Ok, third post of many more to come. PLEASE HANG IN THERE. I will pick things up quick so have some patience. I am determined to fix my wrongs one step at a time. I need your help on fixing the following. 6 months ago my Nextel account was charged off and some weeks later I got a letter from Allied Insterstate regarding their intention to collect on Behalf of NEXTEL, yada yada yada. I am new to this mess, so acting IN GOOD FAITH and sent them a letter communicating my intentions to pay off the debt in installments. I did NOT DO A CEASE AND DESIST LETTER. What bugs the crap out of me is that the fools keep calling and leaving me the "you have a very important business call from..." BS and I get really annoyed by them.... The letter states my acnkowlegment of the debt in this manner: "Allied Interstate Inc. To Any Name: I am very sorry to inform you that due to recent personal economic situations I have fallen behind on making my regular monthly payments. For many years I have conducted my debt liabilities very responsibly as I have paid my debt to debtors on a regular and consistent basis, and maintained very good credit worthiness as a result. With the goal of paying my de balance of $700, I am sending an initial payment for the amount of $100.00. From this date going forward I will send Allied Interstate Inc, a monthly payment of $50.00 until the balance is paid in full. In the event that I am able to increase the payment or pay in full, I will notify you in writing again. I thank you advance, of your understanding and patience, and acknowledgement of my acting in good faith towards paying this debt. Regards, Name" 1. is it too late to send a cease and desist letter at this point? 2. Could I still ask them to VALIDATE? 3. To clean my tradelines, AM I better off going straight to the CRA and follow the IS NOT ME strategy. Do not let me down and please advice....
The letter states my acnkowlegment of the debt in this manner: 2. Could I still ask them to VALIDATE? bornlooser ================ You can always val. The END ************************* LB 59
Its never too late to send a C&D. With going the "its not mine route" the letter you sent could be a problem. IMO it depends on what kind of record-keeping Allied does. If they have your letterin your file, that would be their proof that you've acknowledged/admitted the debt is yours, and I'm sure the CRA's view it as such. If they don't then the "its not mine" strategy could work. The problem is figuring out what cards they have in their hand.
If you feel trapped by your letter to them you can say the debt was yours, but you are disputing the amount. After researching, the account you sent was the balance. Make them prove you owe more.
Re: Re: How to fix a wrong That's exactly right. The Ca claims he owes it. It's their responsibility to prove it. Bornlooser is under no obligation to acknowledge deny or prove anything.
