Harvest Credit Management (old hsbc account)
Date: Sat, 04/04/2009 - 23:58
I received a summons from the lawyers of Harvest Credit Management VII, LCC and on the complaint, it states that they are the original creditor and then on another line that they bought the account. This is very frustrating.... are they trying to be tricky. I paid off the account a while ago to a company that HSBC sold it to. Does anyone have a suggestion on how i should respond in my answer to court. I have less than thirty days left to respond. Thanks.
Hello paulinique, The first thing you would want to do is sen
Hello paulinique,
The first thing you would want to do is send Harvest Credit Management a debt validation letter which you can find an example of one right here on this site. Then I would just respond not guilty to the summons and explain that you have already paid the debt off and you are in the process of validating the so-called debt with the CA. If you are actually taken to court prior to getting the debt validation letter back in the mail just bring a copy of the letter you sent to them. It would help if you sent it certified mail so you would have proof that you sent it to them. You could also ask them to produce the note from which you originally signed with HSBC before you are willing to make any kind of payments to them.
More suggestions may come around but until then best of luck.
You probably should send proof that you paid off the debt to bot
You probably should send proof that you paid off the debt to both the attornies office and the court....paid in full letter, settlement letter and copy of the paid check/money order.
I've heard it said that a dv letter is useless once you've alrea
I've heard it said that a dv letter is useless once you've already received a summons. They're also obviously being sneaky when stating they they're the original owner and also that they bought the account. Isn't this unethical and how can they get away with this. How can I incorporate this point when I answer the summons. It would be awesome if I could still send them a dv letter.
That can't be right. I've also been sued by them, but they state
That can't be right. I've also been sued by them, but they state the original creditor was Chase and that Harvest is the CURRENT creditor. Might want to double check that. Perhaps you paid off another account? If you still owe the debt, Harvest most likely purchased it, and the best thing to do is to just tell them you can only afford a monthly payment plan and they should accept, it worked for me and I feel good because I am actually paying off a debt I owe!
No, don't pay them anything...DO NOT set up payment arrangements
No, don't pay them anything...DO NOT set up payment arrangements, you are then saying it's your debt. Get a DV do not let them take anything from you!!! First, they must prove it is your debt. Would you pay my debt, Noooo......so do not pay anything!! Also, do not ignore any of their letters, document everything, keeps copies, etc.