HI Gang, Just thought i would say hello and let you know my repair adventures are going well. I've had several derogs removed just in disputing alone with EQ and EXP, two weeks ago i started on TU so that is ongoing. i'll let you know later. I have two CC charge off accounts that have came back verified, one is outside the SOL and the other is still with-in, they are but CAs. Of these two accounts neither have validated the debt to me i have sent two letter to each of them CRRR, and they ARE NOT sending Validation material. One is ignoring me and the other is saying as soon as the get it from the OC they will sent it to me, that was 2 1/2 months ago. MY QUESTION: How do i get a lawsuit going againest these CAs? I plain to send out an intent to sue letter as soon as i know how to start a lawsuit, lol. I live in North/South Carolina area, thanks for your time. Lucas
For the one that says they will validate as soon as they get info from the OC, have they marked it 'in dispute' on your reports?
Actually they didnt they just verified it with EQ and Exp, i willnt know about Tu until as late as the 17th of april. But i believe i have them of 3 or 4 violations. Not validating to consumer and then verify to CRA- 2 or 3 accounts Not marking as disputed to CRA- Add to CR when in Dispute- and so on. Thoughts anyone?
They are suppose to Validate to me and if they cant then they SHOULD NOT verifly to the CRA, isnt that a violation? And if they do verify to the CRA it is a $1k for each CRA, correct or no? 3k total. Lucas
My take on this: validate means prove its valid. if they are knowingly reporting an invalid debt/collection then you should be able to come up with a few FDCPA violations along the lines: false representation of the character, amount, or legal status of debt false representation or implication that consumer committed a crime OR OTHER CONDUCT in order to disgrace the consumer (ie, they're saying i'm a deadbeat) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
[ lucas222 ============== Have you sent estoppel to CA? The END ************************* LB 59 QUOTE]Originally posted by lucas222 HI Gang, Just thought i would say hello and let you know my repair adventures are going well. I've had several derogs removed just in disputing alone with EQ and EXP, two weeks ago i started on TU so that is ongoing. i'll let you know later. I have two CC charge off accounts that have came back verified, one is outside the SOL and the other is still with-in, they are but CAs. Of these two accounts neither have validated the debt to me i have sent two letter to each of them CRRR, and they ARE NOT sending Validation material. One is ignoring me and the other is saying as soon as the get it from the OC they will sent it to me, that was 2 1/2 months ago. MY QUESTION: How do i get a lawsuit going againest these CAs? I plain to send out an intent to sue letter as soon as i know how to start a lawsuit, lol. I live in North/South Carolina area, thanks for your time. Lucas [/QUOTE]
