P.N. Financial

Hi lorim,

PN Financial is a debt collection agency whereas First Bank of Delaware is a bank giving loans and other forms of credit to the consumers. If you don't have any kind of debt with this bank, then PN Financial is trying to scam you. I will suggest you to ask PN Financial to validate the debt. Unless they validate the debt, you shouldn't pay them anything. If you find that they are unable to validate the debt, then you can send them a cease and desist letter and ask to stop any further communication with you.

Take care.

Hi,

You need to send them a debt validation letter through certified mail requesting a return receipt or CMRRR. As you are sure you owe no money to nay body, in all probability they won't be able to validate the debt and you can then dispute off this debt.

I agree with Savion. I hope the following 2 links may help you to write a debt validation letter and a Cease and Desist letter:
http://www.debtconsolidationcare.com/letters/sample6.html
http://www.debtconsolidationcare.com/letters/cease-desist.html

FBD as savion stated has alot of offshoots of credit here are just a few.

1)think cash(installment loan)
2)continental finance MC
3)imagine MC
4)tribute MC

if any of those look familiar then still get the DV(debt validation)letter to PN financial as if it is associated with FBD it is defunct as FBD has been cut off at the knees for their practices,and PN is a JDB that bought the debts.make them prove you owe these.