I recently sent a CA a request for validation on a debt. They are however still trying to collect on this debt even though they have not validate it. I know this is a violation of the FDCPA. Does anyone have a sample letter that I can use as a guide when I write my own letter notifying them that they are violating the FDCPA? I have done a search on this and don't really find anything.
-What is the purpose of the letter? Informing them of their "violation" will do what?? -IF they failed to reply to the original "letter", what good does it do to send another ? UNLESS a summons is attached -BUT remember, UNLESS THE VALIDATION REQUEST WAS SENT IN THE 30 DAYS AFTER THE INITIAL COMMUNICTION WITH THEM, THEY DO NOT HAVE TO CEASE COLLECTION EFFORTS!
Re: Re: sample letter? Yes it was sent the day after I got their first communication about it. So it is within the 30 days. I would like to send an ITS letter to them for their violation.
Im curious about this "disput within 30 days of initial contact". What if it's been 300 days and I decide to wake up and talk to them for the first time. How do they prove that they initially "contacted" me at an earlier date?? They never go to the expense of sending CRRR. They have no proof I received any contact from them. I don't know about you but I recived mail for neighbor addresses misdelivered, or mail for former occupants. The US Postal service isn't perfect G.H.
"I recently sent a CA a request for validation on a debt. They are however still trying to collect on this debt even though they have not validate it. I know this is a violation of the FDCPA." - YES, it can be a violation of FDCPA 809. Did they send you anything in response?? "Does anyone have a sample letter that I can use as a guide when I write my own letter notifying them that they are violating the FDCPA?" -Just out of curiosity, what would the purpose of the "letter" be? and what if they did not reply?
Click the second blue link in my signature below and read the what is validation thread. It explains the 30 day thing. I don't know why hiding is misunderstanding what the 30 days are all about. ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <>
BUT remember, UNLESS THE VALIDATION REQUEST WAS SENT IN THE 30 DAYS AFTER THE INITIAL COMMUNICTION WITH THEM, THEY DO NOT HAVE TO CEASE COLLECTION EFFORTS! hiding90 =================== So after the 30 days they can report incorrect info right? ><- <>- ><- <> ~~~ ><- <>- ><- ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <>
1*Im curious about this "disput within 30 days of initial contact". 2*What if it's been 300 days and I decide to wake up and talk to them for the first time. How do they prove that they initially "contacted" me at an earlier date?? 3*They never go to the expense of sending CRRR. They have no proof I received any contact from them. goldhummin =================== 1* 2*Seems they don't have to according to hiding. 3*See 2 ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <>
" lbrown59 | 15544 posts since Feb 2001 205.188.197.31 | 04.03.2004 @ 09:51 BUT remember, UNLESS THE VALIDATION REQUEST WAS SENT IN THE 30 DAYS AFTER THE INITIAL COMMUNICTION WITH THEM, THEY DO NOT HAVE TO CEASE COLLECTION EFFORTS! hiding90 =================== So after the 30 days they can report incorrect info right?" -No silly. -THERE IS MORE THAN VALIDATION IN THE "toolbox" of the consumer. -VALIDATION is a "limited" tool. (just about 30 days limited in fact) -FCRA provides all the "power" a consumer needs in order to deal with "inaccurate" reporting- Johnson v MBNA is a good example. -Look at it this way, AFTER or BEFORE the 30 day validation right, USE THE FCRA
