Extent of debt validation?

did you have problems with your financial information being compromised? If so you might need to file a police report, just a thought.

ladybug

You can ask for whatever you want. I don't get the part about the ATM. Are you saying that someone else withdrew money from the ATM other than yourself. If so file an identity theft report with the police. They will look at the tapes.

I want them to proove to me how I owe them 1500.00 dollars. I want to ask for reciepts for purchases made in a credit fashion and I want video tape to show debit / atm withdrawls.

and if they can not SHOW ME that I am responsible for every penny then I owe them nothing?

I don't think the law requires them to go that far. I think an itemized statement showing the charges were made, and how the interest and fees were added is the best you can hope for.

Requesting video proof is something you will not get. Frankly, the creditors are not required to videotape the transaction, so to require them to provide you video proof is absurd.

Also, it's not if they don't validate every penny you owe nothing. If they said you owed $1000, but could only validate $900, you would still owe that $900. Not being able to validate every penny doesn't nullify the whole debt.

I would be willing to bet that to get that kind of proof, there would have to be suspected fraud, a police report, or you'd have to sue them for something valid and during the discovery process request it.

I am certain that you'll be held liable for at least the ATM transactions (although an exception might have been made, had you disputed in a timely manner)...maybe you could push for the credit card receipts, but as I understand the FCBA, you only have 2 billing cycles to dispute a credit transaction charge to your account.

Also, if the creditor or collection agency is going to sue you for the debt, they do not have to prove the debt to your satisfaction, only to the satisfaction of the court.

*Unless, you never opened the account (i.e., ID theft).