I am asking for advice on the best strategy for providing proof of dispute. I had an insurance policy that I opted to not renew. I called the insurance company as well as provided an email to them telling them I was not renewing. Couple months later I receive a delinquent notice since they opted to renew me despite my notice of not renewing. I again followed up by both phone and email. They acknowledged this time over email that they "apologized" and "would clear it up". Couple months later I receive a letter for a credit collection. I am trying to figure out the best way to approach the notice of dispute. I am within the 30 day window period. I plan to send a letter certified return receipt mail. Should I provide copies of the emails of my "notice to not renew" as well as my follow-up? Then say that they must provide a "validation" of the debt showing I have a contractual obligation to pay? Or should I keep the response short and to the point saying I sent the written notices and have the proof? I'm not sure if providing them copies of my email discussions will be good or bad for me in disputing this claim. Plus I don't really want to give them my email address. Thanks for any advice.
Send the CA a DVL CRRR disputing the account in its entirety. There are samples on the site; keep it simple. If you just want them gone, and quick, supply them with your evidence. Otherwise you can just dispute the account and see what comes back. You can black out your e-mail address and indicate in your letter that the only method of communication will be through US mail.
Agreed w/ Mindcrime. Here's a sample letter to get you started: Debt Validation Letter - Send w/in 30 days of CA Contact
If they respond to the validation, then I would counter with the email from the OC appologizing and promising to fix it, along with a suit for the CA for misrepresenting the amount, character, and legal status of the debt, and a suit of the OC for breech of contract. 1) CA has already represented that the account has a valid legal status, despite the appology e-mail that the OC would fix it. 2) OC entered into a written contract to fix it, not only did they breech that contract by not fixing it, but they sent it to a CA for further collection activity, and provided to the CA documentation to verify the account, both as additional breeches of the contract.
Its a good suggestion to solve this dispute,may help to solve it quicker .Thanks mindcrime for your suggestion.
