letter to ca
Date: Fri, 05/25/2007 - 03:28
To Whom It May Concern:
I do not want your business. If you feel the need to force me to do business with you then please provide documentation that makes you entitled to force me to do business with you.(i.e. a written agreement between us). Otherwise return this account to whoever ask you to invite me to pay whatever it is you are collecting.
so far i have received three deletions from my credit report.
If this CA is reporting in your credit and have not validated th
If this CA is reporting in your credit and have not validated the account, use all your legal rights and get them removed from your credit copy, under fdcpa
Section 809 (b)
Good work! I am in a similar process right now myself. Somethi
Good work! I am in a similar process right now myself. Something that I do, when I send a VOD letter, I include a statement in it that, if they either refuse to reply or are unable to validate properly, then they are required by law to remove all references to the account from my three credit files. I then inform them that allowing a report to stay on my file when they cannot or will not validate it is a violation of the fdcpa and I will pursue legal action if that happens. The results you are getting are a perfect example of the problem a CA has in dealing with someone who knows the law. They seem to think that the consumers are ignorant and should remain that way. Look how difficult it is for them to play the game when you know about what they can and cannot legally do...
A question though--how long did you give them to respond before you sent that second letter?
That's why many CAs are still in business, they take it that mos
That's why many CAs are still in business, they take it that most consumers don't know the law, or even that there are statutes of limitations.
i waited about 45 days. i felt that was long enough for them to
i waited about 45 days. i felt that was long enough for them to validate.i even had one company tell me that they didnt have to validate since they sent me a letter six months ago to an address i have never heard of.i then sent them the second letter.
Good work, that is what I love to see, a collection agency being
Good work, that is what I love to see, a collection agency being backed into a corner.
