Tate & Kirlin
Date: Tue, 02/03/2009 - 14:50
I received a letter from Tate & Kirlin Associates today stating that I owed some company named Punhill I LLC a total of $2963.45 and the original creditor was DHC LLC. I haven't dealt with any of these companies. When I called them they said that it was possibly from a Washington Mutual account that I had. I did not offer that I have in the past had a Washington Mutual account; I only stated that I had never heard of Punhill or DHC. I've had several accounts (many years ago and since paid) with Washington Mutual. Nowhere on my credit report do I show anything in collections from either of these agencies.
I stated to them that I do not believe this to be a valid debt and that I needed documents pulled and sent to me within 30 days. I also advised them that these documents should show the original loan documents with my signature and should also state that Tate & Kirlin, Punhill, and/or DHC have been authorized to collect for Washington Mutual.
Not once did they ever state the required "this is an attempt to collect a debt. Any information will be used for that purpose, ...etc" while I was speaking to them about this account.
It took me 3 tries to even speak with anyone. The first attempt, their phone disconnected before I could even say what I was calling about. The second time, someone picked up the phone and I could hear a bunch of hollaring and arguing in the background. I kept hollaring "hello?!?" Finally, someone answered. I told them what I was calling about and they said, "ok, please hold" and then I was disconnected again. Third time is a charm and I finally got a complete conversation with someone.
I recorded the conversation on my phone and intend to keep that for evidence should anything arise.
I smell a rat.
I stated to them that I do not believe this to be a valid debt and that I needed documents pulled and sent to me within 30 days. I also advised them that these documents should show the original loan documents with my signature and should also state that Tate & Kirlin, Punhill, and/or DHC have been authorized to collect for Washington Mutual.
Not once did they ever state the required "this is an attempt to collect a debt. Any information will be used for that purpose, ...etc" while I was speaking to them about this account.
It took me 3 tries to even speak with anyone. The first attempt, their phone disconnected before I could even say what I was calling about. The second time, someone picked up the phone and I could hear a bunch of hollaring and arguing in the background. I kept hollaring "hello?!?" Finally, someone answered. I told them what I was calling about and they said, "ok, please hold" and then I was disconnected again. Third time is a charm and I finally got a complete conversation with someone.
I recorded the conversation on my phone and intend to keep that for evidence should anything arise.
I smell a rat.
Respond to their dunning letter with a DV. Send it CMRRR. If y
Respond to their dunning letter with a DV. Send it CMRRR. If your DV is recived by them w/in the 30 days of receipt, then they must cease collection efforts until validation is provided.
