Validation..opened a can of worms

Did they send it CRRR to you? If they didn't, you never got it. I believe sending the estoppel letter would be the next step here. Even if they re-send you the info. they've sent the first time through regular mail, ignore it and send proof (copies of green cards, validation letters, etc) to the CRA's. Hopefully it'll fall into the hands of a "nice" CRA rep. and they'll just delete without re-investigating (holding the CA to a higher standard this time though)

 

I'm sorry, but I have to disagree with this one...I think. Part of me says that you should deal with this CA upfront and honest, because they are at least following the law and respecting your right to get the validation. On the other hand, it's a losing proposition if you do pay, because you'll still have the black mark on your credit. I'm wondering if you're dealing with a rare and fair CA? Perhpas you could negotiate...pay the debt for removal, get it in writing. If they're honoring your validation, then perhaps they'd honor a deletion for payment as well. I don't know, it's just a thought. Most CA's are so dishonest and lack the paperwork to back up their allegations, etc. This CA sounds like they are willing to play by the book and be fair. Maybe I'm just too optimistic?

Calmest_LA

 

Oooooh that is good! I'm printing out this thread just in case I have the same result with my C.A.

Very good mindcrime


GT

 

Thank you dfwgt

 

If you want to pay it, but don't want to confirm it's yours say, "I can't remember ever owing company A, and I'm not sayig I do or don't but, I am trying to buy a house and this keeps oming up as an issue. SO I will pay if you delete it completely." Get it in writing, it worked for me.
KHM

 

You probably shouldn't say you're looking to purchase a home, or obtain credit, because a vindictive CA could use this as leverage against you to pay them more than say settling on 25%.

 

Mind-
I thought that too, but it's not. The SOL can only save you from a judgement. It can report for up to 7 years, I think 5 in NY?
KHM

 

KHM- You're right. Got confused between those two. And yes, I believe it's 5 years in NY.

 

I think they validated. I would play by the rules - I did, as a matter of fact. What's this all really about, anyway?

 

Here is one problem with their alleged validation. They should have sent you the original check.I never accept a copy as proof.Why don't I accept a copy you ask? The answer is simple a copy can be altered to easily.I know B/C I had it happen to me on 5 checks.
Another reason I don't accept copies is because as long as the original check is out of my possession it can be passed around from party to party.and can come back to bite me over and over again.Another point just cause they have a copy of the check it doesn't mean it hasn't been paid or that you owe for it.
Is the copy you received a copy of the original check or is it a copy of a copy that has been altered?The only way to tell is by seeing the original check.

 

They do not give the check back unless it is paid.. It is their proof that the debt is unpaid.

 

They don't?
I have never paid one that they didn't give it back to me first.

 

OK

 

I completely agree with breeze here. They validated which is exactly what you asked them to do.

 

When was this debt paid??

You are stating you will only accept the original check as "proof", well when they cashed the check the original check went back to her bank and then should have gone back to her.

 

The phone co. sent me copies of altered photo copies of 5 checks.
Would you call that validation or proof?

 

I'm not sure since I am not Christi, but it seems like this might be a notation for a bad check and they sent her a copy of the unpaid check they are trying to get her to pay?? As opposed to say an unpaid bill, like a medical collection or credit card.

 

There was never any debt owed to be paid.

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Not 1 of the 5 original checks was never produced by the phone co.their bank or my bank.