Validation Letters

[vgee]

Should I sign the letters to the OC?

[Astkhik777]

Hi i am new in this forum, I want to ask a question for my credit report i had this collection for 3 years now and can't remove it....they have no proof i know. I had a accident and i left my car to the body shop with pink slip the insurance company paid for my car in full. after 1 year car gets towed by some towing company they send me a bill for 800....i told them i am not paying it is not my property any more...they keep sending it calling my work place treaten me. I am lost dont know what to do...please help me

[Trish]

Originally Posted by vgee

Should I sign the letters to the OC?

I don't think it would hurt anything.....but personally......I don't sign anything unless they specifically ask for it.

[Trish]

Originally Posted by Astkhik777

Hi i am new in this forum, I want to ask a question for my credit report i had this collection for 3 years now and can't remove it....they have no proof i know. I had a accident and i left my car to the body shop with pink slip the insurance company paid for my car in full. after 1 year car gets towed by some towing company they send me a bill for 800....i told them i am not paying it is not my property any more...they keep sending it calling my work place treaten me. I am lost dont know what to do...please help me

Whoa....that is illegal (calling and harassing you at work).
Send them a DV letter with a limited Cease and Desist. They have to provide proof of the debt OR stop ALL collection activity. If they continue to call you, get as much proof as you can (pictures of caller id, testimonies from co-workers, recorded calls - if it is allowed in your state) and you have them on violations. You could threaten them with a lawsuit.......that ought to make them stop.

[coldweatherMN]

Why would you not sign the letter you are sending to the CA? that seems kind of sneaky.

I'm guessing you don't want them to forge it onto something else?

I would think for it to be a legal document it would require a signature.

[jjgross]

Originally Posted by coldweatherMN

Why would you not sign the letter you are sending to the CA? that seems kind of sneaky.

I'm guessing you don't want them to forge it onto something else?

I would think for it to be a legal document it would require a signature.

Because they can scan it on to a different paper like a contract,a x is a legal sig with a witness and a id,yes there are still people who can't read and write.

[Trish]

CA name
CA addy

Greetings:

In a recent review of my credit report, I noticed that your company has placed an erroneous and derogatory entry, claiming that I owe you $XXX.00. I have no account with you, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since you saw fit to place this item on my credit report, you obviously have all the information you need in order to investigate and correct your error.

Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please also be aware that a sworn affidavit from your compliance officer does not constitute a valid validation of this debt.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion .

I also hereby reserve my right to take private civil action against you to recover damages.

Sincerely,
Your name

[klnell]

Originally Posted by Trish

You should give them the acct # as it appears on your CR or collection letter.
That way they know which acct/debt it is. NEVER give them your SS# and NEVER sign any letter to a CA.

I've signed every validation letter I sent out last week. What type of trouble will this cause me?

[jjgross]

Originally Posted by klnell

I've signed every validation letter I sent out last week. What type of trouble will this cause me?

Maybe not a lot.A lot of state ag's are coming over to the consumer side.There starting to close a lot of ca's down.

[cleaningup]

So what would be the next step when a CA fails to propperly validate? (I think I have read it somewhere on here but can't find it...)
I have sent a DV1 and DV2, only to finally receive a print out of a computer screen with the amount they are saying I owe them....