Pentagroup Financial contacting me after DV letter

Date: Tue, 11/20/2012 - 09:48

Submitted by tiger09
on Tue, 11/20/2012 - 09:48

Posts: 12 Credits: [Donate]

Total Replies: 4

Pentagroup Financial contacted me at the beginning of the month regarding an alleged debt I owe. I didn't accept or deny responsibility for the debt, but I did tell them to send a letter to my mailing address so I could look into it. They sent the letter, saying I owe "CACH, LLC" (who I have no idea who that is), so I sent them the DV letter requesting more information, saying that I dispute the debt and request validation. The letter also stated that they were to only contact me via written communication going forward and not to call me - I want everything in writing.

I sent it CMRRR and checked the USPS website today; the letter was delivered yesterday. This morning, someone from their office called me and left a voice message stating he was calling regarding my "personal file" with them and it was important that I call him back today.

Can they call me after I specifically said don't call? Do I call back? What's the best way to go here? I don't want to talk to them over the phone because I want everything in writing, but I don't want to get sued either.

As per the FDCPA, they cannot contact you in any other way once

As per the FDCPA, they cannot contact you in any other way once you have explicitly asked them not to. You could get in touch with a NACA attorney for a consultation.

lrhall41

Submitted by Steve Barris on Tue, 11/20/2012 - 21:02

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Thank you, Steve. Any idea how much that consultation would cos

Thank you, Steve. Any idea how much that consultation would cost me?

lrhall41

Submitted by tiger09 on Mon, 11/26/2012 - 16:08

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Steve....have you ever bothered to READ THE FDCPA?????? I would

Steve....have you ever bothered to READ THE FDCPA?????? I would suggest BEFORE you continue answering questions, you read it and understand it. A message was left...there is NO violation that needs an attorney...yet.

?? 805. Communication in connection with debt collection [15 USC 1692c]
(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except???
(1) to advise the consumer that the debt collector???s further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Until the poster actually gets on the phone with CA and dunning occurs, there is no violation.

lrhall41

Submitted by SOAPLADY on Mon, 11/26/2012 - 20:08

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Thank you for your input, Soaplady. Dunning has already occurre

Thank you for your input, Soaplady. Dunning has already occurred and I sent a DV letter in response. They called again today and I picked up this time (didn't recognize the phone number), and I was offered a PFD settlement if I pay $700 on this $1300 account. The guy I spoke to said what they already sent me (the dunning letter) is what they have, and that "his client" (eg the OC) wants to sue me, but is willing to settle. I told him I would investigate the debt and look at my finances, and then get back to him.

What do I do now?

lrhall41

Submitted by tiger09 on Tue, 11/27/2012 - 17:01

( Posts: 12 | Credits: )