In the past couple of days you posted the three things that a CA must give you to provide proper validation. I've been looking desperatly for that post but due to the volume of posts, can't remember or find which one I saw it in. Could you please re-state the three things. This time I promise, I'll print it out the first time
1. Full and accurate accounting of the alleged tradeline is required. (i.e. they cannot just throw out a $ amount and not fully explain how they arrived at that figure) 2. A signature of the consumer on a contract. Those two are a given. And having one, but not the other is not good enough, they need to have at least both, and probably more. Now there are several others that may or may not be relavent. If the account was being paid on, then stopped, they would need to at least produce copies of thost previous payments (like a copy of check or m/o)made by the consumer. But this alone does not constitute validation, because, hey, maybe the consumer didn't "realize" what they were paying on was something they didn't owe, (It happens). There are others, just drawing a blank at this moment. Maybe my good friend Butch can help me out here.
Sure do.... I have yet to have a CA actually validate. Instead, they like to just ignore and not send anything. On the odd chance I do actually get some sort of validation, I want to know what to look for. I was under the impression that the first attempts for validation should be prove it and then after they sent you some half ass validation, you could then send the questionnaire along with another letter requesting proper validation. I know that the first thing that they have to provide is that Original contract with certification. They also have to give you the method of how they calculated your debt. The third is what I'm stuck on.
rblues, I believe it was something like "proof that they have contracted with the OC (or I would assume a previous CA?) and are legally entitled to collect the debt." DemPooches
