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Discussion in 'Credit Talk' started by soup, May 21, 2002.

  1. soup

    soup Well-Known Member

    After hearing nothing from a collection agency since january, when my original validation letter was sent...I just sent an estoppel giving them the 15 days...I have since changed jobs...they just called my at my new job, how they got the # no idea, telling me over the phone they contacted the original creditor, the dentist and then began to list what it was for? UNBELIEVABLE...what NOW? I said I'd call back..didn't want anyone hear to know what was going on...
     
  2. soup

    soup Well-Known Member

    please give me a suggestion ASAP..I'm so sick of this...it's all I've got left...I'm almost considering paying for deletion...even though I was over charged..I don't want them to call my work again...it was from 2 years ago....
     
  3. soup

    soup Well-Known Member

    how about a cease and desist letter?
     
  4. javan

    javan Well-Known Member

    Have they provided you with written validation? The over the phone crap doesn't fly. Also, send them a nice little Cease & Desist letter, that'll stop the calls.
     
  5. soup

    soup Well-Known Member

    They have not provided written validation...should I call and ask for it...or send another letter?
     
  6. PsychDoc

    PsychDoc Well-Known Member

    Here's a suggestion. You shouldn't stay on the phone long enough with them to find out what they want to tell you. Instead, when they call, you should simply say, "Sorry, on counsel's advice, I am communicating with you only by letter. Thank you." And then hang up.

    If you feel you need to send them a partial cease and desist (declining phone calls, although not written communication) in order to more easily draw that boundary, then by all means do it.

    As for what to do next, you can ignore and forget whatever they told you over the phone. It sounds as if they have so far declined to respond to your written requests for validation. It may be time to move toward an intent to sue stance, but I'll defer that portion of the advice to someone with more experience here.

    Doc
     
  7. PsychDoc

    PsychDoc Well-Known Member

    Ack, isn't redundancy nice, lol? While I was typing my response, I took a phone call, then finished, and -- voila -- javan had already given a similar response but more to the point. :D

    Doc
     
  8. soup

    soup Well-Known Member

    I sent the 15 day estoppel letter...they received it on 5/7...which means their time's up tomorrow...so if I ignor the call...it's past the time frame and I can sent that to the CRA's for removal....they never replied in january either, isn't that a violation...the call just stunned me, I'm not thinking....
     
  9. javan

    javan Well-Known Member

    No more phone calls. Just proceed as if they have not responded with validation. I think I might agree with Doc, maybe an intent to file a complaint (with BBB, FTC, AG) might be nice, before you tell them you are gonna sue. But I think the C&D should be in their hands today.

    DISCLAIMER: I am NOT a lawyer and don't know a darn thing about suing anyone. Just my opinion.
     
  10. soup

    soup Well-Known Member

    In regards to the cease and desist...can I fax it..or send it crr...
     
  11. soup

    soup Well-Known Member

    I'm being stupid but you said C&D should be in their hands today...so is fax ok?
     
  12. javan

    javan Well-Known Member

    Fax is the only way to go. Save yourself the $4.10. Fax confirmation is considered proof of delivery.
     
  13. soup

    soup Well-Known Member

    Ok, I'm going to fax the C&D within the hour, write an intent to sue tonight and send it CRR tomorrow...is that good? BTW THANK YOU!!
     
  14. javan

    javan Well-Known Member

    Great on the C&D!

    Maybe wait a couple of days on intent to sue to settle down and clear your mind. You want to clear on the violations they've commited. Just a suggestion. Maybe you can begin the rough draft tonight, post it on the board tonight or tomorrow to get some feedback.
     
  15. soup

    soup Well-Known Member

    Great suggestion, and exactly what I'll do...I think I'll actually wait and send the intent letter after the holiday...thanks again
     
  16. javan

    javan Well-Known Member

    Great!

    Come to think of it your gonna want advice/suggestions from LKH, Lizardking, & Doc before you send it off
     
  17. soup

    soup Well-Known Member

    About the fax or intent to sue Letter?
     
  18. javan

    javan Well-Known Member

    Intent to sue
     
  19. javan

    javan Well-Known Member

    Use the C&D in the letters section.
     
  20. soup

    soup Well-Known Member

    Got the C&D ready to go...I'm going to goto a fax place shortly...for some reason the fax here isn't printing confirms and I really don't want them to have my fax number here anyway...JAVAN...thanks for the help much less stressed now...and Doc....
     

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