how is this validation letter?
Date: Fri, 01/25/2008 - 13:00
Quote:
Notice of Demand to Validate Proported Debt XXXXXXXXXXXXXXX XXXXXXXXXXXXXXX XXXXXXXXXXXXXXX RE: Client Account#XXXXXXXXXXX Joesph Mann & Creed 20600 Chagrin Blvd., suite 550 Shaker Heights, Ohio 44122-5340 DEAR COLLECTOR, TOM A TYRITY AND JOSEPH, MANN & CREED: I dispute your claims in their entirety and request validation pursuant to the fdcpa. Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a validation, that is, competent evidence that I have some contractual obligation to pay you. Also, please provide the original creditor's name, address, and date of last activity. Also be aware that it's inconvenient for me to receive phone calls regarding this. Communicate with me only via US Mail at the address above. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I have maintained all records and copies of any correspondence and any phone conversations will be recorded. I am formally disputing the validity of this alleged debt. Please send me validation of this debt in the form of the original written contract, a complete payment history, an itemization of the alleged charges, and a copy of the contractual agreement between yourself and the original creditor that indicates you have the legal right to collect an alleged debt. I am requesting validation under the protections afforded me by the FDCPA, of which I am sure you are familiar. Please comply with my request or issue in writing a statement of withdrawal within thirty days from your receipt of this letter Please be informed, I will pursue all of my legal rights against your firm should you violate any of the FDCPA guidelines. Respectfully yours, XXXXXXXXXXXXXXXXXX |
Guest, if that is all you can say, why bother? Assuming you are
Guest, if that is all you can say, why bother? Assuming you are a different guest!
I think the letter covers all the bases.
Tell them to cease communication period. Drop the part about it being inconvenient! They do not care if you are inconvenienced.
reply
Here is the corrected version..do you think I should also include a letter how collecting internet gambling debst is illegal?
Quote:
DEAR COLLECTOR, TOM A TYRITY AND JOSEPH, MANN & CREED: I dispute your claims in their entirety and request validation pursuant to the fdcpa. Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a validation, that is, competent evidence that I have some contractual obligation to pay you. Also, please provide the original creditor's name, address, and date of last activity. Also be aware that I request you cease all phone calls regarding this matter. Communicate with me only via US Mail at the address above. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I have maintained all records and copies of any correspondence and any phone conversations will be recorded. I am formally disputing the validity of this alleged debt. Please send me validation of this debt in the form of the original written contract, a complete payment history, an itemization of the alleged charges, and a copy of the contractual agreement between yourself and the original creditor that indicates you have the legal right to collect an alleged debt. I am requesting validation under the protections afforded me by the FDCPA, of which I am sure you are familiar. Please comply with my request or issue in writing a statement of withdrawal within thirty days from your receipt of this letter Please be informed, I will pursue all of my legal rights against your firm should you violate any of the FDCPA guidelines. Respectfully yours, |
If they can send you all that you requested (and they won't), it
If they can send you all that you requested (and they won't), it would mean validation.
so
If they cannot send me all that legal validation, then they cannot pursue this debt correct? Also it has not appeared on my credit report, but if they cannot validate they cannot report correct?
Thanks
*bumped* Does anyone know the answer to the question above? If
*bumped*
Does anyone know the answer to the question above? If it is not validated, must it be removed from the credit report?
old post I know they can not collect or report and illegal gambl
old post I know they can not collect or report and illegal gambling debt that was processed on the internet..it must be removed and they can be sued if it is not removed from the credit report if it deals with illegal on-line gambling...the bank or processor who allowed the transaction to go-through is the one who will be held at fault
You guys crack me up. You are the ones who borrowed money from
You guys crack me up. You are the ones who borrowed money from the processor and bounced your payment, yet you can't own up to it. This a perfectly legal debt, and you should pay it instead of trying to cut corners.
It may be a perfectly legal debt, but that does not mean that th
It may be a perfectly legal debt, but that does not mean that the collector is legally entitled to collect it. There are specific procedures in place for debt collectors, and validating the debt is one of them. If a debt collector can prove a debt, and that they have the legal authority to collect it, then, yes, it should be paid. It amazes me the people who will show up and say "pay your debts" like the debtor has no rights at all.
