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Midland Credit Management Information

Date: Tue, 01/08/2008 - 18:18

Submitted by lrhall41
on Tue, 01/08/2008 - 18:18

Posts: 245 Credits: [Donate]

Total Replies: 7


I have been harassed by the same lady for over 3 months, calling me at work and my cellphone demanding for me to tell her if I am going to pay on a Providian account. One of the times she told me that the last time there was any account activity was in 2001. Today she called again and had an attitude with me, asking me if I was going to make a payment. I asked her again to give me her address so I could validate the debt and the amount and she told me that I was past the "validation date".... whatever that means. I told her that I demanded to have her address to send her a Certified Letter requesting validation of the debt and again, she got really pissy with me and told me "So you are refusing to pay this debt?"
I told her that I wanted to validate the debt because it was, according to my calculations and the laws in Florida, past the SOL.
Again, she said that they have sent "many" letters to me and when I asked her, do have any proof that I have received them, she said, "We sent them.". I kept telling her that unless she had a receipt with my signature, I have not received anything from them and to please give me the address so I can send them a letter to "validate my debt".
We went on and on for about 15 minutes, she telling me that I refusing to pay and me asking her for her address until she finally gave up and screamed something at me and hung up.
Now, I need to have her address to send her (them) a letter, but I do not have a reference or account # and I do not feel compfortable sending them my Social Security #.
How should I handle this?
Thanks.


Here is your addresses, pick one :) :

midland credit management, Inc.
aka: Midland Funding
a subsidiary of Encore Capital Group, Inc.


8875 Aero Dr. Ste 200
San Diego, California 92123-2255
Phone: (858) 309-6970 - 800-825-8131 or 858 309-6970 858-560-2600
Fax: (858) 309-6977 800-306-4443

Phoenix
4302 E. Broadway Rd.
Phoenix, AZ 85040-8808
Phone: (602) 707-0211 Toll Free: (800) 265-8825

St. Cloud
16 McLeland Road
St. Cloud, MN 56303 Toll Free: 800-265-8825

Also when you request address that falls under meaningful identification of the CA, failure to provide such is a violation of the fdcpa. As was screaming at you, calling you at work if you told her that it was prohibited at your work place also calling your cell phone was a violation as well.


lrhall41

Submitted by JCEMT on Tue, 01/08/2008 - 20:23

( Posts: 2934 | Credits: )


Also, I wanted to add that this woman said that I was past the validation date. I didn't know there was a timeframe for them to validate the debt. I kept telling her that it was past the SOL, and she kept saying that it is past the validation period.
Does that mean that they do not have to validate the debt because the time has expired?


lrhall41

Submitted by on Wed, 01/09/2008 - 18:46

( Posts: | Credits: )


Sorry, I forgot to sign-in. I don't recall seeing a letter from them and that is what I told her. She said that they sent one in October. When I asked her if she had proof that I received it, she said, we sent it and that is it. Your validation time has expired. That is why I want to sent a Certified Letter requesting validation of debt, because I really don't agree with what they say that I owe.


lrhall41

Submitted by lrhall41 on Wed, 01/09/2008 - 19:15

( Posts: 245 | Credits: )