Financial credit corp sent me a proposal to pay an account for Bally's Health club for $1267.00 and they were offering me to bay half the amount. The story is that Financial credit corp which is Asset acceptance corp sent me the same letter about 5 months ago Offered the same deal and when i sent my validation letter they stopped contacting me and after 3 months another collection agency by the name of PDI management services sent me initial communication letter asking me that they are collecting on this account for their client which it was a different company beside the one I mentioned. So I sent PDI a validation letter and after i didn't hear from them for about 40 days I sent another 15 days validation I received the Green Card on it stamped that they received it on Sept-30, On Oct-1 they sent me a letter saying "Regarding the letter dated Sept-20,2002 about your account in our office . Your account in our office has been closed and we have since halted all collection activities. The statue of limitations has expired on this account and due to its age there has been no credit reporting. If there any other question that we can answer for you please feel free to contact --------- at --------. Yestarday i went to the post office and oppened my p.o.Box and found a letter again from financial credit corp about Bally's account offering the same thing again for me to pay half of the amount they claiming that i owe which they never validated in the first place about 5 months ago . What should i do , Should i send a nother validation ,Should i send a copy of the letter that PDI sent me showing them that the SOL has expired Or should i send Intent to file suit and seek legal help. Please advice THANK YOU in advance
I would send them a letter telling them they are in serious violation of the FDCPA for continued collection activity after receiving a validation letter 5 months ago. The fact that they sent it to another ca, and then 5 months later get it back, does not mean they don't need to follow the original validation letter they received. You could also attach a copy of the other letter showing it as past the sol. Then tell them that this letter also constitutes a cease and desist demand and if they attempt to report this to any cra you will immediately file suit for any and all damages available to you under the FCRA and the FDCPA for their continued violations under the same.
