Medical Data Systems....

Send them another letter stating to either prove or lose it! You can also remind them of the continued collection violation and the failure to validate violation. Heck let's get greedy and throw in unfair/abusive practices too.The full text of the fdcpa is in my signature at the bottom of my post.Read it!

ha ha Cajun! dont' wanna be greedy, it'll just come back to bite me .... karma ya know! ;)
Ok so send them another dv letter? Or do i just send it like u sed? prove it MDS or lose it! lol
thanks Cajun,
Ang

Ang here are the elements to test validation:
It must come from the original creditor,they must identify you personally,and the amount being collected has to match what the validation says.I would send them a short and sweet letter stating that they have not validated and had best get it done right.I would also file a complaint with the La. Attorney general explaining everything that has happened with this account.Make sure collection agency is aware of Attorney general complaint.

If I may add further to cajun's advice, get all the details from the CA that cajun mentioned and dispute the info they sent you in this letter. From their point, they have already validated your debt. Sending a DV letter won't help at this stage. Now you need to dispute their item by sending a debt verification letter and get further information on your account.

Ahhh ok, so now is the verifying process? I was JUST asking about this in chat room! SO let me make sure i'm understanding this correctly, now i need them to VERIFY the debt?!?!

And where do i get this debt verification letter? Also, do i dispute it with the credit bureau??
Thanks for any help,
Ang

Ang send the letter like I said to.They have not produced any validation yet so you would send a validation letter stating that along with the points I brought up.

okie dokie Cajun, gonna work on it now,
Thanks again,
Ang

Hi again Ang--

I just love how they make it a point to mention section 809 of the fdcpa, but then they refuse to follow it. That makes me laugh....

Anyways, cajun is on the money. I would send them a letter explaining that what they sent to you does not provide the information that section 809 requires them to provide. All they did was give you some account number and an amount owed....Tell them that they are in violation of section 809 of the FDCPA, and also that you will pursue legal action against them for such violations. I would also state in there that you want any reference to this debt removed from any of your credit bureau reports that it may appear on, and all collection activity to immediately cease until they provide the required documentation to you. If unable to provide said documentation, you expect that this matter will be closed. The law supports all of that action, so feel free to let them know that you know this law, since they apparently dont.

Me personally, this is about the time when I am smelling the blood in the water. At this point, I would also recommend checking to see if they are licensed in your state--they may not be, and if not, they are violating your state laws too. This is where I really think that the best thing you can do is hammer them with all the knowledge you can about the laws they are breaking. Dont tell them that you could pursue legal action--write that you WILL initiate legal action in response to their violations of federal(and state, if applicable) law. Let them know you aint playin. That way, they just might wake up and realize that you arent the average uninformed person, and they might shape up. Or, if they cannot validate the debt, they will possibly move on.

Wow, thnx a million for all this information! I will edit the letter i already wrote up for them and add some of what u have just said to me. I was also, thinking of sending the initial DV letter along with it...
again, thnx a million,
Ang

yeah, sending a copy of the correspondence to date isnt a bad idea. Include a copy of your original request and a copy of their half-a$$ed reply. That way, they will know precisely what info you requested and what info they already tried to pass off as good enough. Let us know how it goes...

Ok so the name of this CA is Medical Revenue Services, dohhhh!
Anyway i got yet another reply today in the mail and it's the same NOTHING letter! This one tells me I have 30 days to dispute this debt, yada yada yada, and at the bottom it gived 2 account numbers, client name, Doctor's Hospital and the amounts and the date of service, one for me, one for my son. (i don't remember going to the hospital for myself!)
So, now what?!?!? Dispute it?
I'm so freakin confused with ALL these medical bills!
oopps sorry excuse my french! lol
thanks for any help in advance!
Ang

see post above plz, need answers.
thanks,
Ang

Ok Ang,now it is time to get ugly.I am showing their main office to be in Florida.If I am correct,it is time to proceed in putting some pressure on them.I am gonna list some web links for you to file complaints:
http://myfloridalegal.com
http://www.800helpfla.com/complnt.html
http://www.flofr.com/Director/complaints.htm
www.ftc.gov
The first link is to the Florida Attorney General.The second link is to the Florida office of consumer protection.The third link is to the Florida office that regulates collectors.The last link is to the federal trade commission.I want you to file all your complaints noting the case #'s they will give you and fire off final letter stating that they are in violation of the fdcpa and must correct their actions or face a lawsuit.

Ok, but wait Cajun, the 2 letters i have from them is from Alabama.


Does this make a difference? Also, in the last letter i sent them i asked them to remove this from my credit report until this dispute is resolved. Well, it's still on there! SIGHS
Thanks again Cajun!
Ang

I will have to look up the links for them.Hold off on my first post.

Alright Ang,The registration info from both Louisiana & Alabama secretary of state records show the corporate head office being in Florida.Here is contact info for their head office:

Licensee Name: MEDICAL DATA SYSTEMS INC
License Type: CCA
Status: Active
Audit: CCA 0700115
Reg. License ID: LI00000213936
Initial Effective Date: June 24, 1999
Expiration Date: December 31, 2007
Disciplinary Action Indicator: None
Branch Number: 000000
DBA Name: MEDICAL REVENUE SERVICE

Business Address: 2001 9TH AVE STE 312
ATTN STEVEN EVANS
VERO BEACH
32960
Phone Number: (772) 770-2255
E-Mail Address: [email]sevans@meddatsys.com[/email]
Mailing Address: 2001 9 AVE STE 312

VERO BEACH FL
32960-6413

ok don't want to sound dumb.... but now wot?!?!
Send a letter to this florida office?
I'm SOOOOOOOOOOOOO confused!
Ang

Go to the links I posted and file complaints with the government agencies.If they assign case or complaint id #'s,write them down.Now draft a letter outlining what has happened with this account and stating this will be their last chance of validating/correcting credit report. You can address it personally to the name I gave in my last post.Make sure they understand that you have filed these complaints already.Send them copies of all the previous letters you have sent and received from them along with copies of the proof of receipt you have with your certified mailings.Send this letter certified return receipt.

Okie dokie Cajun,
I'm on it today!
Many thanks,
Ang

Ok got it all done cajun! But sheeshhhh i've spent probably 50 bux in $6 return reciepts! Could almost pay a big chunk of what i initally owe em! lol
But thanks a million, will keep u updated!
Ang

actually cajun to clarify, the agency does not need to provide anything along the lines of what you have listed- they merely have the obligation of verifying that the debt is correct with the original creditor- there are time restraints for doing so, but most of what you have listed are not part of the FDCPA which governs the rules for validation. I'm sure buddah would approve firstly of everyone taking accountability for paying any debts they have incurred- doing so avoids collection efforts completely in the first place.

Quote:

I know this is an old thread, but maybe I can help others. I used to work for these "people" (MDS) and their validation letters are canned responses. I know, they made me type them! Their main office is in Vero Beach, FL and they have satellite offices in Sebring, FL, Gadsden, AL, one in South or North Carolina (I'm not sure about that one, they were just opening when I left) and a couple more in Florida. Their validation letters are pre-formatted and all the collector has to do is plug in the account number, debtor name and the company/medical provider requesting payment of the debt. Their (MDS) idea of quality trained professionals is putting an ad in the local paper and roping in anyone off the street to work for minimum wage with the hopes of making a small bonus. Then they offer a 2 week "training session/class" where they are bombarded with information on how to best bully debtors out of money. Most of the collectors do not even know what the FDCPA is. If you have any questions or need help with any collections notices, please feel free to contact me at [EMAIL="chrity.stevens@rocketmail.com"]chrity.stevens@rocketmail.com[/EMAIL] and maybe we can stop unlawful collections practices (in a perfect world, I know) :)