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 Posted: Tue Sep 04, 2007 3:06 pm Subject: letter to ipdl if I still owe
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the principal?
can someone point me to a letter if I still owe them?
I live in Texas I have internet and store front loans that I'm defaulting on, but the illegal internet
ones, I still owe some the principal and wanted to
see if there is a letter I can email them?
any help is appreciated?
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vanryankelly
Joined: 18 Aug 2007
Posts: 84
Debtcc Points: 2044
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Posted: Tue Sep 04, 2007 3:23 pm Subject:
Latest Blog Post : Holidays |
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I can PM you a copy that I sent to mine. It didn't really work for me, I don't think any of them will listen to me until I bring in my equivalent of the AG (in OR we go through the Dept of Banking). That is the only way it worked on one of mine. But I'll send that to you and you can modify it to what works for you.
_________________
Life is an Albatross:Advice from an Albatross
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pokogeo
Joined: 05 Jul 2007
Posts: 587
Debtcc Points: 9432
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Posted: Tue Sep 04, 2007 3:26 pm Subject:
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Try this sample letter
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Date
Your Name
Name and Address
of original creditor
Re: Acct # 000-000-000-000
To Whom It May Concern:
This letter is regarding account # 000-000-000-000, which you claim I owe. This is not a refusal to pay, but a notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting "validation"; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe is a violation of the Fair Credit Reporting Act; therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
If you no longer own this debt, remove the derogatory marks from my credit report per the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company. I will be seeking a minimum of $5,000 in damages for:
1. Defamation
2. Negligent Enablement of Identity Fraud
3. Violation of the Fair Credit Reporting Act
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Best regards,
(insert your name)
Cc: (Insert a lawyer's name here), Esquire
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weeswie
Joined: 07 Aug 2006
Posts: 382
Debtcc Points: 5743
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Posted: Tue Sep 04, 2007 3:27 pm Subject:
Latest Blog Post : Holidays |
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Oh yeah, and people have been pointing out that you want to revok any wage assignments you may or may not have signed. I'm in OR and they don't allow those, but I don't know where you are and what your situation is.
Also don't forget to peruse the "do-it-yourself" tab with all those letters, I created mine cuting and pasting things from them and using the suggestions left to me.
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Life is an Albatross:Advice from an Albatross
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pokogeo
Joined: 05 Jul 2007
Posts: 587
Debtcc Points: 9432
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Posted: Tue Sep 04, 2007 4:16 pm Subject:
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Ok, what I'm I missing? I don't understand is this what I use to still pay on the payday loan if I still owe, right?
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vanryankelly
Joined: 18 Aug 2007
Posts: 84
Debtcc Points: 2044
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Posted: Tue Sep 04, 2007 4:34 pm Subject:
Latest Blog Post : Holidays |
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I don't understand that letter either. I think it is meant for if your PDL gets sold to another collection agency, then you'd send them that to validate the debt, and if they are illegal they usually don't validate it.
I assume you are still working with your PDL and if it is in collections it is still 'in house'.
_________________
Life is an Albatross:Advice from an Albatross
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pokogeo
Joined: 05 Jul 2007
Posts: 587
Debtcc Points: 9432
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Posted: Tue Sep 04, 2007 4:41 pm Subject:
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Van, I am going to pm you a link to try. Let me know if this is what you are looking for, if not we will find it.
_________________
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
Moderator
Joined: 03 Aug 2007
Posts: 4093
Debtcc Points: 11406
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Posted: Tue Sep 04, 2007 6:08 pm Subject: reply
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kelly, I can help you if you can't get one you're looking for. Just post. I see Roxy is helping now. If you guys can't get it square, let me know. 
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
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Posted: Tue Sep 04, 2007 6:18 pm Subject:
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Cannr- I did not know how to send mine that you so generously assisted me with, so I looked one up and pm'd him where to find it. Hopefully he will let us know if it is not what he is looking for.
_________________
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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Joined: 03 Aug 2007
Posts: 4093
Debtcc Points: 11406
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Posted: Tue Sep 04, 2007 6:24 pm Subject: reply
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We will wait to hear from kelly!
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cannr
Moderator
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Posts: 9374
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Posted: Tue Sep 04, 2007 7:36 pm Subject: pm
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can someone pm sample letters to me as well, thanks
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misskitty882
Joined: 24 Aug 2007
Posts: 6
Debtcc Points: 78
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Posted: Wed Sep 05, 2007 11:23 am Subject:
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Cannr and Roxy - sorry been a whirl wind at work,
I believe this is what I need. I will look at it again closely at home tonight. thanks ladies - so generous this place...yes!!!! hugs!!!
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vanryankelly
Joined: 18 Aug 2007
Posts: 84
Debtcc Points: 2044
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