Do I have to sign the validation letter? Does not signing it make it void? Also- in the Example Letters forum, there is a 60-day Validation letter. Why would this be necessary? I thought you send one, then one more 30 days later. If they don't respond, you dispute it with the CRA...??
1. Welcome to the board 2. If you haven't already, familiarize yourself with the newbie links and CNet FAQ. 3. NEVER sign a validation letter or any other letter going to the CA. (you also don't sign a pay to delete/settlement letter and those you definitely don't date!) 4. The reason for the 60 day validation letter is because you will find that there are those CA's that will not validate. You can then dispute with the CRA, but all the CA has to do is say that they have. After all, it's not THEIR fault they post office can't do their job. Following this train of thought? Therefore, the second validation letter not only restates your validation request - but it documents the fact that they've never responded to your first request. THEN if they don't respond you have documented evidence to submit to the CRAs. Good luck
Don't sign... And dispute with the CRA the minute you get the green card back from the CA (or the minute you find out from the USPS web site that it has been received by the CA -- that'll give you a few day headstart over waiting for the physical green card.) THAT is how you effectively put the 30 day limit on the validation response. If they can not validate within the 30 day limit required under the FCRA for responding to the verification request for the dispute with the CRAs, then the account gets deleted, and they can not respond under Section 623(b) (Section 623(a) automated updates are permitted, that is how they are required to add the "CONSUMER DISPUTES" notation to the account) because responding is collection activity prohibited by Section 809(b). The FDCPA itself does not have a time limit on validation, the only way to put the time limit on the validation is by interlocking the validation & verification processes.
Now, if they do verify with the CRA on the first dispute, you will still have the paper-trail to submit that they are refusing to co-operate with you to submit to the CRA.
Well, I guess I learn something new every day. I won't sign any more validation letters... Say for example, I have DL, estoppel, and another letter sent to CA, and nothing but dunning letters from them. Account is listed with CRA as being disputed, I disputed with CRA, and they verified account. I haven't gotten validation from CA, and CRA has verified the account as valid! What step do I take now? ITS letter to the both of 'em? Or should I just go file suit?
Col. KOrn..... I had a boss (before sig. stamps) who often forgot to sign his letters in our marketing material and when not available, we would take an old letter, cut out his signature, paste it to a new letter.... run copies. Think of this in the hands of a CA and prove you didn't sign it.
Re: Do I have to sign Validation Le I used to fake my parents sig for my lackluster report cards...LOL. What I would do is get a copy of their sig, take a pencil, rub the pencil so the back was dark, and trace over their sig on what I needed signed. Then go back over it with a pen on the orig. document. Good point you bring up. Thanks.
Re: Do I have to sign Validation Le Yeah. Holding the document to a window (for light) works well too. My boss used to just tell me to sign his sig.... so guess what pretty soon the company he was signing contracts with couldn't tell whether it was his sig or my version of his sig. Which one should they compare sigs to to get the "original". Anyway, no CA will get my sig on anything.
