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chrystalb · Posted: Fri Nov 23, 2007 12:01 pm Subject:

cannr, I sent them the written request today. They refused my request over the phone.

chrystalb · Posted: Fri Nov 23, 2007 12:04 pm Subject:

Another question....if I don't have good results with the collectors can I call the original creditor (cash store) and make payments to them? I did call them first and they referred me right to the collection agency.

Posted: Fri Nov 23, 2007 7:16 pm Subject: r

chrystalb, okay, they refused your validation over the phone. Jerks. But you did mail in a debt validation letter, correct? They should give you validation in written form. As far as contacting the Cash Store, I really doubt they will work with you, as they have already turned it over to collections. However, you can always TRY to call them and see if they can pull it from collections and get it back to them. Usually, they won't (just my experience) but some places will do that if you can make reasonable payment arrangements with them. Hell, it's worth a phone call. You might get good results. But that collection agency needs to validate that debt in writing to you.

Posted: Fri Nov 23, 2007 7:33 pm Subject:

Chrystal, I am pretty sure Cannr has said this before but I am going to reiterate...you need to do a debt validation letter (if you have already not done so) becuase as part of the fdcpa, all collection activity ceases while this is going on. That should give you some time to figure out how you are goin gto apy them and verify that you actually owe what they say you do.

Posted: Fri Nov 23, 2007 7:34 pm Subject: r

Thanks, roxy! Yes, it'll "buy you time" because they're not supposed to keep the collection efforts up until they can valid the debt. I think that's what I was trying to say! roxy has to clarify for me sometimes! Laughing

Posted: Fri Nov 23, 2007 7:37 pm Subject:

Also, it was posted earlier and I wanted to remind Chrystal she has that option.

Posted: Fri Nov 23, 2007 7:40 pm Subject: r

That's why we NEED you, roxy! To clarify what we think people already know and they don't! Damn! I just need to type slower! LOL!

chrystalb · Posted: Sat Nov 24, 2007 11:33 am Subject:

LOL thanks guys Smile

I did send the letter yesterday, so I guess I'll just have to wait for that. What happens if they don't validate it in writing?

Posted: Sat Nov 24, 2007 5:30 pm Subject: r

You did keep a copy, right? Just make sure you have documentation of everything. If they can not validate the debt (but I'm thinking they can since it's a legal one), then they will have to admit they can not validate it. It HAS to be validated to be a "legit" debt. Now, they have to cease all collection efforts while validating. At least this will buy you some time. If they do validate it in writing to you, then it will be considered a "legit" debt that you need to pay.

Posted: Tue Dec 04, 2007 10:54 am Subject:

I just got refused validation over the phone. I asked that they send me something in the mail or by email even. She said they couldn't do that. Said she'd be calling work to verify my employment and would mark my account refused to pay...

So I told to secretary to tell them when they call that it is a personal matter and they are to contact me through the mail, and to not call me at work... And I'll be sending that validation letter....

chrystal - how'd the letter writing for you go? Did you get your return receipt or hear back from them or anything yet?

Posted: Tue Dec 04, 2007 7:12 pm Subject: r

poko, did you sent a debt validation letter? I believe you need to send it in writing to them. This way you will also have documentation.

Posted: Wed Dec 05, 2007 10:29 am Subject:

Yeah I posted in my thread what I found for it, and sent you a message. I'll be heading to the post office at lunch today. It just amazes me how rude they are on the phone, but will respond to a letter!

Posted: Wed Dec 05, 2007 10:48 am Subject:

Pokogeo, do not be suprised if they do not respond to your written request either.

Posted: Wed Dec 05, 2007 12:56 pm Subject:

I won't be, but if they don't stop calling then complaints will be filed on their tails and that will make them stop! Because they are licensed in OR to collect, and if they don't follow the rules they could lose that!

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