is this validation?
Date: Mon, 05/07/2007 - 17:22
Is this signature validation/verification that I owe a debt to LVNV
No it is not validation. See my post a little further down Prop
No it is not validation. See my post a little further down Proper Validation.
Nope,not even close.Per Ftc opinion letters,it must be obtained
Nope,not even close.Per Ftc opinion letters,it must be obtained from original creditor and be forwarded to you by the collector.
I looked at the acceptance form again. It was titled "ACCEPTANCE
I looked at the acceptance form again. It was titled "ACCEPTANCE CERTIFICATE". Then it had a box for the person to check with "SEND MY CARD QUICKLY". Also, on the form it says "PLACE STICKER HERE".(there is a box which may have a sticker in it..can't tell for sure on this black and white copy of this form) There is a box which is checked by "I AM SENDING A PERSONAL CHECK. YOUR REQUEST CAN NOT BE PROCESSED WITHOUT YOUR DEPOSIT.MAKE CHECK PAYABLE TO PROVIDIAN" Below that it says "I HAVE READ AND AGREE TO THE TERMS AND CONDITIONS INCLUDING THE SECURITY AGREEMENT AND IRS CERTIFICATION" Then there is a signature that looks like mine.
My question is:
Does this sound like this could be a copy, of the original agreement, from the original creditor?
Is yes, does that mean the collector has the real orignal copy?
That card doesn't matter anyway. The collector (debt buyer) mus
That card doesn't matter anyway. The collector (debt buyer) must prove that you have some contractual obligation to pay them, if the SOL hasn't run.
I got one of those xeroxed copy acceptance cards. If the co
I got one of those xeroxed copy acceptance cards.
If the company does not have the original, wouldn't it be easy to make a fake color copy look like the original?
Still that card is no proof, even if real. It doesn't state any
Still that card is no proof, even if real. It doesn't state any contractual obligation you have to the debt buyer, nor that it is indeed your real signature. It also doesn't show how they calculated the alleged debt or any fees they might have tacked on.