Ok, I received a printout of a water bill as validation. Now, I know that it doesn't prove anything. There is no signature, just name address and amount. My question is, I know that they can't verify the account w/ the CRA's while in the validation process. But, since they did send something, is this still considered the validation process? I'm wondering if the accounts get verified this week, is it still a violation?? I'll send the estoppel out this week, or maybe validation #2. I'm so afraid of ending up having to sue, and I'm way too chicken. I'm just trying to get them on violations, so they'll settle for deletion. They never placed the account as in dispute w/ the CRA's, so there is one violation. I'm wondering if they verify, if it'll be violation #2? Should I mention that I have them on violations when I write the next letter????
If they have not validated, then it is a violation. Send the C&D, estoppel, or 2nd validation request and demand they delete or you will sue. Same time send procedural request to the CRA to formally request the information (even though it will not yield what you are entitled to). -Peace, Dave
