I have a CA who failed to mark account in dispute, failed to validate in 30 days and during the 30 days sent a collection letter using another LLC and name which shares the same address and principals. It appears that they have several LLC's so that they can switch up on who supposedly owns the debt.... I had immediately fired off a letter once I received the 2nd collection agencies letter stating that via my research according to the BBB and state rcorporate filings indicated that they were the same company and that I could prove it and that they had just commited an FDCPA violation. I had also contacted the OC (a finance company) and and made them aware that they may be held liable for the CA's actions according to FTC opinion letters. Their lawyers sent me letters indicating that my dispute was not with them and that they had sold the account to the CA. They also enclosed a copy of the original promisory note with my signature on it since I had also sked them to validate. Now the CA has also sent me a letter indicating that they are removing all information from the CRA's and provide me time to review the copy of the original contract and send them my signature because they would like to discuss an arrangement which is mutually agreeable. P.S. - The OC is also reporting the account as charged off. The OC's only violation in my opinion was that they did not report the account as in dispute. Help...
I would not send them my signature...PERIOD! As for the OC, if they told you they SOLD your account, your report should be updated to say such with a ZERO balance. I just went through this with Providian. They sent me a letter stating they would update my CR.
CA Asked for signature I had also contacted the OC (a finance company) and made them aware that they may be held liable for the CA's actions according to FTC opinion letters 1*Their lawyers sent me letters indicating that my dispute was not with them and that they had sold the account to the CA. 2*Now the CA has also sent me a letter indicating that they are removing all information from the CRA's and provide me time to review the copy of the original contract and 3*send them my signature because they would like to discuss an arrangement which is mutually agreeable. ajordan ============== 1*This don't get them off the hook as it makes no difference if the debt was sold or assigned. 2*another violation - attempting to collect again and still no validation. 3*Why do they need a signature just to discuss something? Must intend to transpose the signature onto such a document making it look like you agreed when you did not. [NEVER GIVE A CA YOUR SIGNATURE. THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
