UnionDiva,
Here is where I'm a little confused.
There must be some difference in the way to handle a paid collection as opposed to one that is not paid. The letter sent by Love seems to be for an unpaid account.
According to the prevailing wind on this board there is no difference in the way to request val. from a paid collection as opposed to one that has not been paid. There HAS to be a difference.
Some have said use the nutcase series. But I don't want to act like a nutcase and hope for the best. I want to be right and win my case.
See:
http://consumers.creditnet.com/strai...oll#post184630
My question is; what keeps the CA from asserting that "it's obvious you owed the debt because you paid it". We have a paid account, which I would love to figure out how to approach to run them through the Val. Process. As soon as we got a collection notice I promptly called them and paid from my CC. (before Creditnet). They had not yet reported to the CRA. The girl promised they would not report it if I paid immediately, which I did. 1 month later they did report.
Love, you said: "This is a request for a validation: competent evidence that I have some contractual obligation to pay you,"
But you already admitted it's a paid account.
Also, according to your letter you want the CA to stop collection activity. How is there collection activity on a PAID account?
Please Advise,