Received a letter today talking about, we bought your account, blah blah blah and we will settle for 50%. Well I bet they would! The letter is not even addressed to me! It is addressed to Paul ______ and I am not him. The last name is the same but not the first name. This may in fact be a debt once owed by me or my ex but since they've bought it and now begun corresponding with Paul and not me, where does that leave me? Should I not respond at all or should I acknowledge them or what? I've used validation in situation where the debt was mine and I disputed the amount. However I have not ever had one where they got the name wrong.
SORRY PAUL _________ DOES NOT LIVE AT THIS ADDRESS...as a one time courtesy I am returning this letter to you at my expence...any future CORRESPONDENCES YOU WANT TO SEND PLEASE INCLUDE A CASHIERS CHECK FOR $100 PAYABLE TO BARER
Re: Re: Re: What's up with MCM Midland? Well, if it turns out that it's mine and they come after me in court, will I be up the creek with no paddle, or will I just tell the judge I am not Paul? After all, I don't know what records Midland has at their disposal. Maybe validation would be an option? The debt is within TX SOL and the amount is somewhat large......they say $8500 but I have no proof from them. Help.......kinda confusing. I've read all the validation posts and been on the boards for awhile now but this one truly stumps me. I just know that I must be very careful so I don't gett too excited over their screw ups and screw up myself. Thanks for your help and patience.
Re: Re: Re: Re: What's up with MCM Midland? SOMEBODY KNOCKS ON YOUR DOOR WITH A SUBPENA...is PAUL _____ HERE??? Nobody by that name lives here...you got the wrong address...THE END MAIL--->RETURN TO SENDER...UNKNOWN ADRESSEE
I think I might validate. Just don't put your name on the letter. Send them a copy of their letter. Just because the name is wrong doesn't mean they don't have the right SS # somewhere. Just my .02
Thanks for your thoughts jlynn and george. i am going to have to think on this one. i tend to lean towards what jlynn says but then again i guess even if midland were to get a judgement it would be pretty easy to have it vacated if it appeared on my CR as I am not Paul and Paul is not I..........have to chew on this one awhile, at least for 29 days or so......lol!
Re: Re: Re: Re: Re: What's up with MCM Midland? Hell, accept service for Paul. You'd likely be doing him a favor! By the time he realizes they've got a judgment against him that he can easily vacate for defective service, the SOL has run on their claim against him.
Re: Re: Re: Re: Re: What's up with MCM Midland? jlynn, flacorps.......here's the response i have tentatively decided to send them once it gets closer to the christmas/new years holidays.........see what you think about this.......i borrowed from different places........... Midland Credit Management P.O. Box 939019 San Diego, CA 92193 December 23, 2003 NOTICE This notice is my response to your unsigned letter dated December 1, 2003 [copy enclosed]. As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, nor have I ever even heard of you and the addressee does not reside with me, I must ask you to provide the following information: 1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary and this notice is being provided to you as a one time courtesy. This is a request for information only, and is not a statement, election, or waiver of status. I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief. Cordially, TallSmith
Re: Re: Re: Re: Re: What's up with MCM Midland? oops.....sorry george did not mean to leave you out.....i know you usually have .02 if you're on the boards!!
Re: Re: Re: Re: Re: What's up with MCM Midland? SOMEBODY HERE SUGGESTED NOT USING THIS---->I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief. I'M NOT AN EXPERT THOUGH... $500 FOR YOUR TROUBLE???
