Response to Barnes Givenski after not receiving debt validation

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Sub: Response to Barnes Givenski after not receiving debt validation

Fri, 07/29/2011 - 10:52

Hello there I recently received a call from Barnes Givenski, a law firm in Georgia claiming to represent a collection agency that had been harassing me for over a year about a loan from Web Payday from 2007. To my knowledge i paid this off but i can only find the emails that I had sent to Web Payday way back then. I no longer have the bank account i would have used to make a payment. Anyway-I asked that the "arbitrator" send me written documentation about what I owe. I received an email that said they would be willing to extend payments to avoid arbitration and did not even include the amount of $407 that was mentioned on the phone. Don't I have a right to receive a letter in the mail about this debt if it is legitimate? I'm not sure how to respond to them via email. The harassing phone calls have not started yet, but I am considering blocking their number from my phone. I'm sure they will call me from another one eventually though. Can I send a demand letter of sorts via email?

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good.nelly
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Sub: #1 You should make a written request to them to provide you with a Mon, 07/25/2011 - 21:18

You should make a written request to them to provide you with a

You should make a written request to them to provide you with a documentation about what you owe. This law firm is not accredited with BBB. Search on the Internet to get more information on this law firm.

http://www.facebook.com/?ref=home#!/profile.php?id=100002227460566

scarlett.brooks13

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Sub: #2 Hello Nikki, Yes, you have full right to receive a official leTue, 07/26/2011 - 04:50

Hello Nikki, Yes, you have full right to receive a official le

Hello Nikki,

Yes, you have full right to receive a official letter if the debt is legitimate. I would suggest, you send them a debt validation letter asking them to validate your debts. If you find that you don't owe any debt to them you can send a cease and desists letter for them to stop their harassing calls.

Hope these suggestions will help you . :)

SOAPLADY
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Sub: #3 FYI...companies have to pay or buy BBB accredidation. It just mTue, 07/26/2011 - 05:00

FYI...companies have to pay or buy BBB accredidation. It just m

FYI...companies have to pay or buy BBB accredidation. It just means they are a member of the BBB. Not being accredited means absolutely nothing....

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html

nikkigrosso25

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Sub: #4 (Re:)Response to Barnes Givenski after not receiving debt validaTue, 07/26/2011 - 05:21

(Re:)Response to Barnes Givenski after not receiving debt valida

Yes, i have seen the complaints about them online and I understand that the BBB is a paid membership. Fortunately, I haven't experienced anything harassing from them yet but i'm sure it's headed that way.

Is it ok to respond with a debt validation request via email even though I am asking them to respond with a written letter? Also, it has been awhile since I have been on this site but I thought somewhere there are some sample letters or at least verbiage to use?

SOAPLADY
LYNNINMN@AOL.COM

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Sub: #5 Dear xxxx I dispute the validity of this debt. I paid it in xxTue, 07/26/2011 - 05:30

Dear xxxx I dispute the validity of this debt. I paid it in xx

Dear xxxx

I dispute the validity of this debt. I paid it in xx/xx/xxxx. Prove that I still owe it by sending me a copy of the original agreement and a full payment history from the lender. Failure to validate this debt will force me to pursue you legal avenues for violation of the FDCPA.

To the poster....the bank you paid this from would still have the records and you can still get copies of the paid item.

paulmergel
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Sub: #6 let me interjectTue, 07/26/2011 - 06:08

let me interject

first off this is not a legit collector as a google search of the name revealed a bunch of complaints similar to yours.second the doofus who claimed he was an arbitrator broke the law in stating that.so you send the reply SOAPLADY gave above,but don't include anything else as it is up to this piece of garbage to prove you owe,not you to prove you don't.i would get the old bank statements to give to your AG as part of a complaint against both web payday,and this bottomfeeder,but that is the only reason i would do that.again this is not a legit collector,and web payday is not a legal lender anyway.send the verbage by email and be prepared to file complaints against this bottomfeeder.

giving hope to the hopeless,help to the helpless,and hap to the hapless.

nikkigrosso25

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Sub: #7 thanks for the help!Wed, 07/27/2011 - 18:24

thanks for the help!

I will update. thanks for the help!

SPIDER.WOMANAZ

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Sub: #8 Also, you can back to your old bank and request your account staFri, 07/29/2011 - 10:52

Also, you can back to your old bank and request your account sta

Also, you can back to your old bank and request your account statements. You'll have to pay fee for copies etc. but it should be nominal.