Here is my validation response--> now what?
Date: Sat, 03/06/2010 - 12:53
it says
reference #
account number#(old cc number)
Creditor: LVNV Funding,LLC
Debtor:me!
Pursuant to your request for verification of debt :
Original creditor information: GE CAPITAL
date of last purchase or service: (left blank)
Merchant name (if different from original creditor) GE CAPITAL (paypal buyer)
Date of last payment: 5-5-06
Balance due $1,###.00
additional information:
this account was opened on 11-9-04 and charged off 12-8-06
Please review carfully & advise us without delay if you dispute this or have any further questions.it is our intentions to resume with collection activity if we do not hear from you within 10 days with either a proposal for voluntary payment or detailed information regarding any possible dispute.
thank you,
scumbags
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR AND THIS IS AN ATTEMPT TO COLLECT A DEBT.ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Ok,so...that is not proof of squat right? & is this law firm claiming to be a debt collector?^^
here is a post with some more info about this account
http://www.debtconsolidationcare.com/collection-agencies/thread61313.html
thanks so much for any help!
Validation HAS to come from the original creditor, in this case
Validation HAS to come from the original creditor, in this case from GE Capital. Regurgitating their own information shows proof of squat.
Respond that you do in fact dispute the validation as it proves nothing. Where is the signed contract proving you owe on this account? Where are the last statements reflecting the amount owed?
oh thank you! I got this response on another forum... generic
oh thank you! I got this response on another forum...
generic letters beget generic crap in response. The fact that you used generic letters for a DV tells the third-party that you don't understand what the law does or does not require, so they are simply going to provide the bare-bones minimum.
Had you placed a particular component of the claim in question, it makes their task more difficult because they then need to come up with specific documents to prove up that element of the claim...
They provided what the law required, which means that you need to send a letter that is specific to your situation and demonstrates why the amount being sought is invalid.
In other words, what SPECIFICALLY is being disputed?
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and it really discouraged me BAD!
I'm not sure yet what to send back to them,but it sure feels good to here something positive,thank you!
