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I received a letter from Arrow Financial Service about a debt. I sent a DV letter and they responded with another letter saying they received my request and per the fdcpa they must mail verification before they take any further steps to collect. Then: If we choose to engage in further collection activity, we will first mail to you verification of this debt. Does this mean they can't validate or what? Has anyone else received anything like this. I never did receive any phone calls from Arrow (thank goodness). They also stamped the green card with "Lock Box Services, JP Morgan Chase", no signature.

This is the second CA to have this debt (which I believe is not mine). Thanks!




Sounds like they can't validate, and they know it.

Sub: #1 posted on Sun, 03/16/2008 - 11:36

unclewulf unclewulf
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"...we will first mail to you verification of this debt."

Respond back to this letter that you are requesting VALIDATION not Verification that they indicated.

Sub: #2 posted on Sun, 03/16/2008 - 15:57

Unregistered


I would put that letter someplace safe. It sounds like they can't validate, or are simply buying time till they can.

I would leave it well enough alone for now, see what, if anything, they do.

Is this on your credit report? If it is then it is a whole different situation, because you don't want it just hanging there. In that case I would press them by disputing the accounts on the reports, that way if they verify, they have just committed a violation.

Sub: #3 posted on Mon, 03/17/2008 - 08:45

goldenbast goldenbast
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Cellular makes a great point--too many CA's try to interchange verification with validation. Verification means nothing more than checking your name and address. If they send you anything else on this debt, let us know and we can help you go through their "validation". Often, these companies send something that is absolutely worthless and call it proper validation.

Sub: #4 posted on Mon, 03/17/2008 - 09:54

skydivr7673 skydivr7673
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Well after receiving the last letter from Arrow on 03/12 stating:"...if we choose to engage in further collection activity, we will first mail to you at the above-address verification of this debt", they've started calling me again about the same debt. I told them I sent a validation letter in March which they received (have green card). They told me it didn't say they couldn't call me, was just asking for validation (which they never provided). Of course I did put on the letter that they were not to contact me except by mail. They claim that there was nothing on the letter about that. Sorry there was. I have a copy of the letter I sent them.

So I guess I need to send another validation letter? Where can I report them for breaking the fdcpa? What's the deal with this company? Did they think I was going to fall for this? :x
I thought they couldn't continue to collect if they haven't provided validation?

Last paragraph of my DV letter: "Per the FDCPA, I do not want to be called at home and all the necessary communications should be done via US mail. I was advised that not validating the debt and still continuing to collect on the debt is a violation of the FDCPA law under Section 809."

What's not to see?

Sorry, I'm just tired of this crap.

Thanks!

Sub: #5 posted on Thu, 08/21/2008 - 11:33

scooter scooter

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I don't blame you Scooter, I am dealing with Arrow right now, it's a long longggggggg story, but they have even admitted in court documents they do not have any documentation regarding this debt, then they went on to say; the defendant (me) has the documentation supporting this claim. lolol! They're dumber than rocks, pleaseeeeeeeeee go after them!!!

Sub: #6 posted on Thu, 08/21/2008 - 11:40

Shazzers Shazzers
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I hope Scooter does not have to go through all the crap you have been through Shazz. I think in your case Scooter it would be best if you collect up a bunch of fdcpa violations and FCRA violations and make the first move by filing a suit against them otherwise the might do to you what they have done to Shazz starting with improper service and a vacated judgment after a lot of work on her part.

Sub: #7 posted on Thu, 08/21/2008 - 12:37

DOLLARSandSINCE DOLLARSandSINCE
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Unfortunately there are no fdcpa cops to report them to. You can file complaints with the FTC, BBB, your and their states AG's and the ACA. If they have not validated the debt and your DV was timely, then further collection activity is a violation. Send a 2nd DV along with a copy of the first and the green return receipt.

Sub: #8 posted on Thu, 08/21/2008 - 12:40

NASCAR_Devil NASCAR_Devil
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[quote]Well after receiving the last letter from Arrow on 03/12 stating:"...if we choose to engage in further collection activity, we will first mail to you at the above-address verification of this debt", they've started calling me again about the same debt. I told them I sent a validation letter in March which they received (have green card). They told me it didn't say they couldn't call me, was just asking for validation (which they never provided). Of course I did put on the letter that they were not to contact me except by mail. They claim that there was nothing on the letter about that. Sorry there was. I have a copy of the letter I sent them. [/quote]

here's exactly what you tell them the very next time they call you and say "it didnt say we couldnt call you, you only asked for validation":



It doesnt matter if you said it or not, the fdcpa clearly states that they must "cease collection of the debt until they obtain verification of the debt from the original creditor and provide said documentation to you". In fact, they know it point blank--this is a quote that you posted earlier, it was actually contained in their written response to your DV request:

[quote]I received a letter from Arrow Financial Service about a debt. I sent a DV letter and they responded with another letter saying they received my request and per the FDCPA they must mail verification before they take any further steps to collect. Then: If we choose to engage in further collection activity, we will first mail to you verification of this debt.[/quote]

They are simply full of it, they know it, and you know it too now. What state do you live in?? If youre in a one-party recording state this would make slam-dunk irrefutable evidence for a FDCPA violation lawsuit....

Sub: #9 posted on Thu, 08/21/2008 - 12:46

skydivr7673 skydivr7673
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