Scenario, Received letter from XXX_debt_collectors.LLP that they represent YYY who purchased my account from Providian Bank(O.C). Since XXX_debt_collectors are functioning as debt collectors and NOT owners of the purchased debt can I just send them the cease and desist? From that point deal with the YYY who currently owns the account ? I was about to sent out a validation letter to XXX_debt_collectors but they don't own the debt. They are trying to collect the debt for YYY who purchased it from Providian. Thanks
As far as I am aware it does not matter that they do not own the debt. You can still request validation which they must then in turn get from the OC and send to you. Who is currently reporting the debt is it the CA or the OC. You need to be dealing with the party that is reporting the debt as they are the one's who willultimately be responsible for the UDF.