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still no validation

Submitted by imkimssister on Mon, 03/20/2006 - 15:34
Posts: 1301

Oxford still hasn't given me validation and I have asked for it three times now. They call my house every day and totally disregard my request to stop calling. They were/are holding two Dell accounts. I got a letter last week saying I owe such and such amount. I think they have combined the two accounts from looking at the amount. of course if they would answer my validation request, I would know.

Now what to do next on my part? I thought about faxing them and asking them how they came up with this amount, is it the two accounts combined...but isn't this the same thing I've been asking for through validation that they haven't responded to?

Anyone here ever deal with Oxford?
Once I write them a letter and offer negotiations for monthly payments--thats it, no turning back. They say the debt is 2000. (has to be the two debts combined).
I don't even know where to start at as far as offering them a monthly payment. I am paying other collection agencies and write offs too but my regular debts that are still good. I've never said this account wasn't ours. But if I send a letter, it will be admitting it and they can use that against me to try and force me to pay what I can't. make sense?
whereas, if they can't validate, they can't collect. I am forfeiting that by negotiating. so whats my next move. all opinions welcomed.

**seems I can tell everyone else what they should do---its like being on the outside looking in, but when you're on the inside, you're not really sure what your next move should be. This is why I'm asking. thanks, shirley

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. :?

Submitted by Cow & Chicken on Mon, 03/20/2006 - 16:56

Cow & Chicken

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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

Submitted by Cow & Chicken on Mon, 03/20/2006 - 17:14

Cow & Chicken

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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.

Submitted by imkimssister on Mon, 03/20/2006 - 18:49


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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.

Submitted by Jedi Mistress Ari on Tue, 03/21/2006 - 13:44

Jedi Mistress Ari

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I have also heard that the bureaus do a very basic validation process as well. That is why I 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!


Submitted by Mary on Tue, 03/21/2006 - 13:52


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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

Submitted by Jessi on Tue, 03/21/2006 - 13:57


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No, he really couldn't see 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.

Submitted by Jessi on Tue, 03/21/2006 - 15:34


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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.

Submitted by on Fri, 10/06/2006 - 22:58

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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,......

Submitted by on Tue, 10/10/2006 - 08:04

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