National Action Financial Services â€“ has anyone dealt with them?
Date: Sat, 02/14/2009 14:42
I am helping my neighbor out with National Action Financial Services. Before he had a different company, N/R/A trying to collect on an old debt from him. The debt is at least 10 years old since hr made a payment and the SOL in our state is 6 years. N/R/A had it on his credit report and Trans-Union deleted it but Experian verified it and Equifax we are waiting for an answer. I called N/R/A and they had no information so I bitched them out for verifying an account with the credit reports when they have nothing in the office. I told them if they verify the debt again, they will b liable for FDCPA and FCRA violations.
Now he gets the letter from National Action Financial Services Inc.. It says who the original creditor is, Mobil and is for $75. They have the 30 day dispute on the letter but says and I quote:
"Your account is seriously past due and must be paid in full or we will proceed with appropriate collection activity."
I plan on calling them and see what that means, play a scared person role,lol. They have not been on his credit report yet and by law, they can't the debt is older than 7.6 years and is beyond the credit reporting period. I also see that this company has many lawsuits against them and I would like to help my neighbor add to that.
What is the best possible thing to do at this point? Should I send a debt validation letter OR would you just send a Cease and Desist letter stating the SOL has expired and that the credit reporting period has expired? What would you do?
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