Background - DH has Crap 1 co from last year. Turned over to Viking. Sent dispute/validation within 30 day window in November. Never a reply. Today I received this letter which says its from Cap 1. We realize circumstances can sometimes blah blah Our solutions team at Viking Collection Services can work with you to find a plan that fits your needs. They have a variety of solutions... Gives an 800 number to call - it is answered "Viking" Call now and take the first step toward improving your credit record. This one quick call could also help make it easier for you to borrow money in the future. At Cap One we've been coming up with ways to help our customers deal with special circumstances... And when you call don't forget to mention the reference code xxxxx. At the bottom in miniscule print is the mini-miranda. This communication is from a debt collector. There is no return address, no envelope, and no amount mentioned in the letter. This smells dirty, but I can't put my finger on it for sure. Any opinions?
jlynn, I'm with you on this one. Got the same think with a different CA. I'm not sure, but I don't think I like it. Let me know if you find out more. Thanks, Patti
HHHUUUMMM Sounds Like a job for .........MIGHTY SPY!!!!!!! It is almost Leprechaunish!!!!!! Is it a new form of skip-trace??? or reageing??? I am confused ...so it is Viking and Crap1 in a joint effort to try to be your friend????
Thats my point...its says its from Cap 1, but the numbers given are for Viking. I also smell the possibility of now being able to throw Cap 1 in the pile for FDCPA violations. BTW it came in an unmarked envelope (as debt collectors are supposed to send in), but the return address is Richmond, VA.
BBBRRRRAAAHHAHAHAHAHAHAH As Phoebi from "Friends" says Im so excited Now I Can do the PLAN LAUGH!<laughing in the deep vampire midnight laugh> BRAHHAHAHAHAHAHAHA
I've gotten these too. I think it's a form letter they send out hoping someone calls and pays. A lot of these companies have automated mailers that go out on a scheduled basis. Don't fall for it.
Oh, I'm not falling for it. But is this continued collection activity without validating since there are no amounts or requests for payments? Which I'm sure would be the outcome of me calling them.
Well Jlynn I would take it as continued collection activity...after all, the mini miranda says....This is an attempt to collect a debt...They may have left out the dollar amount but they certainly made their intent very obvious in regards to why they were contacting you. Sneaky bastards...LOL
Sent dispute/validation within 30 day window in November. jlynn ==============Why is every one hung up on a 30 day window here lately. It was never a problem before. What gives - did they change the law? The END ************************* LB 59
Re: Re: What do you make of this? Well Jlynn I would take it as continued collection activity... kathycmh |========= ================= Nothing but! The END ************************* LB 59
Re: Re: What do you make of this? What are the specifics about the 30 day window? Do you mean that she does not have to wait the entire 30 days to recieve the validation?
Re: Re: Re: What do you make of this? People are getting the screwed up notion that you forfit your rights to proof of claims against you if you don't ask for the proof within 30 days. Some folks can't read and others don't understand what they read after they read it.
If it is from Cap1 then they are not bound by the FDCPA and can send you piles of letters telling you who to call. However, check your State's collection laws. Some include both the OC's and CA's - if yours does, see what kind of restrictions are placed on collection activities. 0
Re: Re: What do you make of this? There is nothing that says you can't request validation outside the 30 day window, but there are some pretty clear points in the FDCPA if you validate within 30 days of that notice, that IMHO are grayer outside of that window.
Re: Re: What do you make of this? That was part of my point mentioning this letter. It SAYS its from Cap One, but there are no addresses on it, it says to call their collection agency, and only gives the CA phone number.
Re: Re: What do you make of this? Well, if I got a letter like that I'd already have them in a trap and headed down the primrose path. When they do something like that they are literally begging for it. In fact, that's two violations right there.
