OK guys, a big thank you in advance for listening. I had a credit card account with Bank One that became Chase and has been charged off in March this year. Amount is $8542.54. I could not make payments due to loss of job and recently received nasty calls from Mann Bracken LLC. They say they represent Chase and they want money etc. I sent off a Validation letter in mid April and I received a letter back on June 9. Frist page of letter basically is "in reponse to your request for validation of debt in accordance with 15 U.S.C. 1692g(a)(4), we attach a validation...any questions please call or email arbitration@mannbracken.com Second page: basic account info stated name, ss #, addy, account #, date opened, date of charge off, total charge off amount, interest and due at charge-off ($.00). date of last payment made to Chase. name of present creditior. However, nothing was written next to "name of original creditor and address" In the last page, I quote - Unliquidated Claims for Fees, Costs or other ancillary relief. Please note that, if we have not filed claim against you and your fees and costs are $0.00, this could change at the Arbitrators discretion. amt of principal charge off : $ 8542. 54 interest and due at charge-odd: $.00 a. attorney's fees $.00 b. court costs:$.00 c. Interest: $.00 total amt of payments since 2005-04-06: $.00 total of balance and all cncillary relief: $8542.54 Present interst rate: .00 Default Contract Interest Rate* : Y or N Statutory Pre-judement Interest rate* : Y or N Per Diem: 0.00% Response to specific inquiry or dispute* (left blank) KEY * documents attached (nothing else was attached) it was signed by a verifying agent from Chase and Notarised by someone in Texas(!) on 12 May 2005. But I did not get this letter til June 9, 2005. Mann and Bracken are in GA, I am in NY. I hear they have co-counsels in NY and evey state and can take legal action. My question- Is this proper validation? They did not state the name of the original creditor, it was left blank. I think I messed up coz I did not write CRA to dispute. And I have received phone calls from Mann Bracken at home for 2 days, once a day at 8:30 PM. Is this allowed? What letter should I write next? Please Help! is there a link I can find more info on? Thanks so much. I am scared. Maryjane
Forgot to add that I mailed the validation request letter Certified and yes I got the green little card back.
Hi guys, I've been reading some very informative posts on this forum and would like to ask if this is what I should do next. I understand that they can continue collection activites after sending you a Validation letter. I am not trying to get out of paying, just trying to buy more time so I have money to pay later. I should write them to dispute that it wasn't proper validation coz it didn't show how it they arrived at the over $8K amount.? Also, I am looking into see if Mann Bracken is licensed in NY coz they are in GA, DC,VA. The nasty guy on the phone told me that have co-consels in all 50 states and can sue me even if I am in NY. Is this true or are they just trying to scare me? I know, I shouldn't have talked to them. They have called me twice since I received the Validation letter but only left messages (rather polite ones) but at 8:30 pm. So I should also include in the letter how they are not supposed to call after 5pm coz it's not convienent for me and I don't discuss business over the phone? Any suggestions welcome. Thanks guys : )
They can call until 9 PM. Just state that it isn't convenient for you to take phone calls and you want all correspondence in writing. Don't answer the phone. If you have caller ID, don't answer from someone you don't know. If you don't have caller ID, let your answering machine pick it up. I would send them a letter and state something like this (write it in your own words, this is just sort of what you should say): I received your letter, but it still doesn't tell me what this bill is for. I have never done business with your company. You do not specify an original creditor, so I have no way of knowing if I owe this debt or not. Please send me something that shows who this account is with and some proof that it belongs to me.
