After failing to provide validation after 60 days (all with proof of receipt by them in my hands) I sent a final "you have 15 more days to validate or remove this forever" to them. Now I am not getting the green card (signed receipt of mailing) back. Sure it could be a mail snafu, or they could be refusing to sign it so as not have "received" it. Advice on how to proceed so I have proof they received it?
I will give you an option. The letter should have unclaimed stamped on it. This along with sending the letter regular 1st class mail is enough of a paper trail to nail them in court. If a company or person refuses to pick up certified mail this is still notification that your are requesting validation. Un-responsiveness is what we are going for anyway.
i beleive i read somewhere that a good way to get them to sign for it is to put some sort of "attn: accounts receivable" on it. they hopefully think they're getting a check so they sign I don't think I would have kept asking for the same thing again again. not sure why folks suggest this, as the whole idea is that they don't validate. I don't think 2 more requests that keep pushing back your deadline add much to your cause, and could hinder it as they may finally do just that: give you complete validation. They can't substantiate the debt, so move to the next step. Just my thoughts, and I understand that they're counter to what a lot folks suggest. But I just don't see the point of 3 rounds of validation requests. If someone says i owe them money, and i think i don't, I'm not going to keep giving them a deadline to prove it, just to keep pushing back the deadline and asking again. just stuff to think about, and like I said most others don't share my thoughts on this. But I think their ignoring your last request doesn't hurt you any, just move to your next step.
I haven't received the letter back either! Which does make it possible that the good old USPS just lost it - or the green card after the fact. So ... what is the "next step" you mention? Because what I want is something in my hand saying once and for all this is NOT our debt and we won't hear about it again. I'm not interested in just letting it lie there as unvalidated -- for fear that it will rear it's head again someday.
pretend for a second that they had received it, and did not validate it. WHat was your plan from there? I'd just keep to whatever plan you had in mind... personaly, I'd consider giving them some more rope to hang themselves with before quoting FDCPA and FCRA. maybe something to the effect they're trying to collect on a bogus debt, that they need to stop doing so and to remove references to it on your CR. In the mean time, I'd pull a CR and see if they're reporting it as in dispute. In essence, read through the FCRA and FDCPA and lay out a series of traps so to speak (which means don't go telling them in the letter what they need to do to stay in compliance). just my thoughts, and others may not agree...
this is assuming you follow the above advice and verify that they letter actually got to them and that they either did not sign for it, or that they ignored it. I've read before that a good trick to get them to sign is to mark it attn: accounts payable
The USPS can verify if it was received. Sometimes the green cards get lost. You should be able to check online. If they got it and don't respond you have 2 choices. 1. Live with it 2. Sue them.
