Debtconsolidationcare.com - the USA consumer forum

Forums
  • Latest topic

An intimidating call from the CA.

Date: Thu, 05/10/2007 - 13:12

Submitted by Frogpatch
on Thu, 05/10/2007 - 13:12

Posts: 5381 Credits: [Donate]

Total Replies: 9


I just received a call from an Andrea from National Service Bureau collecting for Magnum Cash Advance. She was very pleasant but still tried to be intimidating. I asked for her address and she asked me why. I told her I needed to have this validated and she said that they had already sent a validation back in April. I said I never saw it and never asked for it and she said the fact that it was delivered by the post office was all the proof they need. I asked if it was certified and she said it did not have to be. The fact that it wasn't returned by the post office was all the proof that they need. I said well, I need proof that this debt is valid. I also need to know how much the original loan was and what I have already paid. She says to me "you really want to go into collections don't you. I am sure your credit rating is bad enough. What is your position at work?" I said that was not her business. She said I will have to call and get your hire date and salary. I said that is confidential. She said "not always." The whole time she maintained a pleasant demeanor. My favorite was when she said that she was not new at this and very familiar with th FDCA.
Has anyone ever dealt with these people? Can they send a validation by regular mail before you ask for it and claim you got it when you didn't. This was out of left field about a half an hour ago.


There are no points for posting in the Pub. This topic best suits in the collection agency forum. Don't know why you posted it here?

Call that lady again and get your address verified by her. You will know if she is lying about sending you a letter. Tell her that you are not sure of their company if they are authorized to collect for Magnum Cash Advance. Therefore you need to see something in writing before any payment is done. They should have no problems in validating the debt again if they really have your file. I will be suspicious if they are not ready to send the info.


lrhall41

Submitted by Trenity on Thu, 05/10/2007 - 13:24

( Posts: 505 | Credits: )


She did verify my address but mine is one a several hundred mail boxes in a block for everyone in my complex. I don't get some of my mail and I get some other peoples. Without a delivery confirmation how can she prove I got it and the required info wasn't in it anyway.


lrhall41

Submitted by Frogpatch on Thu, 05/10/2007 - 13:57

( Posts: 5381 | Credits: )


I think the only way she really can verify that you got it was if it was sent certified mail, signature required. Otherwise, you could always say that maybe someone else grabbed your mail and didn't give it to you, etc. Also, how does she know it wasn't lost by the post office, right?
I don't think that's a great argument and would push for a validation letter sent by her.


lrhall41

Submitted by kscornell on Thu, 05/10/2007 - 18:15

( Posts: 4407 | Credits: )