Help!! Need advice...
They aren't licensed to loan to Ohio residents, all you owe them
They aren't licensed to loan to Ohio residents, all you owe them is the principal amount you borrowed, deduct what you have already paid them from the $200.00, send them payments with money orders through USPS only, certified return receipt mail. Inform them this is what you have decided to do, and you will need a physical address to send payments, no address, no payments. :D
Whoa, hold on a minute, that letters sounds like a debt collecto
Whoa, hold on a minute, that letters sounds like a debt collector? Ahhhhhhhhh, send them a validation letter, via email and USPS certified return receipt! What the heck is their deal anyway???!!! Is this in house collections or what? :o
Quote:*You must notify this office within 30 days after receivin
Quote:
*You must notify this office within 30 days after receiving the first notice if you dispute the validity of the debt or any portion thereof or the office will assume the debt is valid. This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.*" |
Wahoooo!! They claim to be debt collectors! :shock: Definitely send them a validation letter, make them validate the debt and prove how they computed the interest !!
Okay... remember I'm clueless :wink: what should the letter say
Okay... remember I'm clueless :wink: what should the letter say?
Basically, what this is, is a dispute in response to the email t
Basically, what this is, is a dispute in response to the email they sent to you, they are the ones that included the little paragraph about "This communication is from a debt collector", sooooooooo, how else can a person take it other than what they have said? My point here is, if they care to indentify them self as a "Debt Collector", then I would treat them as one. What baffles me is the fact that they are using the same address as the Original Creditor (Impact Cash), so they kinda asked for this. :D Anyway, this is how I would handle it, it seems they're playing some games with you, trying to get more than they are entitled to receiving. :wink:
Quote:
Your name Your address Collection Agency Name Collection Agency Address Date: Re: Account No: Dear Sir/Madam, This is your notice that your claim is disputed. In accordance with the fdcpa, I have the right to request for a validation of my debt. This is asking for proof regarding this and verifying the same. You must be aware that reporting such inaccurate information will result in defamation of character and it would leave a dark patch on my credit report. You are supposed to stop all collection activities including reporting this information on my credit report. I?m sure you are aware of the fact that non-compliance with this request will lead you to legal trouble. Please attach copies of the following with the reply: 1. The agreement which authorizes the creditor to collect debt on the alleged debt. 2. The signed agreement from the debtor conforming to pay the creditor 3. The documents regarding the payments made on this account validating the amount. With regards, Your signature Your name |