Help with a letter
Date: Mon, 08/06/2007 - 15:03
Here is a sample of a debt validation letter at http://www.debtc
Here is a sample of a debt validation letter at http://www.debtconsolidationcare.com/forums/about216.html courtesy of Cajun. There are sample letters on this site too. You need to adjust the letters to fit what you are doing. Don"t give personal or bank info to any collection agency, and if you pay, pay by money order. Also, keep copies of everything they send, you send, and correspondence with them. Feel free to ask questions, we are here to help you!..Karen :D
That is a very strong letter. I think I will tone it down a litt
That is a very strong letter. I think I will tone it down a little for my first attempt
The calls
On the 7th I mailed out my request for DV letter to LTD. (I'm still confused on how they got the letter that I sent to Financial Recovery Services, Inc) But since then ???????Peter from LTD has left me 2 voice messages to please call him. So returned his call and he asked me if I received their letter with the account number on it that proves that they hold my account. I said, Peter, I need DV and I need it in writing. To this he played dumb and wanted to know what I meant because the letter they sent me had the account number on it. I said ???????Look Peter when you receive my letter, please respond via mail and do not call me unless you can come up with the required proof??????? ..Click... In less that ???? hour Owen (Peter????????s Manager) called saying that he had been told that I needed clarification of my account. He said that he could make a much better offer then the first letter. Again I told Owen I had sent a DV letter to which he played dumb about what that meant, so I repeated the same thing I had told Peter and hung up.
Are they allowed to call me once they receive my Letter? Any advice?
I have also checked 2 of my CR????????s and LTD is not listed on either one of my credit score is at 846 (which makes me very happy)
PS
The letter that I sent to FRS, which LTD now has had the account number on it. I don't think they have any more information about the account!
According to my receipt, the DV letter I sent was received on th
According to my receipt, the DV letter I sent was received on the 10th of Aug. It is now the 24th and I have not received anymore calls and no DV. What is my next step? Has this just forced LTD to back off or should I send a second letter? :roll:
I think the letter is just perfect. Why should we be nice to the
I think the letter is just perfect. Why should we be nice to them, we are rightfully entitled to the information about the debt they are trying to collect on.
If you haven't heard anything within the 30 day time frame send another one. Chances are they have sold your account to another collection agency and therefore cannot provide validation.
What is the date of the last payment activity on it. Make sure it is not past the statute of limitations for your state You stated that the bank sold out, do you mean another bank took over, if so try contacting them to see what they did with the old accounts.
ladybug
The account with People's bank can not be traced. People's and t
The account with People's bank can not be traced. People's and the new bank have no records because the account was charged off before the bank was sold/closed.
The only clue I had was a few conversations with someone from FRS in 2005. That is why I sent them a letter to begin with. I have no idea how the letter to FRS ended up in the hands of LTD. It all sound fishy to me.
There must be something shady going on because both FRS & LTD have not reported anything on my CR. The Peoples bank charge off is due to come off as of in 2008
I still have not gotten a DV letter for LTD but I did check them
I still have not gotten a DV letter for LTD but I did check them out on BBB and they have a satisfactory record:
L T D Financial Services, LP
Yahoo Map
7322 Southwest Frwy, Ste. 1600
Houston, TX 77074
The BBB reports on members and non-members. If a company is a member of the BBB, it is stated in this report.
Original Business Start Date: 12/01/93
Principal: Lenore Hankins, Compliance Director
Phone Number: 713-414-2100
Fax Number: 281-414-2137
Email Address: lgibbs(at)ltdfin.com
Web Site Address: ltdfinancialservices.com
ltdfinancialservices.reliabilitymall.com
Membership Status: This company is a member
Date Joined BBB: 02/28/95
Type of Business: collection agencies
Financial Services
Additional Business Names:
LTD Financial
LTD Financial Services
BBB MEMBERSHIP
This company has been a member of this BBB since February 1995. This means it supports the BBB's services to the public and meets our membership standards.
PROGRAM PARTICIPATION
The company participates in BBB CARE and has agreed to use special complaint handling procedures including arbitration, if necessary to resolve disputes.
CUSTOMER EXPERIENCE
Based on BBB files, this company has a satisfactory record with the BBB.
I was supprised!