Debtconsolidationcare.com - the USA consumer forum

Kramer and Frank can you help me jcemt

Date: Tue, 05/27/2008 - 18:32

Submitted by anonymous
on Tue, 05/27/2008 - 18:32

Posts: 202330 Credits: [Donate]

Total Replies: 4


How do i ask this guy a question


First of all, thank you for the validation letter. I had to use it recently when I received a letter from a CA and then pulled my credit reports and found this unknown debt on my credit reports.

Here is my question/problem: I sent the letter to them and what I received back was basically a copy of a computer printout. There was barely any information on this sheet and nothing to really show that I am the owner of this debt other than my name from my first marriage (which by the way I haven't used since I remarried 6 years ago). What I need to know is if there is a good follow-up letter that I should use when responding to this poor excuse for validation? I have done some searching, but haven't really found anything that I would want to use.

I should also mention that my ex-husband's aunt has the same first name as me and once while we were married a bank called thinking I was her, and basically told me that I was about to default on a loan, etc, etc. So I wouldn't doubt that this could be her debt too.

Thank you in advance for any help that you can be to me.


lrhall41

Submitted by on Wed, 06/04/2008 - 07:13

( Posts: | Credits: )


jc,should be able to clarify,but they validated nothing.that is not validation,it isn't even verification.jcemt should be able to advise of next step.


lrhall41

Submitted by paulmergel on Wed, 06/04/2008 - 07:19

( Posts: 15514 | Credits: )


I would send them a letter something to the effect of this:

To: Whom it may concern (or enter the name of the agent that is handling your case)

Re: Validation of debt regarding case/file/account#: XXXXXX

On XX/XX/200X I submitted a written request for validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) regarding the aforementioned account.

The letter contained specefic items required to constitute the validation of that debt which have yet to be fulfilled as proper validation has yet to be produced. Please be mindful of the previous quoted subsection of the fdcpa in that collection activity must cease until validation is provided. Based on your previous letter I still require the following:

(utilize the list of items provided in the previous validation letter minus any items they have already provided)

Regards

-Your name-

Sorry for the poor grammar as I am still half asleep, long night last night.


lrhall41

Submitted by JCEMT on Wed, 06/04/2008 - 08:52

( Posts: 2934 | Credits: )