What to do next?
Date: Wed, 08/17/2011 - 17:49
My wife and I live in California and here is our story...
On June 1, 2011 my wife received a collection letter from a company called NCO Financial System, Inc. After helping her search the internet for a solution. She responded with certified debt validation letter which sent out on June 16th. It was received by NCO on June 20th.
She waited 30 business days (June 20th to July 29th). Nothing arrived in the mail.
Since the 30 business days had passed she thought that she was in the clear.
On July 30th (Saturday) she received a letter from NCO stating the following:
"Thank you for your recent inquiry regarding the the above-referenced account. Please be advised that we have contacted the creditor with a request for validation of the above-referenced account. We will forward any materials we receive as a result of our request to your attention for your review and consideration."
Uncertain about what to do next, I suggested that she wait for the next letter.
On August 11th she received what appeared to be the "validated" information. It consisted of two pages: a letter and computer printout.
The letter stated:
"Pursuant to your request, enclosed is the information you requested regarding the above-referenced account."
The computer printout lists some itemized charges and my wife's name is not printed as part of the invoice but is written in by hand (see picture)
http://i897.photobucket.com/albums/ac179/jose_alvarez_1107/printout.jpg
Clearly this is insufficient proof and I'm not sure how to respond to this?
Should I send another letter requesting validation and ask for specific information?
I found a couple of sample letters on the internet but I am not sure which one to use as a reference:
http://media.bills.com/pdf/notice_of_insufficient_validation.pdf
http://media.bills.com/pdf/failure_to_validate_debt.pdf
Any suggestions or comments would be greatly appreciated.
Jose
Welcome to the forums!!! I think the following 2 links may help
Welcome to the forums!!!
I think the following 2 links may help you in this regard. Please check out it:
http://www.debtconsolidationcare.com/letters/sample6.html
http://www.debtconsolidationcare.com/letters/sample7.html
Ignore the letters that Sally posted...they are useless. Sound
Ignore the letters that Sally posted...they are useless.
Sounds like NCO is representing the creditor directly. This is what the creditor provided for what sounds like ambulance service, correct? If so, it is not likely that there was an invoice signed....what type of validation are you looking for? Sounds like a valid debt...they more than likely have already provided you with the name of the creditor per the FDCPA.
That is not proper validation at all. Seriously?? They hand-wr
That is not proper validation at all. Seriously?? They hand-write in your name and expect that to fly? I can write anyone's name on a piece of paper too...that doesnt mean they owe me money!
wow....
This is, as you stated, not proper validation at all. Proper validation according to the law must come from the original creditor. It cannot be a statement generated by the debt collector--the FTC has stated that in plain english. Validation comes from the original creditor only--and the CA must "obtain it from the original creditor and provide a copy to the consumer".
