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 Posted: Fri Jan 25, 2008 2:00 pm Subject: how is this validation letter? |
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Just got a collection letter from an overseas online gambling debt..can they really validate this?? should I include a page about how collecting a gambling debt is illegal or is this enough??
| Quote: | Notice of Demand to Validate Proported Debt
XXXXXXXXXXXXXXX
XXXXXXXXXXXXXXX
XXXXXXXXXXXXXXX
RE: Client Account#XXXXXXXXXXX
Joesph Mann & Creed
20600 Chagrin Blvd., suite 550
Shaker Heights, Ohio 44122-5340
DEAR COLLECTOR, TOM A TYRITY AND JOSEPH, MANN & CREED:
I dispute your claims in their entirety and request validation pursuant to the fdcpa.
Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a validation, that is, competent evidence that I have some contractual obligation to pay you. Also, please provide the original creditor's name, address, and date of last activity. Also be aware that it's inconvenient for me to receive phone calls regarding this. Communicate with me only via US Mail at the address above.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I have maintained all records and copies of any correspondence and any phone conversations will be recorded.
I am formally disputing the validity of this alleged debt. Please send me validation of this debt in the form of the original written contract, a complete payment history, an itemization of the alleged charges, and a copy of the contractual agreement between yourself and the original creditor that indicates you have the legal right to collect an alleged debt. I am requesting validation under the protections afforded me by the FDCPA, of which I am sure you are familiar. Please comply with my request or issue in writing a statement of withdrawal within thirty days from your receipt of this letter
Please be informed, I will pursue all of my legal rights against your firm should you violate any of the FDCPA guidelines.
Respectfully yours,
XXXXXXXXXXXXXXXXXX |
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guest
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| Posted: Fri Jan 25, 2008 2:43 pm Subject: |
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Conversations is spelled wrong.
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| Posted: Fri Jan 25, 2008 3:11 pm Subject: |
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Guest, if that is all you can say, why bother? Assuming you are a different guest!
I think the letter covers all the bases.
Tell them to cease communication period. Drop the part about it being inconvenient! They do not care if you are inconvenienced.
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frogpatch
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| Posted: Fri Jan 25, 2008 3:35 pm Subject: reply |
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Here is the corrected version..do you think I should also include a letter how collecting internet gambling debst is illegal?
| Quote: | DEAR COLLECTOR, TOM A TYRITY AND JOSEPH, MANN & CREED:
I dispute your claims in their entirety and request validation pursuant to the fdcpa.
Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a validation, that is, competent evidence that I have some contractual obligation to pay you. Also, please provide the original creditor's name, address, and date of last activity. Also be aware that I request you cease all phone calls regarding this matter. Communicate with me only via US Mail at the address above.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I have maintained all records and copies of any correspondence and any phone conversations will be recorded.
I am formally disputing the validity of this alleged debt. Please send me validation of this debt in the form of the original written contract, a complete payment history, an itemization of the alleged charges, and a copy of the contractual agreement between yourself and the original creditor that indicates you have the legal right to collect an alleged debt. I am requesting validation under the protections afforded me by the FDCPA, of which I am sure you are familiar. Please comply with my request or issue in writing a statement of withdrawal within thirty days from your receipt of this letter
Please be informed, I will pursue all of my legal rights against your firm should you violate any of the FDCPA guidelines.
Respectfully yours, |
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original poster
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| Posted: Fri Jan 25, 2008 9:01 pm Subject: |
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If they can send you all that you requested (and they won't), it would mean validation.
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The science is in knowing, the art is in perceiving - Robert Fripp (1946-)
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LawStudent
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| Posted: Sun Jan 27, 2008 9:13 am Subject: so |
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If they cannot send me all that legal validation, then they cannot pursue this debt correct? Also it has not appeared on my credit report, but if they cannot validate they cannot report correct?
Thanks
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