HELLO !!!!!!! I need a 2003 YOU DID NOT and Have Not Validated this ALLEGED DEBT so therefore POOF BE GONE.
i need a 2003 you DID NOT read me Come On CN !!! I am So Mad I just pulled my TU ..... (Asset Hard Pull 5-21-03) How many Violations do they have now 3 for not marking in dispute since 4-25-03 4 non permissible pulls Non compliance what else... let see if they verify before they Validate That would be ??????? 3 more What am I up to now 10 Direct Violations??? Is it time for the Law to step in???
i need a 2003 you DID NOT read me Ummm... they do not have to validate in order to pull a hard. If they have bought or have been assigned an account they can legally pull quite a few hards. Now IF you can prove the account is closed or fully paid that is different.
i need a 2003 you DID NOT read me even if the ALLEGED DEBT has been disputed with the CRA's and they have been sent 2 strong Validation Letters and have directly ignored my requests and i have been denied credit due to thier GARBAGE????
i need a 2003 you DID NOT read me Yep. If you can prove it is paid then you have a case on the inquiries. Otherwise if they have an account they can pull hards. At some point it becomes poisoning your file, but I am sure that would take more than 2 or 3 hards.
i need a 2003 you DID NOT read me Depending on what state you are in it varies but other than any non-PP pulls all the violations add up to basicly $1000. Damages if they can be proven are seperate. BUT... you have to get the judge to agree! He/she could rule you have no case and that the CA is owed the balance disputed! That is why Lizzard King and others attack the CRA. If you can prove violations they have NO case against you at all!
Re: Re: i need a 2003 you DID NOT read me No , Not past Sol. This was a paid account to oc whom I never heard after paying them last year{Feb 2002}-by $order(did not have new checks at the time, only temps) $300+$80 finance fee they are known as a PREDATORY CC (no names) Well since then they have sold to AA as of 2-2003 I rec'd a Welcome to AA letter 1st week of April and you owe us $1000 pay now and I responded with the I dispute ,please Validate(2 weeks later), this past week I have disputed this Alleged account with the 3 cra's and fuped with yet a 2nd Validation letter to AA due to the fact they have 4 hard pulls AFTER I sent them the 1st Dispute & Validate Letter
Re: Re: i need a 2003 you DID NOT read me OK. So it sounds like you have them on continued collection activities before validating. Can you prove the account was paid in full? If so you may have them on PP inquiries also. The difficulty with suing them for FCRA/FDCPA violations is the debt is not past SOL. Now the CRA is another story.
Re: Re: i need a 2003 you DID NOT read me Even if the ALLEGED DEBT has been disputed with the CRA's and they have been sent 2 strong Validation Letters and have directly ignored my requests and I have been denied credit due to their GARBAGE???? begntexs =============== No. Pulling reports after getting a val. letter is considered a violation. It's $1000 per pull. Perhaps even 2 violations per pull. THE END ** *** ** LB 59
Re: Re: i need a 2003 you DID NOT read me 1*Yep. If you can prove it is paid then you have a case on the inquiries. 2*Otherwise if they have an account they can pull hards. 3*At some point it becomes poisoning your file, but I am sure that would take more than 2 or 3 hards. -Pnwman ============ 2* This only applies prior to them having received a validation letter. After receiving a validation letter pulling a report is considered continued collection activity a direct violation of the F D C P A . THE END ** *** ** LB 59
Re: Re: i need a 2003 you DID NOT read me Lb You are Great !!!! The rest of you have awesome insight as well!!!! I Thank all of you for any comments and suggestions!!!! Let me see if my figures add up with yours...... CA-AA Buys this Alleged Debt , places it on my CR (2-2003) Does not Notify me till 1st week of April (via a Welcome to AA,we are pleased to have you as a customer) I send AA a "I Dispute this Alleged Debt and request Validation with my optional C&D" 3rd week of April (25th) May 21st I send the stronger version of the Validation letter due to the fact they pulled my Cr 4times since my April letter May 13,15,17 -3 hard pulls with efx May 21- 1 hard pull TU Prior to April there is not showing any listings of Inquiry They Have not Listed Customer Disputes information as of Today 5-23-03 on all 3 CRA's Are we at $7000.00? LB What is My Next Action ??? ITS, Go ahead and File or 1st site them with which violations and how much they need to write my check for and Letter of Full Deletions on each of the Credit Files???
Re: Re: i need a 2003 you DID NOT read me . The difficulty with suing them for FCRA/FDCPA violations is the debt is not past SOL. pnwman ===================== Since 99% of the time a ca can't validate why worry if in or out of sol? Another thing is they can't collect without validating either in or out of court sol or no sol. Another important ratio is amount of the debt to value of violation{s} THE END ** *** ** LB 59
Re: Re: i need a 2003 you DID NOT read me I would be careful on this one. I believe LB is wrong about the inquiries. What specific subsection of FDCPA did the CA violate Lb? While the CA can't continue collection activities I think you would have a hard time convincing the judge to grant a $7k award against a company that you owe money to. If you could prove you had paid it in full it would be different. Realize that State and small claims judges often rule based on their own opinion. Federal court rules more strictly based upon law, but is difficult for a layman to navigate. If you can catch the CRA in violation they have absolutely no case against you. You can sue them. make them spend money to defend themselves, and they have NO BASIS for a counterclaim. Make your decision based on sound planning and not what you want to be true.
Re: Re: i need a 2003 you DID NOT read me PNWMAN- Iam glad you are expressing your concerns I Thank everyone for their experiences and valuable information #1 I Do Not owe these sharks anything! I have asked then 2 times to provide to be the proper documentation and had Disputed this from the first time they mailed me a "CHAIN LETTER" #2 I have Informed all 3 CRA's of my dispute- #3 it will be 30 days since my 1st request for Validation 5-24-03 Time is Up (in my Book) #4 I have already sent them my 2nd request for the Validation and any Documentation #5 these Sharks have deliberately pulled more than a few hards on my report in the past week since I have challenged them on providing the proper Validation I am not going to PAY 1 Penny to anybody just because they say I am their new customer-Where is my contract?? What goods or service did I Buy???? When did I buy it? How much was it?? Did I pay tax?? If in fact I did..................................................... I sure do not remember that $1000 shopping spree nor at that Alleged time frame would I have even Qualified for a $1000 Loan or CC I was still in Repossession Hell and had come out of Divorce Court!!!!
Re: Re: i need a 2003 you DID NOT read me Hi bigntexs I was not suggesting you pay the CA at all. I was pointing out the potential down side versus no down side to attacking the CRA. An ITS to the CA may by itself solve the situation. In any event, good luck and let us know how it works out.
Re: Re: i need a 2003 you DID NOT read me PNWMAN- I have calmed down..... I am UPSET with the CA. They are the Sharks... I have reread a post from 2-2003 and here In my state, They are required to answer a dispute with in 30 days. Time is UP !!!!!! Yes, the its is for the CA
Re: Re: i need a 2003 you DID NOT read me 1*Ummm... they do not have to validate in order to pull a hard. 2*If they have bought or have been assigned an account they can legally pull quite a few hards. 3*Now IF you can prove the account is closed or fully paid that is different. -Pnwman =============== 1*They have to validate to continue to collect.Pulling a hard is continued collection activity. 2*Correct but they have to cease after demanding validation and can not continue or resume pulling after they have failed to vladate. Once they fail to validate there is no account giving them a PP to pull your report. 3*You don't have to prove any such thing as the burden of proof is on the CA not the Consumer. THE END ** *** ** LB 59
Re: Re: i need a 2003 you DID NOT read me 1*While the CA can't continue collection activities I think you would have a hard time persuading the judge to grant a $7k award against a company that you owe money to. 2*If you could prove you had paid it in full it would be different. pnwman ****************** 1*The FDCPA applies the same to creditors who are not owed money and to those who are owed money. Also where are you getting that he owes the CA any money; especially when the CA failed to validate? 2*This sounds like a real winner pull out a receipt showing that the debt the CA couldn't prove existed was paid. Also how do you prove a debt that didn't exist was paid in full? THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
