Those crazy collectors. Here's what I have going.... 1.)About 45 days ago, sent validation to CA. Never recieved response, but ORIGINAL creditor sent copies of bills. 2.)checked my credit report and they did note it as 'disputed' (guess they did one thing right) 3.)about to send my 2nd validation, asking for info on debt and how they have verified it. Now, I'm confused about a coupla things...if they don't verify AGAIN, do I sent my proof to the CRA and ask them to remove this debt? OR do I send them a scary (to them!) estoppel letter saying they better remove, and if they don't, then sue? Thanks all you consumer warriors! -gat
First, the ca is the one trying to collect. They must be the ones to validate, not the original creditor. Secondly, why are you sending a 2nd validation? Send the estoppel now. Then after 30 days you can send copies of everything to the cra telling them to remove it.
oh. uh. Why am I? Well, um. I guess because every site has a second letter? And, you know. I could be all nice and they're not and a judge would soooo get my back maybe? If it's not neccesary, I'm glad, but how come lots of people say send 2 validation letters? And do I have to have an estopel to send to the CRA? Does that work, sending it to the CRA? Thanks for the info!
I don't know who says to send 2 validations, but there is no valid/legal reason to do so. Send the estoppel to the collector. Then after 30 days, you send copies of all letters you sent the ca, as well as copies of the certified cards, to the cra with a letter explaining that you have requested validation from the ca that this acct is yours, but they obviously have no proof or they would have sent it to you. Therefore, you are requesting that they remove the listing from your report.
