No License For Skip Chase Associate

Discussion in 'Credit Talk' started by dgj77, Aug 2, 2004.

  1. dgj77

    dgj77 Well-Known Member

    I just did a search on NC dept of insurance and could not find SKip CHase & Associates in their licenced CA list.

    Can someone please confirm this if you have other sources. I got a letter from them..
    Skip Chase & Associates
    10610 Metric Drive, #114
    Dallas, TX 75243

    this is where i searched them and could not find
    http://www.ncdoi.com/Industry/Industry.asp?s=sidSS&c=cidSSCA

    What can I do now? Can I report them and the APARMTNET COMPLEX to the attorney general for not having license and attempting to collect? I dont want to tell them this because they might have dug out a grave for themselves, I wonder if I can someohow make them back off and the apartment complex as well

    and this is from NC general statutes
    ny person or entity conducting or operating a collection agency or doing collection agency business without a permit required under G.S. § 58-70-1 is guilty of a Class I felony, and any officer or agent of any person or entity who personally and knowingly participate in violation of the provisions under Title 58, Article 70 is guilty of a Class 1 misdemeanor.

    thanks
     
  2. Dato77

    Dato77 Active Member

    FOr those who have read my previous posts, can you guys help me out. It seems like they are not licensed here and dont even show a permit #, required by north carolina dept of insurance. Should I make them send me more letters, to make the case stronger. Should i ask for validation
    thanks
     
  3. lbrown59

    lbrown59 Well-Known Member

    ***************
    GET THE BASICS HERE.
    http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=410243#post410243
    *****************
    Send them the validation letter














     
  4. Dato77

    Dato77 Active Member

    I have looked at sample validation letters but stil do not know which one should be used. What should I ask the collection agency, what kind of documents.
     
  5. lbrown59

    lbrown59 Well-Known Member

    Re: Re: No License For Skip Chase Associate

    Here is the Validation Letter you want to send by CRRR.
    Don't make any changes on it and don't hand sign it.

    Your Name
    Address
    City State Zip

    Company
    Address
    City State Zip

    Date

    RE: Account #_________/Original Creditorâ??s Name

    Dear Sir/Madame:

    Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form.

    Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you.

    You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

    Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.

    Sincerely,


    Your Name don't sign


    - - - Include the following on a separate sheet of paper - - -


    CREDITOR DISCLOSURE STATEMENT



    Name and Address of Collector (assignee): _________________________

    Name and Address of Debtor: ____________________________________

    Account Number(s): ____________________________________________

    What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms.

    Have any insurance claims been made by any creditor or assignee regarding this account? YES/NO

    Has the purported balanced of this account been used in any tax deduction claim? YES/NO

    Please list the particular products or services sold by the collector to the debtor and the dollar amount of each:


    Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action.

    ________________________________
    Authorized signature for Collector

    Date_______/_______/_______

    Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim cannot be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts.
    ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

     
  6. Dato77

    Dato77 Active Member

    Re: Re: No License For Skip Chase Associate

    If the CA is not licensed in the state, does it in ANY WAY violate 807--- False or misleading representations
     
  7. Hedwig

    Hedwig Well-Known Member

    Re: Re: No License For Skip Chase Associate

    DON'T send that validation letter. Just send them a letter asking them to validate the debt, as you don't know anything about it. Keep it simple, don't bring up a bunch of legal stuff. In the meantime, send a copy of the letter you got to the NC Attorney General and tell him you couldn't find any evidence that they are licensed in NC.

    Don't show your hand to them yet. See what they come back with. The AG is going to have to prosecute them for the felony, you can't. But you can have that working while you're doing the validation. If you bring any of the legal issues up to the CA, they may very well make sure all the paperwork is in order by the time you file any complaint. This way, they think you don't know all the laws, and you'll have the AG working on them in the meantime. Besides, they may have a DBA (doing business as) license and actually be legal.
     
  8. Dato77

    Dato77 Active Member

    Re: Re: No License For Skip Chase Associate

    THe NC statute clearly stipulates that all CAs doing business in NC should be licensed AND show permit # on every communication with debtors.

    What exactly is DBA? You mean, they could be licensed under some OTHER name?

    They still dont show the permit # on the letter
     
  9. lbrown59

    lbrown59 Well-Known Member

    Re: Re: Re: No License For Skip Chase Associate

     

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