Good Afternoon, I would like to know if there such a letter for those who live in Canada. Also if there are any Canadians on the board who was successfull using the tactics outlined in the Original nut case letter. I would greatly appreciate everyones help or suggestions that you might have. Thanks Rza
The Nutcase series of letters was developed for: -- fully paid creditors -- whose tradelines are really bad (to include everything from late payments to chargeoffs, so long as the debt is now considered to be paid in full) To summarize its intent in a sentence, the series aims to intimidate and irritate already-paid creditors with insinuations of probable legal action in an effort to effect a tradeline alteration. The overall concept would certainly apply in Canada. However, any language that references the FCRA should be altered to reflect the coincident Canadian consumer statutes. I've not seen much written about those on this site or elsewhere, unfortunately, but I would love to learn more about them. Perhaps you'll be our teacher, lol! "Nutcase for Canadians" would certainly be a wonderful addition to our shared fund of knowledge. Doc
Thanks Doc, much appreciated. I do have a copy of the Canadian Consumer Reporting Act it varies from each province. What I wanted to do is use the original Nut Case Letter with adjustments pertaining to Canadian law. The trouble that I might have is to find back up showing cases of Consumers vs Creditors or Credit bureaus who have failed to comply with the law and has lost the case as such proff shown in your letter. I would greatly appreciate any suggestions or ideas that you might have. Oh just to get your opinion of the following situation. I have a credit card charge off from a bank that has been paid off in the past 1 1/2. However I am still doing business with the company in question, I have a student loan with this company. Could I still use the nut case letter with the adjustments to have the negative remarks taken off. Thanks Rza
Rza, most of time I recommend going the Goodwill Letter route for creditors with whom the consumer has enjoyed a relatively long-term GOOD relationship but with an isolated late pay or two. If the tradeline was very bad, I might try going with the Nutcase letter, although I must say you'll be blazing a new trail (as far as I know) since I've only ever used or recommended the series for fully paid accounts. As for worrying about a case citation, don't sweat that. "Chase v Manhattan" was only added in the newer revised version of the first letter in the series. Just delete that sentence and then vaguely mention the relevant Canadian statutes where applicable. Finally, post a draft for us to look over! Doc
