Partial Success with Portfolio Recovery PFD

[zyal8trr]

Okay, after multiple emails to Portfolio Recovery Associates CA, I finally heard a positive reply. Basically they say, if the full balance is received by May 19th, they will remove the tradeline, although, they did not attach any sort of documentation to the email. From what I've read here, I should get some kind of formal letter in which they sign and I sign so the PFD is legit.

What should be next reply be to them? I just want to make sure I go about this the right way so I can hold them liable in case I send them a cashiers check and they decide not to remove the tradeine. Any advice is appreciated, thanks!

[chane]

If you can get it in writing that would be great. If not, I would go ahead and do it anyway and hope for the best. At least try to get their personal phone number so you can keep calling them to remind them that they promised remove and keep on them until it's gone.

[zyal8trr]

Originally Posted by chane

If you can get it in writing that would be great. If not, I would go ahead and do it anyway and hope for the best. At least try to get their personal phone number so you can keep calling them to remind them that they promised remove and keep on them until it's gone.

Thanks Chane. I went ahead and responded to them and this is what they replied with:

"We typically report approximately 30 days after the final payment posts. If payment is made with “good” funds, i.e. cashiers or certified check or credit card I can expedite that process. I can also at that point provide you with a copy of the deletion request as well as letter of deletion. I would keep a copy of these emails as proof as we have no approved letter that addresses this topic. These emails are also attached to the permanent account notes."

Pretty solid response. Do you think it's enough to cover me in case they decided to back out on their end of the bargain? Thanks.

[chane]

Yea, just ask them if you can get it in writing. Whether it be them faxing or emailing you a signed copy or whatever. CAs are notorious for telling you whatever you want to hear to get your money. They are bottom feeders. The person you talked to may not even have the power to remove it. So, try to get it in writing if you can. If you absolutely can't, I don't know. I would still pay it, especially if it is a valid debt of yours. It's much easier to dispute a paid debt anyway, if they won't remove it as promised.