? no response to validation letter

Is this for a PDL collections agency?

yes , they are collecting from internet pdls.

I havent received any usps mail from either collection company nor internet pdls, I have not recieved any emails, I just get those BS calls at work about downloadings (LOL!) and such... so.. I have filed complaints with NC & FL AG, and the whole shebang..
So I just wonder after 30 days.. what more can be done? Can I legally be null and void to them or face amusingly more downloading calls?? LOL!!!!

There is a great DV follow up letter on the do it yourself section up above here....

Ok I will check that out.. thanks!

it is such a Monday..
arrg.

thanks volley! :wink:

Didn't I read somewhere they have to validate within 30 days or they can not collect on it?? Of course that assumes they are functioning legal.

oh wouldnt that be great. we all know they are not legal ...
Ok maybe I am blind as a bat, but where is the sample letters ? I am lost.. again. :oops:

Lorim-Cannr sent a CA a DV letter, they never validated and then they just removed it from her credit. Definitely follow up and then send your DV notices to the bureaus too if they dont validate after the second time.

Morning-I have heard both sides on that....good point. I dont think its in the fdcpa that they have to validate in 30 days or null and void, but I honestly am not sure how much time they really have...? I wish it was that way :P

The DIY is in the line where it says forums/blog/debt wiki/etc. right at the top of this page....

New Debt Samaritans on the JOB!!!! :D

And another one saying congratulations
I also heard that if a debt is not able to be validated it is deemed null and void

If its not able to be validated, then yes null and void....but I think the question here is does the CA have to validate in 30 days.

M-O-O-N. that spells DUH...

thanks .. if it were a snake it would have bit me for sure... :roll:

I don't think those losers are going to hit my credit report. I do seriously doubt that. *knock on wood*

I did mention to Jackson in my validation letter, how I reported them and their illegal tactics,their false representation of attys ,and though I knew the collectors names were phoney, I still told them I named them indvidually out in the complaint to the NC & Fl ags and to the FTC.

so I figure,am letting them know that I know they are illegal and their fly by night operations are not flying on me.
so.... but I still want that "validation" in the event I need it.

Yea lorim...it would be great to have something from them if they are going to PIF the debt or whatever....

Now heres a chance to turn the tables...harass the heck out of them!!!

They didn't respond because they can't validate it, simple as that. They are trying to collect on an illegal debt.

I would send the second DV and then sue their butts off in court if they don't respond. Do they have an entry on your credit report?

Mmm great point Jen. If they have an entry without validating....thats a no no!

It sure is, and you can be paid $1,000 per violation if you sue them in Court. I know of someone who was able to sue Arrow Financial (a real scummy CA) and win about $15,000 due to all their violations on his report.

well as far as I can tell no they havent reported to the credit bureaus. I don't think they can. They are as illegal as the sky is blue.

I just think it is too funny, that can call my work and harass me they way they do, and not send me a letter nor an email or anything showing I even owe these internet PDLs $$$, I have one (1) thing sent through email , and it wasnt even a contract, just something stating amount, due date, finance charge. I have not a contract, or anything. Yea I owe for 2 but got 3 somehow, and no paper trail or recourse to even go by.. the PDL's never even contacted me phone-email-usps mail when their loans were defaulted...and when I tried to figure out who I even owed with the aka's and dba's-- I found this site, and found out it was illegal in NC for pdls in the first place...

sooooo .....................
I was just denied credit so I can get my free credit report... I will be looking at it and keeping my eyes on it..........

thanks guys!!!!!!!!!!!!
I am going to find that follow DV and have it ready!! :twisted:

go get em!! :twisted:

well I pulled my credit report. and nope nothing. I did see something that I question the SOL on .. in NC promissory notes have a SOL of 5 years. The 1st date of deliquency was 9/2001 which is about right.. the date of assigned was 4/06, the date reported was 8/07. date of last activity - says -"unknown"

but here is what I know I dont understand , equifax states all collections, are on for 7 yrs...

what do you think ? I am going to post this in collections too.. but thought you guys might know.

A unsatisfactory mark can stay on ur report for 7 years from first day of deliquency. SOL has to do with them actually being able to win a judgement against u. CA's can still collect on and report a debt that is out of SOL.
Hope this helps,
Ang

thanks, do you think I can get it dropped from the credit report though by disputing the SOL of it?

U can try to dispute it and see what happens. Also i'd send them a dv letter and they must stop all collection activity until it is indeed validated. Make sure to send it return reciept, which i'm sure u already know!
Good Luck,
Ang

I am going to dispute it. I was under the impression if I send money, or even a DV or correspond with the CA, it could restart the SOL.

Oh just so u understand: If u send money it does indeed start the SOL again!! Some states even if u admit to owing the debt can restart SOL! A DV letter will not, or should not re-start it.
Now i'm wondering about it. I dont' wanna give u the wrong information!! I never thought a dv letter would re-start SOL cuz ur asking them to prove they own this debt!
I'll ask and let u know soon,
Ang

cool thanks! I do not want to re-up this debt .. LOL no way... :wink:

Don't blame u at ALL!
I'll get back to ya on the dv letter. The more I think about it, i dont' think it re-starts but let me make sure!
:D
ANg

lori, don't assume these collectors that are trying to collect on an illegal debt will not hit your credit report. I thought the same thing. Guess what. One was there. Collecting for an illegal overpaid refunded pdl. On my credit report! Please don't think that because the debt is illegal that they won't hit your report. I am living proof that - yes, they can.

I agree Cannr, that is why I went ahead and pulled my report, but it isnt there, so far so good.
but I did have a check n go on there from years ago (less than 7 yrs) and it is finally off after yr or so disputing it, but I have noticed what gets taken off of one, sometimes gets put on another, for example, what gets taken off of Experian will end up on Trans... or Equifax.. have you or anyone seen that kind of pattern?

Yes, unfortunately. One report will have something on it, the others won't. It's really kind of weird. I'm like "whatever". I just tried to take care of all 3. They all don't "match". It's good you pulled your reports. I'd give it some time & pull it again. No telling what these illegal idiots will do months from now!

OK well I got a letter in the mail from Accounts Receivable Management of Florida....

AND

a copy of the " Short-Term Consumer-Loan Note and Disclosure Statement"

you know what caught my eye first? ( amongst other things) the 497.73% apr on this "loan". It is from G R Enterprises ( never heard of them) and it has my name, bank info, and it is signed :"Signed Electronically" (now that isnt my name now is it?)

LOL!
and the letter says " blah blah blah......(the usual) then says you have 30 days to dispute the validity of this debt...blah blah blah"

I thought you morons.. did I not just send this to you in the first place?

so.. I guess I should just copy off another letter (actually the same one I originally sent) and send it off AGAIN...
we can play "let validate this debt" forever at this rate.

LOL! :lol:

I still havent heard from my buddies at Jackson Phillips.. *knock on wood*.