Hello, I have a collection agency that I am really having problems with. Maurader Corporation on EXP report. States that I owe 1307 (really on 755 w/o interest). I disputed with the CRA and it came back verified. I then sent out two validation letters finally getting a reply from the second one stating the 755 due, not the 1307 listed on CR. I then sent a settlement letter asking them to sign it if they agreed to the settlement or if they didn't agree to make me an offer and send it in writing to me. I have not heard from this company since sending this letter on 8/11 CRR (they rcvd. it on 8/16. What should be my next move?
I then sent out two validation letters finally getting a reply from the second one stating the 755 due, not the 1307 listed on CR. I then sent a settlement letter asking them to sign it if dmplz618 ========================= What did you tell them in the Validations letters.? THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""'''
The first validation letter was your standard letter requesting a copy of a signed application/contract within 30 days of receipt of the request. I rcvd no response from this request. The second validation letter was the 15 day notice stating that if no response was received from them on this request they were admitting that this entry on my CR was not valid and should be removed by the CRA at once.
Dmplz, PLEASE TELL ME YOU'RE KIDDING!!! Marauder. ma·raud ( P ) Pronunciation Key (m-rôd) v. ma·raud·ed, ma·raud·ing, ma·rauds v. intr. To rove and raid in search of plunder. v. tr. To raid or pillage for spoils. Check the spelling and see if you mistyped. If this is REALLY the name of this place we ALL need to gang up on em. Freakin Pathetic. .
Yeppers, Found em. http://myfloridalegal.com/lit_ec.nsf/0/1DFEAE26AF7668F485256BC3004744BC?OpenDocument Marauder Corporation d/b/a Nationwide Capital Recovery The case file cited below relates to a civil -- not a criminal -- investigation. The existence of an investigation does not constitute proof of any violation of law. Case Number: L02-3-1836 Subject of investigation: Marauder Corporation d/b/a Nationwide Capital Recovery Subject's address: 74923 Hwy 111 Indian Wells, CA 92210 Subject's business: Collections agency Allegation or issue being investigated: Unfair, deceptive, and unconscionable collection practices Status of case: Investigation opened Subject's position: No response at this time AG unit handling case: Economic Crimes Division in Tallahassee, Florida .
You are correct, I did misspell the name of the company. So, as you stated above my next move should be the ITS letter? I know that they have several sample ITS letters posted on this board but would either on of you know exactly which one I should send that most pertains to my situation since I have already sent them a settlement letter? I only sent the settlement letter because DH and I are trying to buy a house by the end of 2003. We had a Loan Officer look at our CR's and that is one of the collections that has to be taken care of before anyone will offer us a loan that is not Sub-prime.
I may seem stupid for asking but, How can I send an ITS letter when they have already properly validated and I have sent out a settlement letter?
Ok, here is the ITS letter that I intend to send. Pls edit : September 15, 2003 Name Address CA-Name/Address In Re: Case # 465878 Bill Palmer - Manager: On July 19,2003 I received a letter (copy is attached) signed by you stating that I should contact your agent Steven Parker in order to make immediate payment arrangements because you supplied me with the proper validation. On August 11, 2003 I mailed a letter to the attention of Mr. Steven Parker stating the terms that I thought were sufficient enough to settle this debt. I have confirmation that this letter was received by your company on August 16, 2003 at 1.22pm. To date I have not heard from Mr. Parker or yourself. I stated in the settlement letter that if you do agree with the terms that were listed to please sign, date, and return a copy of the letter to me and the first payment would be received by your company on September 25, 2003. I also stated that if the terms listed were not acceptable to please send me a letter stating the terms that you could accept. Since neither Mr. Parker or yourself have done the above mentioned I see it as if you are admitting that this debt is not valid and I do not owe your company any money. I will give you another chance to respond to the settlement letter (copy attached) that I originally sent on August 11, 2003. If I do not hear from Mr. Parker or yourself within 15 days of you receiving this letter I will take your silence as an admission that this debt is not valid and will pursue all of my legal options to sue you for all of the violations that you have committed under the FCRA. Sincerely, Name/Address
Re: Re: Help with CA 1*I may seem stupid for asking but, How can I send an ITS letter when 2*they have already properly validated and I have sent out a settlement letter? dmplz618 ================== 1*This is why you don't send a settlement letter with a validation letter. Also you don't send a settlement letter before they have validated 2*Did the validation include the signed contract and a complete account history? If not they haven't validated. As far as the settlement offer It's been over 30 days since you sent it and they haven't accepted it so I would say the letter you sent is null and void and no longer binding on you; Therefore you can take other measures to resolve this matter such as an its. THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""'''
Re: Re: Help with CA I would not send this. Instead I would sue them for the violations you say you have them on. Just one $1000 violiation will more then pay the 755 bucks. Me I would make them eat the debt.
Re: Re: Help with CA I sent the following letters in the order they are presented below: 1st validation - no response 2nd validation - responded with signed contract & acct. history That is why I sent the settlement letter because they did respond with the proper validation. That is why I asked the question of what can I sue them for besides not answering back on my settlement letter? I have not seen a posting for suing a CA that didn't answer back a settlement letter. Is their a law for such a thing?
Re: Re: Help with CA The second validation letter was the 15 day notice stating that if no response was received from them on this request they were admitting that this entry on my CR was not valid and should be removed by the CRA at once. dmplz618 =============== Send its after the 15 days are up. THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""''' PS New Member Must Reads.--------------------------- http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=350770#post350770 http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=314910#post314910 http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=352826#post352826 Sample letters http://consumers.creditnet.com/straighttalk/board/index.php?s= WhyChats statute of limitations http://community-2.webtv.net/Y-chat/WhyChatsCredit/ http://community-2.webtv.net/Y-chat/WhyChatsCredit/ statute of limitations http://www.edebtnetwork.com/content/collection_laws.asp """"```--~~~~~~~~~--```'""'''
Re: Re: Re: Help with CA Did you send the letter where they claim that the balance was only $755 to Experian?
Re: Re: Help with CA 1*I will pursue all of my legal options to sue you for all of the violations that you have committed under the FCRA. dmplz618 2*That is why I asked the question of what can I sue them for besides not answering back on my settlement letter? dmplz618 +++++++++++++++++++++ 1*What violations are you saying they committted ? 2*Idon't know because you didn't say what they were in 1* above. THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""''' PS New Member Must Reads.--------------------------- http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=350770#post350770 http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=314910#post314910 http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=352826#post352826 Sample letters http://consumers.creditnet.com/straighttalk/board/index.php?s= WhyChats statute of limitations http://community-2.webtv.net/Y-chat/WhyChatsCredit/ http://community-2.webtv.net/Y-chat/WhyChatsCredit/ statute of limitations http://www.edebtnetwork.com/content/collection_laws.asp """"```--~~~~~~~~~--```'""'''
