Validation letter question
Date: Tue, 04/18/2006 - 10:44
Also, do I go into detail? I received a letter from a collection agency today, for an old Blair account. I had called them repeatedly because they didn't credit a $195 ring back to the acct. Then I said fine, I won't make another payment until you remove the charge. Talked to their in-house collection agency a few times (the supervisor yelled at me that I needed to get a lawyer because they were going to sue me for stealing from them). I TRIED to make a payment, and she refused to accept it because she wanted payment in full. Do I write in the validation letter what part of the debt I am disputing, or just leave it simple?
Thanks,
Dana
In the debt validation letter I put in to show me proof of your
In the debt validation letter I put in to show me proof of your licensure in my state. I would send them a debt validation letter and make them state why they are collecting when they are the ones who didn't credit the $195.00 back to the account. We are dealing with Blair right now. They sold their acounts to WFCB and they are a bank. They had our account all messed up. Blair never notified us that they were selling the accounts. We were sending the paymetns to Blair at the Warren, PA address and they were cashing the checks but not forwarding the information. We didn't know to send paymetns to WFCB til they called demanding 4 months of payments. We sent them proof of the payments to Blair and they noted the account and removed the negative mark on our credit and are reporting paid as agreed, never late.
Tammy, I looked up VA law, and the state doesn't seem to require
Tammy, I looked up VA law, and the state doesn't seem to require a license for collection agencies to collect here. Darn. But I am sending the letter anyways, and it has a statement about requesting license info.
It was the original creditor that didn't refund the $195 charge, and after that is removed my balance would be about $100.
Funny thing, last year the rep I spoke with originally tried to offer me a settlement for 70% of the balance (inflated balance). Maybe I should have just accepted it at that time, but I don't want to pay for something I don't have.
Quote:I looked up VA law, and the state doesn't seem to require
Quote:
I looked up VA law, and the state doesn't seem to require a license for collection agencies to collect here. |
Where did you find it? I think license is must. A collection agency can collect in a state where it is not located, but it should be licensed to collect there. You might like to contact your state Consumer Protection Office to know more. Keep us posted.
Yes, I called the Office of Consumer Affairs, the Bureau of Fina
Yes, I called the Office of Consumer Affairs, the Bureau of Financial Institutions and the Corporation Commission. The only thing I could find is that VA requires collection agencies to be registered with the FTC. It was worth a try.
Hello Dana, A debt collection agency does not require any fed
Hello Dana,
A debt collection agency does not require any federal license or registration. But the licensing law varies from state-to-state.
You do need to tell me which state you belong so that I may be able to help you. You do need to write in the validation letter the debt that you are disputing for.
