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I have an old debt, in March got sold to Midland Credit

Date: Sat, 09/02/2006 - 18:16

Submitted by anonymous
on Sat, 09/02/2006 - 18:16

Posts: 202330 Credits: [Donate]

Total Replies: 9


I have an old debt, in March got sold to Midland Credit- I asked for validation- with some letter back asking ME to send all info I have on the debt (I did NOT send anything). THey did not validate the debt- and now continue to ask for money, and are still listed as a negative on my credit-

Here's the catch, I can't find the reciept for the certifited letter I sent (I know how important this is and have no idea how i lost it)..But I am going to try to send this letter to them and see if I can get them off my back

Does it sound OK- is there anything I should add or take away?


Quote:
To Whom It May Concern:

This letter is being sent to you in response to a recent request for payment to your company. In early March (3/21/06), I sent certified letter, (which your company signed that they received) in which I asked for VALIDATION of my debt. You company failed to provide me with validation.

Please note that your company did not validate the debt, the debt is out the SOL and I am no longer legally responsible for that debt. Please note that any further attempts to collect will violate the fdcpa.

I am again requesting that you remove the invalidated information for all of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion), as it constitutes fraud under both Federal and State Laws. If any negative mark is continued to be found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

• Violation of the Fair Credit Reporting Act
• Violation of the Fair Debt Collection Practices Act
• Defamation of Character

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.


There it is, Thank you in advance for any info regarding this matter--
Krista


I never took anyting- The debt isn't actually mine- My credit card was stolen by a roommate- I filed a police report and filed with the credit card company (who told me there was NOTHING I could do). In fact, the court orded my old roommate to pay me (the balance due)-- however, that person filed bankrupt, listing me as a someone he owed- so I never got the money- This debt is NOT mine- the court ackowledged that- but citybank wouldn't. FYI I tried to settle with them for a lesser amount, they refused to settle-


lrhall41

Submitted by on Mon, 09/04/2006 - 04:07

( Posts: | Credits: )


OK, the card was stolen and you went through the process of getting it reported Lost/Stolen right? So if you kept that police report it should be almost a walk in the park to get it removed from your credit report which you should have done when you first noticed the negative remark onto your credit report.

Citi Bank has an entire department who deals with this type of stuff on a daily basis. What you need to do it call them again and speak with someone who actualy knows what they are doing because it sounds like you spoke with a CS flunkie.


lrhall41

Submitted by FYI on Mon, 09/04/2006 - 05:17

( Posts: 1950 | Credits: )


I did everything that citybank told me to do- I tried and tried- they eventually turned to something like a "charge off" on my credit- for years (like 4 years)--- then recently it was sold to Midland-

Also, I can't find my original paperwork- I have lived in 4 different states in the past 6 years and have non-stop medical issues- this was the last thing on my mind to be concerned with- until march with Midland notifed me of the debt-

Trust me I would do anything to take care of this- I had my 2nd brain surgury in Feb--- I need to take care of myself not this old debt from a loser who stole from me...


lrhall41

Submitted by on Mon, 09/04/2006 - 17:05

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