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 Posted: Tue Oct 16, 2007 5:19 am Subject: ARM Collection Question |
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When I sent my debt validation letter to this company, I stated in the letter to send any correspondence to the address listed in the letter at the top. In a response to a case filed with the BBB, they stated they sent the correspondence to an address they had on file which was given to them by the origionator of the debt. Prior to this account being turned over for collections, I contacted the origionator of the debt and informed them in writing that they had the wrong address and what my correct address was. Evidently it was not changed. NOw supposedly this letter is going to an old address and I would have never known this had I not filed a compalint on them with the BBB. What do I do now? Do I need to send another letter?
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RoxyNY
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| Posted: Tue Oct 16, 2007 6:59 am Subject: |
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I would send them another one, and list your current address several times!!Also, put a "please note current address" memo to it!
Do you still have a copy of the letter that you sent to OC that states wrong addy? If so, mail a copy to them.
Be sure and make copies of everything that you, or they do for the future-has saved my behind several times--Good Luck..Karen 
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Bossy4455
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| Posted: Tue Oct 16, 2007 10:27 am Subject: |
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After my experiences with ARM I would be willing to bet they are pulling something on you. I had the nice CA and bad CA phone call with them and it ended up that this guy was screaming at me what a loser I was and that I should just pay my damn bills. I turned them into BBB and they ended up responding that after our phone call the original company where I had my loan decided to write the balance off and I would not hear from them again.
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MPEREZ56
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| Posted: Tue Oct 16, 2007 10:46 am Subject: |
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You should see the respose I received from them through the BBB...It was unbelievable, claimed i was harrassing them and this was the last statement:
| Quote: | | ARM provides itself in professional conduct and adhering to all State and Federal laws regarding the collection of deliquent debts. ARM performs background checks on all new hires and is very selective in the interview process to ensure professional debt collectors join our origanization. Infact all associates are tested on the FDCPA on a quarterly basis; all new hires must take and pass the FDCPA before palcing any collection calls. |
If their employees are professional, I would hate to see what they determine is unprofessional. My belief is that they sent the letter to the old address to be sure I do not receive a letter. It is really poor when I state in my validation letter which address to use and then they completely disregard what I stated and do what they want.
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In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
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| Posted: Tue Oct 16, 2007 11:41 am Subject: |
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Send them another letter, in it put your new address in big, bold letters. Then inform them that you already gave them your current address and include a copy of the original letter with your new address highlighted. 
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goldenbast
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