Messerli and Kramer
Date: Thu, 02/18/2010 - 08:45
The received my letter on the 5th. On February 9th, I got a letter stating that this was their Final Notice. The letter was dated for February 5th. Well, just recently, I got another letter saying that they have the validation I requested.
It shows:
AMOUNT OF DEBT: Principal Balance - $2022.00, Interest $253.34
NAME OF CREDITOR: Capital One Bank (USA), NA
NAME OF ORIGINAL CREDITOR: Capital One
ADDRESS OF ORIGINAL CREDITOR: PO Box 85015, Richmond, VA 23285
ORIGINAL ACCOUNT NUMBER: 4xxxxxxxxxxxxxxx
DATE ACCOUNT WAS OPENED: August 4, 2003
DATE OF CHARGE OFF: July 28, 2009
And there is a two page document stapled to it that looks like the loan agreement, but there are no signatures or anything indicating to anyone just looking at it that I have personally agreed to signed off to that particular loan agreement. It's hardly legible. So, I don't feel the debt has been properly verified.
Is there anything else I can do?
Do you owe the debt to Capital One? Messerli and Kramer are a v
Do you owe the debt to Capital One? Messerli and Kramer are a very agressive law firm in Minnepolis that do sue on behalf of capital one.
I do owe the debt. I don't agree with the calculated amount. I a
I do owe the debt. I don't agree with the calculated amount. I also was wondering if they were in violation with sending me that letter dated the 5th when the received my request for validation on the 5th. I'll try and settle with them for sure, but I want to be sure that is the correct amount.
I would say there was no violation. Messerli and Kramer print
I would say there was no violation. Messerli and Kramer print their letters for the following day over night and are at the post office before your letter even arrived. (I know one of the techs there) This is pretty common...alot of businesses outsource their letters to businesses so the request goes in the day before.
I save all the envelopes. The date it was post-marked for Februa
I save all the envelopes. The date it was post-marked for February 9th.
It goes by the date of the letter. It could have been delivered
It goes by the date of the letter. It could have been delivered to the post office or picked up by the courier at an earlier date. They are a large firm with volumes of mail going out. Like the agency I worked for , a courier picked up and delivered our mail.
Have you ever just considered paying your bill? Seems like a was
Have you ever just considered paying your bill? Seems like a waste of time to me to keep building up interest on the account just to dispute and request validation on an account you know is yours?
But that's just my opinion
TJC - We advocate paying bills, however if you had read the post
TJC - We advocate paying bills, however if you had read the post you would see the OP DISAGREES with what they say is owed and just wants to make sure they are collecting the correct amount. This is a right! How would you like to owe someone 300 bucks and them come back and tell you, "No, I have decided you owe me 800 bucks." Don't think it would fly with you either.
