Portfolio Recovery Ass. Validation of debt
Date: Wed, 06/24/2009 - 06:13
I sent Portfolio Recovery Associates a certified letter requesting Validation of debt. Can anyone please tell me how to handle this. The SOL was up 4/11/09. This is what I received:
Dear ***
Re: Verification Information Concerning PRA acc. 123456789
MBNA America Bank 987654321
The following information is being provided in response to your communication concerning account reference above. Account number 123456789 and its proceeds were sold, assigned and transferred by the Seller to Portfolio Rec. on 11/14/2006. At the time of the sale, the Seller provided an electronic file of its business records concerning this account. According to the Seller’s records, there was due and payable from Jane Doe to the Seller in the sum of $30531.31 with respect to the account as of 11/14/2006, there being no know un=credited payments, counterclaims, or offsets against this account at the date of its sale.
Here is a summary of additional information listed in the electronic file for this account:
Account holder’s name provided by seller: Jane Doe
Account holder’s last 4 digits of SSN: ****
Date Account opened provided by Seller: Jan. 4, 1994
Balance at date PRA purchase: $30531.31
Interest accrued since the date of purchase or last payment to PRA: $7821.03
Cost and other fees: $0
*Total Balance Due as of this Letter $38352.34
Please contact us if you would like to receive a payment history of payments that have posted to this account since our company purchased this account.
Contact information
If you wish to dispute this account, please send written documentation describing the nature of your dispute and any information or materials that may be helpful to our investigation so this dispute may be investigated in a timely manner. Please send all documentation related to disputes to the following address:
Dear ***
Re: Verification Information Concerning PRA acc. 123456789
MBNA America Bank 987654321
The following information is being provided in response to your communication concerning account reference above. Account number 123456789 and its proceeds were sold, assigned and transferred by the Seller to Portfolio Rec. on 11/14/2006. At the time of the sale, the Seller provided an electronic file of its business records concerning this account. According to the Seller’s records, there was due and payable from Jane Doe to the Seller in the sum of $30531.31 with respect to the account as of 11/14/2006, there being no know un=credited payments, counterclaims, or offsets against this account at the date of its sale.
Here is a summary of additional information listed in the electronic file for this account:
Account holder’s name provided by seller: Jane Doe
Account holder’s last 4 digits of SSN: ****
Date Account opened provided by Seller: Jan. 4, 1994
Balance at date PRA purchase: $30531.31
Interest accrued since the date of purchase or last payment to PRA: $7821.03
Cost and other fees: $0
*Total Balance Due as of this Letter $38352.34
Please contact us if you would like to receive a payment history of payments that have posted to this account since our company purchased this account.
Contact information
If you wish to dispute this account, please send written documentation describing the nature of your dispute and any information or materials that may be helpful to our investigation so this dispute may be investigated in a timely manner. Please send all documentation related to disputes to the following address:
They have to send you documents that come from the ORIGINAL cred
They have to send you documents that come from the ORIGINAL creditor not from their files. Send them another letter requesting that they provide you with the legally required information.
