not to call, and since they got my 1st letter, they've been calling non-stop. I also told them that they placed there info two different times on my CR and re-aged it to look like 6-2008. I will be sending all my CR a letter soon as well.

I didn't sign anything with them, agreed to anything therefore...I don't owe them.

I was disputing with the OC as well..I never knew about a card with them...and according to them, there were no payments ever made on it....so...my guess is that goofy woman that uses my info took out a card...and so now I'm stuck with it...ugh...I've learned alot from you guys here and I'll get this one handled quickly.

Thank you

If that is the case, then you need to claim ID theft on this account.

That's why I think I've got 3 CC in my name that I never knew about...and a bank account...it all showed up on my CR this year...and a payday loan which I would never do...I wouldn't have needed to anyway.

I've never had probs like that before...well, yea I did. about 3 yrs ago. JCPenney wanted almost 10 grand from me for the same chick buying a housefull of furniture and used my ID's to do it. They gave her the stuff, and a card...and she didn't pay for it..LOL..of course....so when they came after me...I was like..noo way do I owe that.

I sent in my SS card and current driver's license...and they took it off my CR within 1 WEEK!!!! everything...it was simple to fix. I filed a police report...never heard a word about it....

but now...this is different. Much more of a hassle. It seems after I let my house go back...forclosure ya know. The house was very old, I couldn't replace the roof, floors and all sheetrock (black Mold) on a regular person's pay..so I let it go back. believe me, it was worth it in the long run. I had a very sick kid from that house, since we moved, no sicknes nor allergies like it was. She was taking 4 shots per week...now, NONE!!!

oops...that was me, I guess it kicked me out before I posted that...LOL...

see, that's my luck!