Next step to take when they don't validate
Date: Thu, 05/06/2010 - 18:04
Hello. Hopefully someone can help me figure out what to do next. I'll try to make this short. Stopped paying on a WAMU acct in March 2009 about the time Chase took over. Could not get the acct settled so it charged off. Received correspondence from Riexinger & Assoc. saying they represented Riverwalk Holdings , blah blah blah.
I have sent 2 dv letters to Riverwalk Holdings - also sent copies to Riexinger & Associates. I just received a ltr from Riverwalk which enclosed what looks like a photocopy of a Chase statement ("This statement is a facsimile - not an original") - has my name, an account no., balance, etc. That is all they sent me and I am wondering if this is considered validation? I do not dispute the account; however, I do dispute the amount they say is owed (which of course does not match the amount on the statement they sent me) and I also want proof that they are entitled to collect on this debt.
I would ask for the original contract since it seems highly unlikely they could provide that because the account was originally with Providian (I never paid anything on the account when Chase took it over from WAMU) - but this would simply be a stall tactic and I don't know if I should do that.
Do I send another certified ltr asking at least for proof they can collect on this and for an accounting on how they got the amount they say is owed? I guess the real question is are they required to provide both of those things as part of validation or are those things I would just have to ask for if and when I get sued?
Thanks for any advice you can give me!!
I have sent 2 dv letters to Riverwalk Holdings - also sent copies to Riexinger & Associates. I just received a ltr from Riverwalk which enclosed what looks like a photocopy of a Chase statement ("This statement is a facsimile - not an original") - has my name, an account no., balance, etc. That is all they sent me and I am wondering if this is considered validation? I do not dispute the account; however, I do dispute the amount they say is owed (which of course does not match the amount on the statement they sent me) and I also want proof that they are entitled to collect on this debt.
I would ask for the original contract since it seems highly unlikely they could provide that because the account was originally with Providian (I never paid anything on the account when Chase took it over from WAMU) - but this would simply be a stall tactic and I don't know if I should do that.
Do I send another certified ltr asking at least for proof they can collect on this and for an accounting on how they got the amount they say is owed? I guess the real question is are they required to provide both of those things as part of validation or are those things I would just have to ask for if and when I get sued?
Thanks for any advice you can give me!!
The account statement is definitely not sufficient as validation
The account statement is definitely not sufficient as validation.
You may check out the following to know your next course of action.
http://www.debtconsolidationcare.com/validation.html
