creditors financial group & equable ascent financial
Date: Wed, 08/17/2011 - 21:40
first off, i have never done business with this EAF company...
i know for a fact that EAF purchased this account from one of my cc creditors,therefore, they are NOT the original creditor as stated at the bottom of the letter.. no one from EAF or CFG has tried to contact me by phone unless they are one of those numbers who turn up as "unavailable" or "unknown" on the id.. if i am home and have the pc up, if a number shows up without a name, i do an internet search and neither of these names has shown up in the search.
that said, i have typed up and sent off a DV letter to CFG. i used a sample dv letter i found on another website that requires a good bit of info to valid this debt..i even asked if this debt was purchased by EAF, who it was purchased from and the amount that was paid, along with proper documentation to prove such, along with the usual documentation one would ask for in a DV...i also stated in the dv that if they pursue collections or file for a judgement against me without validation, that i will provide my proof of the dv letter, and postal mailing information to the court and will file charges on them for violation of the fdcpa..
i know since it was sold by the real original creditor to EAF, they most likely did not pay the amount it says i owe..
i have read here that both of these companies are a pain in the rear to deal with too...
i want to settle this debt, but i refuse to pay what they say i owe to a junk debt buyer... and as of right now, i do not have any extra funds to pay out on settlements other than the big one i am currently paying on..
i am debating if i should contact CFG and tell them i have sent the dv or not.. i sent it registered, with return receipt, and they should actually receive it today (aug eightenth, which is within my 30 day window of contacting them by mail...
i am open for any input in re of what to expect, other than the debt validation that i have requested...
You have done your job by sending the debt validation to CFG. Wa
You have done your job by sending the debt validation to CFG. Wait for a few days mate. They may give you a reply. Don't pay any money to CFG. There is no question of settling the debt unless it is validated.
that is what i figure.. thank goodness i found this site before
that is what i figure.. thank goodness i found this site before i even started dealing with the creditors and such ! and thank goodness i called the OC to find out status & to possibly discuss settlement, to learn that the one was sold and who it was sold to, and that the other 3 have already been turned over to collections (2 to the same firm-one that i so hate dealing with) but they are still owned by the OC... i have spoken to the one collector that has only one account, and the lady handling my bill told me that they had already sent me a settlement offer via mail before i even talked to her. just got the offer by mail i think it was yesterday or day before, so i have until monday to accept of one the 3 options they gave me..the other collector has been ringing my house phone off the wall, and we have only received a letter from them on one of the 2 accounts... the letter states that i have 30 days to dispute or ask for validation.. since i know those 2 accounts are still owned by the OC, and the balance stated on the one letter matches my last statement from OC, i am wondering should i still send a dv to them... i know by doing so it will be me a little more time before i have to actually work something out with them, which would give more time for my check to arrive...
you are not entitled to how much they paid for the debt...there
you are not entitled to how much they paid for the debt...there is no law requiring that they disclose that figure.
i didnt figure i would be entitled to that info, but after seein
i didnt figure i would be entitled to that info, but after seeing where one website had it included in a dv letter, i thought, i would at least attempt it....
i sent the dv letter to them and they signed for it on aug 17...
i sent the dv letter to them and they signed for it on aug 17... i still have not heard one word from them...
i am wondering if i should send a dv to equable since they are the ones who bought the debt from chase....
has anyone ever dealt with either of these places???
here is it nov 25, over 3 months since i mailed and CFG signed f
here is it nov 25, over 3 months since i mailed and CFG signed for the DV letter, and still no reponse from them.. just a bit ago my house phone rings, i dont answer as the id only has the number on it. i searched the number, and it was CFG ! they really have the nerve, not to respond to the validation letter, and wait 3 months to attempt contact? i guess i will send a follow-up DV now, another nearly $6 out of my pocket.... if they call again and i am home, i may answer the phone and grill them about the dv letter i sent asking for the original contract with my signature with EAF (which does not exist, as they bought the debt from chase) & other proof that i owe this debt to EAF... if they want to send this info by fax, fine. if they want to send it by usps mail, fine. if they say will send by usps, and i do not receive it within 5 days, i will mail them another dv letter...idiots..
cfg has called my home number a couple of times since i last pos
cfg has called my home number a couple of times since i last posted here, and i have not answered the phone either time. have a sticky note on the only letter i got from them right after they took over the debt, nothing since then, and still no response to the dv.. have reported them to ftc.
Why aren't you answering the phone? Maybe they're calling to te
Why aren't you answering the phone? Maybe they're calling to tell you they're ceasing collection efforts? If they try to collect when they call, you have them on an FDCPA violation. It's a win - win for you. Answer the phone.
Ohio is dead on....there is NO violation until you pick up the p
Ohio is dead on....there is NO violation until you pick up the phone and they dunn you. If you read the FDCPA, they are entitled to one final call.
i do not think they are calling to say they are gonna cease and
i do not think they are calling to say they are gonna cease and desist at all. they are calling to badger me to pay...
since they did not validate the debt, why are they allowed one last call ???? the dv plainly states all collection activity and attempts are to cease until they validate the debt. they called a couple times in late nov then a couple more times in early december. you would think if they really want to get in touch with me, they would send something via us mail .... but if they call again (and i am home to answer the phone), i will answer just to see what they have to say. but i am not calling them..
right now if they attempt to go for a judgement, i got them due to the fact they did not validate. they cant validate because they do not have an agreement between me and eaf with my signature on it. dang junk debt buyers.
Quote:i do not think they are calling to say they are gonna ceas
Quote:
i do not think they are calling to say they are gonna cease and desist at all. they are calling to badger me to pay... since they did not validate the debt, why are they allowed one last call ???? the dv plainly states all collection activity and attempts are to cease until they validate the debt |
READ THE FDCPA!!! Unless you have a crystal ball, dont make assumptions. If they are going to break the law, let them. Be prepared and record them doing so. Read the FDCPA, know it and understand it.