still no validation

Hi Shirley,

I'm sorry that you are getting nowhere again. Is this a collection agency? Are they still trying to collect on the debt after you disputed it and asked for a validation? If so, file a complaint against them with the FTC. According the fdcpa laws, it must be validated before they can continue with the collection process. Plus, they are breaking the law if they are ignoring your do not call order. I'm dealing with a similar situation myself right now. :?

Today I received a letter from SIMM Associates stating that we have refused to contact them and they don't have to validate. Wrongo! I sent the second vaalidation today and until I get validation, they get no money.

They actually said they don't validate the debts. Obviously they have received your request other wise they wouldn't have responded like that. You are protected under the fdcpa laws. I learned that today! I have contacted an attorney in my area regarding Simm's Associates and I am going to meet with him later this week to see if I have a case to sue them :P

I think one of my payday loans was turned over to Oxford because the name sounds familiar to me. They never did validate the debt in my case either.

Let me know how it goes.

You are doing everything you can, Shirley...have you tried disputing with the credit bureaus? I can't remember everything regarding this account, there has been so much! :)

~Mary

oh yeah, the credit bureaus are sick of my @ss!! I have disputed and disputed--they keep coming back saying its mine. I finally wrote and said okay, they're validating to you but not to me--let me see their validation. They wrote back and explained that they do not go into much detail with their verification. mainly check the SSN, name and address kind of thing. They don't ask for contracts or anything that the debtor signed as proof. bogus huh? It kinda makes me mad because the bureaus report things and they really do play Gods with our lives in the way that they report. What they say can be very damaging. Yet (other than getting a free copy), we have to pay to see what they wrote about us. But thats what disputing is for and its also up to us to constantly look over our report to make sure nothing bogus is on it.

Hey Mishele!! Love your knew name girlfriend! you wear that title proud! I love it!

edited by vikas:
Deleted the post by ipaymybills.

Please read my response to ipaymybills post on:
http://forums.debtcc.com/halloffame/shirley.html

It was a similar post and I did not want to waste my energy replying to him again over here.

Warning to ipaymybills:
Please do not test our pateience. One more of such posts and we will have to ban you.

Ipaymybills,

You do not know any of these people from Adam, how dare you be so condescending! You are truly making a grand fool out of yourself with this nonsensical drivel. Like I said in my last reply to your last exact-same post (is there nothing creative or original about you??) Consolidation is not weasling debt down, it is gaining control over it. What is being complained about in this forum are collectors who break laws and their agencies who add on phony charges in order to bulk their overhead. Please do not post here again, this is not the appropriate arena for your crap.

Shirley,

I have also heard that the bureaus do a very basic validation process as well. That is why I asked...to confirm this. Did you dispute online, or did you use a handwritten letter? I have heard that if you handwrite a letter, in purple or teal font (so that it can't be read by an automatic scanner) and send it certified mail, not with return receipt (this sends it to a different department supposedly) people get more of a human response this way. You might want to try something like this. *shrug* Other than this, I don't know what to suggest!

~Mary

That's weird about the colors of font! I guess that would make a difference, as computers are probably programmed for black or blue font.

This reminds me of our Biology teacher in High School. He got hit in the head by a shot put and ended up colorblind somehow from it.

He could not see anything bright yellow--So if you wrote curse words on your papers with a yellow highlighter, he couldn't see it..That was always fun...lol

LOL, OMG!! That is too funny!!! I would be skeptical though, that sounds like something I would make up with my students, if I was a teacher....hehehehe

~Mary

No, he really couldn't see it...lol Some classes were interesting, because he at times would have to ask us what color things were. We had a rock project at one point and this new kid was trying to identify a certain rock, and the teacher said, "What color is it." and the kid said, "It's BROWN, duh! Don't you know your colors?" and the teacher said, "Yes I do..But my eyes don't know them anymore." LOL It was so funny.

LOL...it would suck to live life like that, but I guess you get used to it, just like being colorblind.

~Mary

I have had this gal leave VERY snotty messages on my phone and she also keeps calling my parents home bothering them. Is there some way to stop them from calling my parents home, isn't that invasion of their privacy? If so, how do I go about stopping the calls to them, they are elderly and don't need to listen to this witch.

whatthehay--You need to send them a cease and desist letter--Asking for written correspondence only.

A very simple way for them to stop calling is to pay your bill, the reason being, when you instruct an agency to C & D. They either recall it, sell it, or refer it to another c/a to handle. You'll have to go through the same hoops over & over,......

Settle Up
Who is to say this is even valid. Never heard of this place and they won't cooperate with a validation of this. Who is to say this isn't some sort of scam. I've always paid my bills, early even and paid more then what was asked.

Hey, why not pull a copy of your credit report. If it shows up, call their agency and verbally request validation/dispute it. If the seven year time to report it has run on the account, who cares? don't pay it.