I just called a CA about continuing collection activity another I recieved a bill from them after demanding validation for a measly $51. my conversation went something like this.. me: i'd like to know what the hell you think your doing sending me another bill after you recieved a demand for validation? she: excuse me? me: that is a $1000 violation of the FDCPA she: I do not understand, what is a validation letter? me: I sent your company a validation letter on January 18, 2003 requesting proof that the debt is mine. she: sir what are you asking me? I have never heard of a validation letter and I do not know what a validation letter is, what are you talking about? me: you know darn good and well what I am talking about. she: I'm sorry I do not have any record of that letter. me: I do. The letter was sent Certified Mail Return Receipt Requested. You are in violation of the FDCPA I'd like to know what you are going to do to resolve this matter. she: I'm sorry sir. I don't deal with the FDCPA violations, let me transfer you to the FDCPA dept. *CLICK* LOL, that ain't the last they have heard of me.
Dang you shoulda talked to their fdcpa department if of course they know what that heck that stands for. I remember I called some CA so much(about 6-7 times a day) that they finally closed the account because they said I was too much a pain in the butt. gee now they know how it feels.
Maybe i'll send them an ITS letter tomorrow... Whats even funnier is the original bill offered a settlment in the amount of $0.00!
i wonder if i should send them this letter *evil grin* Dear collection agency, Dixiedrifter has been irritated by your collection agency, Inc and is attempting to recover the outstanding amount that is owed to him on the above referenced account. Dixiedrifter is indicating that this is a just and legitimate violation and is taking this matter very seriously. Your collection agency agreement with the Collection Service Board, State Department of Commerce and Insurance, 500 James Roberston Parkway, Nashville, Tennessee 37243 mandates that they conduct collection activity in accordance with applicable state and federal laws. This initial letter is the beginning of my collection process designed to focus upon the consequences of you failure to pay for this violation. However, I believe that if I send you this nasty intent to sue letter I can help myself to change the status of this violation. Therefore I propose one of the following: 1)Your check of $1000 will change the status of this account to reflect a full payment. All inquiring regulatory authorities will be advised by Dixiedrifter that this debt has been satisfied. 2) Your check in the amount of $500 will reflect this matter as settled. This offer of settlement will expire in 10 days from the date of this letter. If you choose this option you will be released of any further liability with regard to this account and Dixiedrifter will advise all inquiring regulatory authorities accordingly. Please remember my demand for validation on January 18, 2003 in which you continued collection activity without mailing validation of the account. Take advantage of this exceptional opportunity by returning this notice along with your payment in your own damn envelope as I ainâ??t paying for it. Unless you contact me within 10 days after receiving notice that you are in dispute of this violation or any portion of this violation, I will assume you donâ??t care if I proceed with litigation. If you notify me in writing within 10 days of receiving this notice that you dispute the validity of this violation or any portion thereof, I still wonâ??t give a rats ass and will attempt to obtain judgment of the violation and mail you a copy of such judgment before I contact an attorney to attach funds. If you request in writing withing 10 days of receiving this notice, I will provide you with the name and address of the nearest money wiring service, if available. Sincerely Dixiedrifter I am highly pissed off irrational lunatic sue happy consumer preparing to litigate your rear end off for violations of the Fair Debt Collections Practices Act and any information obtained will be used for that purpose.
