I sent a Validation letter to a CA. Got Green card back waited the 30 days and sent Estoppel and got GR. Card back on it also. Never did hear from the CA on this. They have called 4 times trying to collect since they got the Validation letter. I know I need to send them a demand letter but I have never done that and have no idea of what to say in it or how to lay it out. Can anybody help me out on this it would be much appreciated. Thanks all; L.B.
I may be wrong, but it is my understanding that a "demand letter" is a letter to the Consumer Reporting Agencies (CRA not the CA) to "demand" proof of how they verified the debt. Some people call this a "procedural request" letter. Who they spoke to and received WRITTEN information from...what information was received...and on what date. This is all in hopes of getting information leading to a failure to verify the entry. In other words, you want to use this information to prove that the CRA is STILL reporting information after the dispute and verification request based on lack of evidence. The word demand is more for demanding proof of verification information, not a demand for money or action. There is a sample of such a letter in the sample section -Peace, Dave
Lizardking thanks for replying.: I want the following 1*$4000.00 from the CA for trying to collect 4 times before Validating. 2*The account permanently deleted from all reports at all CRAs by both the CA and the Original Creditor. It was never Validated by the CA in over 50 days since they received my Validation Letter. 3*A guarantee that the account will not be sold to another CA or other party. 4*That the CA will make no further effort to ever collect on the account. **Is there any thing else I should include to cover myself?
Is your main objective to get money or have it deleted or both. If it's both I would send a demand letter for $1000 as well as deletion. If you want the full amount and deletion I would file in court, but be careful, my court would not allow me to be awarded "deletion" only monies.
