NCO responds to DV!
Date: Sat, 02/23/2008 - 02:16
Basically they state that while they feel they have satisfied federal law, state law does not give them enough time, so they are removing the account from my credit reports! The letter almost feels…whiny.
Where they feel they have complied with federal law is also a joke…they sent what looks like a bill, with a bunch of blanked out areas, and with columns, one with the ‘description’ of activity, which is emergency room visit and such, then it lists the costs…but in the last column, where the totals are to be put..there are all –handwritten-! Not typed, not computer generated, but written in pen! The whole thing looks like someone just took a generic blank bill and filled it in from information they already had. No where on this paper could I see the logo or anything that would suggest the original creditor, unless it is in the blanked out areas (two large areas blanked out) Can’t imagine why they would blank –anything- out. Seems very fishy to me.
But the main thing here is they apparently don’t want to mess with Texas law and are admitting defeat! Whee!
My friend, NCO is very fishy, more like pond scum or a mud puppy
My friend, NCO is very fishy, more like pond scum or a mud puppy turd.
wow.....just wow.... At this point I would strongly recommend
wow.....just wow....
At this point I would strongly recommend that you push the issue to protect yourself against their often illegal practices. I would first watch that credit report like a hawk, because you want to make sure that they do remove it. Watch all three of your major reports--I wouldnt put it past them to remove it from one but place it on another.
Next, I personally like to let these people know that I am not some simple-minded guy with no knowledge of the law and my rights. I would send them a certified letter, enclosing copies of their latest letter and the "validation" they send, and inform them that due to their inability to validate the debt, you consider this matter to be closed. I would say that despite their best efforts at misinforming me, the statement they sent does NOT satisfy the federal law's requirements for debt validation. I would also say that they have 10 days from date of receipt to remove any mention of this debt from any of my three major credit reports that they may have reported it to. Should they fail to do this in said time, they will be facing a lawsuit for the FCRA and 1 that they would be committing by failing to remove the reports from my credit files.
There is a time when I want to see if a CA will rack up violations so I could sue them for their incompetence--but dealing with that particular company just leaves me pissed off and I would rather just be done with them completely, so I send them letters like this.
Pretty much my plan, though I am giving them the 30 days that th
Pretty much my plan, though I am giving them the 30 days that this state requires....but if they are not gone off my reports by then....I will haul their butt to court.