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Response to Barnes Givenski after not receiving debt validation

Date: Mon, 07/25/2011 - 20:21

Submitted by nikkigrosso25
on Mon, 07/25/2011 - 20:21

Posts: 22 Credits: [Donate]

Total Replies: 8


Hello there I recently received a call from Barnes Givenski, a law firm in Georgia claiming to represent a collection agency that had been harassing me for over a year about a loan from Web Payday from 2007. To my knowledge i paid this off but i can only find the emails that I had sent to Web Payday way back then. I no longer have the bank account i would have used to make a payment. Anyway-I asked that the "arbitrator" send me written documentation about what I owe. I received an email that said they would be willing to extend payments to avoid arbitration and did not even include the amount of $407 that was mentioned on the phone. Don't I have a right to receive a letter in the mail about this debt if it is legitimate? I'm not sure how to respond to them via email. The harassing phone calls have not started yet, but I am considering blocking their number from my phone. I'm sure they will call me from another one eventually though. Can I send a demand letter of sorts via email?


Hello Nikki,

Yes, you have full right to receive a official letter if the debt is legitimate. I would suggest, you send them a debt validation letter asking them to validate your debts. If you find that you don't owe any debt to them you can send a cease and desists letter for them to stop their harassing calls.

Hope these suggestions will help you . :)


lrhall41

Submitted by scarlett.brooks13 on Tue, 07/26/2011 - 04:50

( Posts: 46 | Credits: )


Yes, i have seen the complaints about them online and I understand that the BBB is a paid membership. Fortunately, I haven't experienced anything harassing from them yet but i'm sure it's headed that way.

Is it ok to respond with a debt validation request via email even though I am asking them to respond with a written letter? Also, it has been awhile since I have been on this site but I thought somewhere there are some sample letters or at least verbiage to use?


lrhall41

Submitted by nikkigrosso25 on Tue, 07/26/2011 - 05:21

( Posts: 22 | Credits: )


Dear xxxx

I dispute the validity of this debt. I paid it in xx/xx/xxxx. Prove that I still owe it by sending me a copy of the original agreement and a full payment history from the lender. Failure to validate this debt will force me to pursue you legal avenues for violation of the FDCPA.

To the poster....the bank you paid this from would still have the records and you can still get copies of the paid item.


lrhall41

Submitted by SOAPLADY on Tue, 07/26/2011 - 05:30

( Posts: 17315 | Credits: )


first off this is not a legit collector as a google search of the name revealed a bunch of complaints similar to yours.second the doofus who claimed he was an arbitrator broke the law in stating that.so you send the reply SOAPLADY gave above,but don't include anything else as it is up to this piece of garbage to prove you owe,not you to prove you don't.i would get the old bank statements to give to your AG as part of a complaint against both web payday,and this bottomfeeder,but that is the only reason i would do that.again this is not a legit collector,and web payday is not a legal lender anyway.send the verbage by email and be prepared to file complaints against this bottomfeeder.


lrhall41

Submitted by paulmergel on Tue, 07/26/2011 - 06:08

( Posts: 15514 | Credits: )