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Collection Agency's Response

Discussion in 'Credit Talk' started by jdcompute, Feb 23, 2004.

  1. Feb 23, 2004 #1
    jdcompute

    jdcompute Well-Known Member

    This is a response that I got from a collection agency after they finally provided validation of two accounts. This has been going on for 2 months now..back and forth. Since I told them that I would file suit on them, they sent this:

    "The creditors were also kind enough to send itemized bills again, which are the same bills that were previously
    sent to you. I have circled the balance on the bills, which does match the balance
    reported to the Credit Reporting Agencies. OUr office has satisfied our requirements for validation
    of these accounts. We have not received your reason for disputing these accounts. We ask that
    you now let us know what you are disputing so that we may help to resolve this matter."

    ----- Those balances do NOT match what is on my credit report. Where do I go from here? I want to file suit on them for their violations anyway..even if it DID match. I need some help pretty quick-like.
     
  3. Feb 27, 2004 #2
    lbrown59

    lbrown59 Well-Known Member

    Click here: CREDITNET | Straight Talk | | CA Payment Restart / Extend SOL?
    bump
    ><- <>- ><- <>
     
  4. Feb 27, 2004 #3
    jlindseyjr

    jlindseyjr Active Member

    JD,
    I believe the CA has to give you:

    1. Proof that the collection company owns the debt/or has been assigned the debt.

    2. Complete payment history, starting with the original creditor, the balance as of the day it was turned over to the CA, how much in fees the CA added on and how the CA determined how much these fees would amount to.

    3. Copy of original signed loan agreement, credit card application.

    John
     
  5. Feb 28, 2004 #4
    jlynn

    jlynn Well-Known Member

    There is no case law that states exactly what IS validation. We can look to Spears v Brennan for some guidance, but when push comes to shove it would be up to the judge hearing your case to decide. Its a slippery slope.
     
  6. Mar 2, 2004 #5
    lbrown59

    lbrown59 Well-Known Member

    1* I have circled the balance on the bills, which does match the balance
    reported to the Credit Reporting Agencies.
    2*We have not received your reason for disputing these accounts.
    3* We ask that you now let us know what you are disputing
    4*after they finally provided validation of two accounts.
    jdcompute ><- <>- ><- <>
    ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~ ~ ~ ><- <>- ><- <>
    1*So what does that prove?
    2*You don't have to give any so don't do it.
    3*ignore this
    4*Did they forward the signed contract and a complete accounting from the OC ?
     

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