Please I need some response on this

Re: Please I need some response on

Hi Robyn,

It's unfortunate that you didn't start with a CMRRR letter. I think the best thing to do here is to start over from square one. I believe they are screwing with you because they know you didn't CMRRR the letter.

Here's what I would do and have done at least 20 times with great results:

1. Send them a debt validation letter via CMRRR (Certified Mail, Return Receipt Requested). Write the certified mail piece number on the letter itself. Don't bother with the questionnaire. Debt collectors laugh at that stuff. The letter asking for validation as per the FDCPA is enough. My letters are worded largely as follows:

2. Once you get confirmation that your item has been delivered (you can get confirmation using the certified mail piece number in the Track/Confirm feature on www.usps.com) and/or the green card comes back to you (caution: sometimes these cards don't come back, but your certified mail piece number and confirmation will cover you) send a WRITTEN dispute of the account to the credit bureau by CMRRR.

3. Wait for the dispute results. If the collection agency re-verifies the account prior to providing validation, then you may have them on something.

4. Go over the CA's entry on your report with a fine-toothed comb. Look for re-aging, inaccurate information, missing notices of dispute. Whatever you can find, put it together in what I call a "Come to Jesus Letter". CJL letter basically says, "You're doing something wrong. You know it, I know it and Jesus knows it. What would Jesus do?" Here's an example:

I like using the CTJ letter because it shows them that you are on to them, but you are willing to let it go if they just stand up and fly straight. Most people with sense appreciate that and act. The problem is, a great many CA employees hate their jobs and are master practitioners of schadenfreude (glee in the misfortune of others) which they also direct at their employers. Simply put, they like it when their employers get sued.

If the CTJ letter doesn't work, put together an INTENT TO FILE SUIT sort of letter. Plenty of example letters are available everywhere. Some people will disagree with my strategy and say go for the money. I guess my strategy works best for those who mainly want a rectified report and who have not been so deeply harmed that a monetary settlement is absolutely necessary.

Good Luck.

 

Re: Please I need some response on

i have another view for this senerio.

since the Ca already sent you a partial validation that proves they responded to your request for validation but failed to fully validate the acct or prove that they had the legal authority to collect the acct.

I would send them a letter as stated above CMRRR
certified mail return reciept requested and put that same tracking # on your actual letter and state the following.

date
tracking #
Agency name
address
etc
re: acct #

Dear blah blah blah.


on ____date I sent FBNI a written request to validate
the above listed acct. on _____date I was sent only this balh blah information.

Please be advised that the information you sent does not properly prove this debt is valid , nor does it prove that fbni has the authority to collect this debt.

I have disputed this acct with the experian on ----- date and fbni has verified this acct to be accurate.

pusuant to the FCRA specifically 1681 a furnisher can not supply inaccurate unverifable information
to any CRA.

fbni had full knowledge that this acct was under dispute and failed to provide the proper validation, furthermore, FBNI continued collection activity by affirming this acct with Experian.

due to the willfull misconduct of fbni, my rights asa consumer have been violated,

therefore, unless this inaccurate unverifiable errenoeous information is immediately removed from my credit report, I shall have a just cause to bring civil action against you for damages.

please send me written correspondance as to your intention to comply with this request by _-------- date ( give 15 days)

If fbni fails to comply with this written request by this date, I shall enforce all legal remendies available to me under the law for damages, and will notify the BBB of your fbni unfair, illegal buisness practices.

I would appreciate your time and assistance to resolve this matter

sincerely
your worst nitemare lol

good luck let me know what happens..

 

Re: Please I need some response on

one more thing pull the BBB reliabilty report for this company in the city where they are located .

address your letter to the person that is listed as the president or CEo contact , I would call prior to make sure that person is still employed as some info may be innacurate.

going straight to the top usually produces better results.

 

Re: Please I need some response on

Hi Gang,

When we forget to begin with CRRR, the knee jerk reaction is to "start over".

Here's what I would do.


Make your second letter in the series. In that letter refer to the "first letter I sent you on xx/xx/xxxx", COPY ENCLOSED.

Be sure to copy it and include it. Put "copy enclosed" in your second letter.


Basically just proceeding along just as tho they received your first letter and won't argue about it.

They may write back and say we didn't get the first one. But I doubt it.



.

 

Re: Please I need some response on

Don't yall see them do this all the time?

In the first letter you get it says "you have ignored us"?

They do that for a reason.



.

 

"Has my name and current address on the left, on the right has Creditor Dish Netwrok, Creditor Acct#82XXXXX balance due $112.18 and then it has a spot for Social Sec # but has nothing but XXX XX no numbers or anything. Thier note says:
"This letter is to confrim the original creditor and balance of your account. Than kyou for your attention in this matter.
If you have questions, please contact our office toll free at .... during..... For proper credit on your account, please write this number 82XXXX on your payment. This is an attemp to ccollect a debt. Any info... SIncerely, Afni, Ic."


I assume AFNI is a collection agency. If their "mini miranda" warning merely states: "This is an attempt to collect a debt and any information obtained will be used for that purpose", and omits ANYWHERE in the letter that they are a "debt collector", I'd immediately file suit in federal court for violation of 15 USC 1692e(11).