Midland Credit Management/MCM
Date: Sun, 03/18/2012 - 19:32
I received a Notice of New Account Ownership/Pre-Legal Notification letter from MCM on February 22, 2012. This is the first letter that I had received from them regarding a WebBank account. On the back it had the typical mini-Miranda "This is an attempt to collect a debt, you have 30 days to dispute, blah, blah". So I sent off my DV letter to them on March 2, 2012 CMRR. They received my letter and signed for it on March 5, 2012 according to the green card that I got back in the mail.
According to the letter they had sent me, I had to contact them regarding this account or send $500 and set up payment arrangements by March 31, 2012 to avoid having this account forwarded to an attorney. It is now March 18, 2012 and I still have not received any information from them whatsoever to validate this account. Should I sent out another DV letter CMRR or should I sit and wait to see if they ever send me anything in the mail? I've checked my credit report and nothing is showing on there just yet...I'm just nervous because I got hit with Capital One suing me out of the blue last year.
Thanks!
It will take them awhile to validate if they can.....it has only
It will take them awhile to validate if they can.....it has only been a short time since you sent it in. Until they validate they cannot resume collection activities. No need for another DV.
Wait around for the DV letter to show up but I have an odd feeli
Wait around for the DV letter to show up but I have an odd feeling that the CA is just fishing for money, they don't actually own the debt. I could be mistaken as well.
Ok, so I got an alert today that they (MCM) are now reporting th
Ok, so I got an alert today that they (MCM) are now reporting this account as a finance account to Equifax. I have yet to receive a response to my DV letter. Can they do this? And no, it's currently not listed as disputed.
Advice needed please!
So, I checked my mail today and lo and behold, there was a letter from MCM. It was another notice of pre-legal collection stating that they have not yet heard from me regarding the account. However, I have the green card stating they signed for my DV letter on March 5. This letter is dated March 18. How do I proceed now since they have failed to validate this debt?
Hi Bellabe, Given all that you have shared above, you would b
Hi Bellabe,
Given all that you have shared above, you would be well served by contacting an attorney who specializes in representing consumers when they are experiences violations of the fair debt collections practices act and/or state laws that protect you in the same way.
Most attorneys take these types of cases without a retainer. This means you can consult with the attorney specializing in this area and if they agree to help you, you will have no out of pocket expense. When the attorney successfully resolves the issue their fees are generally paid by the other side.
The additional attempt to collect in writing after they received your written request and the reporting to a CRA after receipt of your written request are both likely actionable.
Best of success to you!
time to sue
midland has been sued in the past,and should be now.they violated the FDCPA in two instances.
1)they reported on your credit after you sent the DV letter.
2)they are still badgering you for money after you sent the letter.
both are considered continued collection activity which is suable by you.look into it as this dirty pile of scuzz will try something unsavory to get you to pay.seen it before.be proactive here.sue them and get 1,000.00 plus the entry removed and their claim dismissed with prejudice.
Mcm
Someone I know was in a class action lawsuit against MCM and MCM lost and has to drop all their actions against these claims Not sure which of the credit card Co they were representing but be very careful when dealing with them and do not send them any money till you know all the facts. This just occurred first week of april 2012 All debt is being erased and they have to pay all the people they defrauded
Notorious MCM
These folks are notorious for not validating a debt. If it is at all possible, hopefully they will become so intolerable, that they will go the way of Mann Bracken...and Mann Bracken has gone out of business.