Lesarin:? 4u

Hello. here is where im at. Sent out validation letter crrr. They signed for it on the 22nd of August. Got greencard back 6 days later. So i still have 2 more weeks. They did not report to the 3 CRA;s, that i have disputed this debt . SO i already have them for 3 fines. They didnt send me a letter within 10 days stating they recieved my validation. another Violation. 4 Violations so far.


So hopefully they will keep on screwing up. I will let you know the progress.

 

Please point me to where the FDCPA says that a ca must send you a letter within 10 days stating they received your validation. There is no such law. I don't know where you come up with some of this stuff, but it is wrong. Also, failure to place the items in dispute is one violation. Just because they didn't report it to all three does not make it three violations.

If you can support the 10 day letter please do so.

 

Lesarin,

LKH is right.

There's no "10 day letter" law.

I do believe I would try to push the 3 CRA, "in dispute notation" tho.

FDCPA states that the CA must also update all the CRA's they reported the TL to in the first place. So I think it's "possible".

LKH is probably right again but I'd use all the pressure I could come up with.

hth

 

Lesarin,

I'm still waiting to hear where you got the 10 day letter stuff. I'm not trying to pick on you, but this is not the first time you have posted incorrect info. And if you aren't sure, you should ask rather than state something as fact that isn't, as others on this board may take it as correct.

 

.

 

it is 3 violations. One for each CRA. They have 5 days to send me a letter stating they have recieved my validation request. I Hired a well known person, that you may know. I will email him and get the info for you.

 

Last night you said 10 days. And you know what, that is just plain wrong. No where in the FDCPA does it say a ca must notify within xx days to verify they received your validation. I have also spoken to Mr. Bauer about validation in the past, and I don't think he has ever made such a claim.

I still maintain it is 1 violation for failure to notify the cra's.

 

I just emailed him. i should get a reply soon. I will post the law once i recieve it. However i said 10 days, they have 5 days according to this guy.That was my error. There are 3 CRA's. They must put in dispute with ALL THREE CRA's. your logic would make sense if they reported too two of them. and Not to the third. However 3 non reports, equals 3 VIOLATIONS. in another week hopefully they will be up to 5 VIOLATIONS. It's going to be fun to FUKK these fags up the ass BIG TIME.

 

First of all, you are just plain wrong. Second, your language is quite becoming. Third, you are posting things that you say are law, don't you think you should know where it comes from before posting it?

 

OMG

 

Pretty unbelievable huh?

 

I know where i got it from. You know him. I will email him and get the law.

So right now that is where my info is from. So call him aliar.

i will post when he respondes

 

yes it is. You judging on 911. you should be ashamed.

 

Where do you come from? And no, I did not call Bill a liar. I said I don't believe he said that. I think YOU don't know what you are talking about. You accusing me of calling someone a liar when I didn't on 911, you should be ashamed of yourself. And how many times in your approximately 100 posts, have you made snide remarks or "judged" someone? Practice what you preach, and know what you are talking about before you post it.

 

Want the email? with stamp of course? and yes your calling him a liar. Im paying for his service. He is giving me this info. You just had to stick your nose into a priv post and try and prove me wrong.


Yes you should be ashamed, I was just telling ONE PERSON my status. I used info i recieved in a email from a person. Its still early in my game, However he did type clearly and did state those facts.

Like i said i will post the law. Im sorry you have nothing better to do on 9/11 then trying to show me up.

 

1) show me where I called him a liar.
2)anything posted here is not private, it is a public message board.
3) you are posting things that you claim to be law that in fact aren't and yes, when you or anyone else does that, I will "stick my nose in" and correct them.
4)why don't you post the email where he stated those "facts".

 

§ 809. Validation of debts [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

 

Sorry. That is when they have initially contacted you. Not when you have contacted them. Get it straight.

 

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --



Notice where it says "AFTER THE INITIAL COmmunication".