The letter I mailed Midland on June 30th, CMRRR, still have not gotten the return receipt back and when I look up the number on USPS, the only detail it shows is my mailing it at the post office. Midland HAS stopped calling. Does this mean I am just supposed to assume they received the letter? What is the point of sending it RRR if they don't have to sign for it? I didn't realize you could NOT sign and still get the letter, and I again, would ASSUME that if they had not taken possession of the letter, it would have come back to me. Kind of messing up my paper trail thing...........
Call your local postmaster and have them start an inquiry.the building has to be on a regular route,maybe the mailman lost it
Some CAs are known for not picking up/signing for CMRRR mail items. They know that some of that mail involves legal issues. Eventually the PO will return that piece of mail to you with the comment "refused" or something like that. As consumers become more educated about their rights vis a vis collection agencies, these agencies resort to all kinds of dirty tricks to avoid observing the laws.
So the answer is to just keep sending them letters, or sit and wait for them to send something to us as to their next intention? All the while, they just camp out on our credit report. If they don't accept the letters, then if you go to court, how do you produce the all important paper trail?
Here's a wild answer send them a telegram requesting the information,might work i don't know if the court would accept it or if it would even work.Just something i was wondering about this anyone have any thought's on this?
You keep every letter that you get back stamped "rejected." That becomes your paper trail--proof that they were sent letters and didn't accept them. I'd leave them sealed. They can be opened in court or in front of witnesses if necessary.
Sounds reasonable. I have one more question and then I promise to stop Do I send anything else at this point in time or do I need to just wait and see what/if they send us anything? What would be the proper amount of time to give them to respond? (ok, 2-questions) We aren't going to be needing to acquire a loan anytime in the near future, or even distant future that I can think of, but I don't want to just allow them to sit on our credit report forever, either. Our FICO had climbed to 700 and then Midland, along with 2 credit inquiries for 2 new credit cards (which we were approved for) lowered the score back to 675 (experian). As I stated in the other thread, the OC for the Midland account is due to fall off in November of this year.
Thank's hedwick i learn something new everyday,thank's for all your post's they are really helpful for me and other lee informed.
If the OC account is due to fall off this year, the Midland one should as well. Accounts are reported from the delinquency date, not the date they got the account. At this point, I'd wait to see what you get. You should either get something from them (or at least proof that they received it) or your letter returned.
You can check on line to see if it was received or not and print that page out. Also if you do not get the green card back speak to your postmaster about it. As for them not calling, WELL then the dv may have done the trick. You just did a limited C & D right? If not,if you ever hear from them again, will most likely be a suit. Woofer
When I sent off a DV and did not send it CRRR BUT had the copy of the letter I sent, the judge took this as evidence that I had sent the letter. Some do some don't. Of course if you have the paperwork that YOU did send the letter just because they did not sign for it does not mean they did not get it. A refusal note form the post office will be sufficient IMO. Woofer
I haven't spoken to the postmaster, but I have checked on-line and there is no delivery showing. All that shows is when it left our local post office. I sent a cease & desist/this isn't my debt/if you pursue, I will use the SOL defense/been in touch with the TX attn general, kind of letter. A copy of it is in "Uncertainty in TX" thread and I belive I saw it posted in the sample letter forum. I'm just going to wait and see if I hear from them. I am just not very patient!
I use to be impatient but it affect's your health,remember stress is a killer this will pass you have your plan be ready they just raised the price of stamp's make the postmaster work.good it will be done.
Trade lines can come off early Hi, just a side note to this discussion . . . CRA's will often remove Trade Lines that are close to SOLR (within a few months). I've had THREE removed this year that weren't due until Nov/Dec. Even if you have filed previous disputes, just send the letter (CMRRR of course), with the following as the body of the letter: Dear CRA, Ref: Account Name: XXXXXXX; Account Number: XXXXXXX (as shown on credit report) The above trade line is obsolete and should be deleted from my report immediately. Thank you, XXXXX
