nebulastar

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About nebulastar

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    Ohio
  1. Yes, all 4 requests for validation were sent CRRR. I got the basic outline of the letters from this forum. They refuse to give an accounting of the "collection fees" and what legal right they have to charge the amount they are asking. The contract states "reasonable fees". They just keep ignoring our requests for this information. They seem to think that they have validated properly. We just aren't sure what to do next. Thanks for your responses Nativechild. The debt is within the SOL.
  2. 30 days have come and gone. The CA hasn't validated so I guess what proper validation would be is a moot point. I would still like to know if anyone can help. Thanks in advance for any help given.
  3. We were sent a signed copy of our rental lease as DV from CA. They highlighted the clause which states that the landlord may collect fees if tenant defaults on lease. There was a typed letter from the OC listing a lump sum fee of $XXX for "collection fees". We sent them another letter requesting a itemized bill of the collection fees. They once again sent a copy of the lease with the same clause highlighted. Do we send another letter requesting info again? Also do they have to prove that the apartment was rerented on the date they claim? We know that this will have to be paid eventually but we just can't do it now so we are trying to stall for the time being. I am confused as to what constitutes proper DV. I have read posts in several forums regarding this. Some have stated that you should ask for proof that the CA has either purchased or been assigned the debt. I have also read the fact that they have info regarding the account is proof. I have also read that the CA isn't obligated to supply the debtor with their agreement with OC. Thanks in advance for any help given
  4. I thought it was a good question too. I hope that someone has a good answer for us both.
  5. We were sent a signed copy of our rental lease as DV from CA. They highlighted the clause which states that the landlord may collect fees if tenant defaults on lease. There was a typed letter from the OC listing a lump sum fee of $XXX for "collection fees". We sent them another letter requesting a itemized bill of the collection fees. They once again sent a copy of the lease with the same clause highlighted. Do we send another letter requesting info again? Also do they have to prove that the apartment was rerented on the date they claim? We know that this will have to be paid eventually but we just can't do it now so we are trying to stall for the time being. I am confused as to what constitutes proper DV. I have read posts in several forums regarding this. Some have stated that you should ask for proof that the CA has either purchased or been assigned the debt. I have also read the fact that they have info regarding the account is proof. I have also read that the CA isn't obligated to supply the debtor with their agreement with OC. Thanks in advance for any help given.
  6. I am waiting for a response to a DV letter regarding an old utility bill. Since they can't produce a signed contract, am I correct to assume that the fact that you lived at address is proof? Also what would be proper validation in this case? Thanks in advance for any help.
  7. nebulastar

    NCO

    My friend received a letter today from NCO stating that he had "failed to keep his payment arrangement". They are demanding payment in full within 3 business days. They also referred to the OC as their "client". My friend was told by the OC that the debt had been sold to NCO. What is going on here??
  8. They have all been informed in writing. They don't care my reasons, they want their money. And they should be paid but I am unable to make any payment arrangments until I am employed again. I have found that most CC companies are forgiving for a few months.....after that they start demanding payment in full. Even if I were to start working next week I would never be able to catch up. Several have refused all along to lower my interest, forgive late charges. I can't negotiate with them if that is their position. I have weighed all my options and think that filing BK is my best course of action. If anything in my situation were to change or the CC companies decided to be a bit more flexible, I would reconsider.
  9. I have had no response from the 2 CA that I sent DV letters to. The other CC companies have been sending my regular monthly statements and /or form letters stating that my account is past due......asking me to call them to make payment arrangements etc. I haven't been receiving any calls due to a recent move and number change. I am waiting until I have enough money to file ch 7. What should I do now? Let sleeping dogs lie? I am concerned that the CC companies will attempt to sue me prior to my filing BK. Any thoughts/suggestions would be appreciated.
  10. nebulastar

    NCO

    No one has any suggestions?!? We are really at a loss as to what to do next.
  11. nebulastar

    NCO

    An interesting turn of events regarding NCO. My friend paid debt in full. Home closing was days away and this needed to be resolved prior to closing. Along with payment he enclosed a letter stating per their telephone conversation, upon receipt of payment, NCO would delete from all CR. A week later my friend received a call from a "supervisor" from NCO whom he had spoken to on one other occasion. He said that they were returning my friends payment as they weren't prepared to meet his "demands". Nothing has been returned .....so far. ( Another week has passed) My friend is unable to check on status of money order sent. (Post Office requires 30 day time lapse) My question.....how does he proceed now? Wait until 30 days has passed to see what NCO has reported on his CR? Dispute with CRAs? I would appreciate any advice given.
  12. nebulastar

    NCO

    NCO has been nasty. My friend offered full payment of debt and they still won't send anything in writing. This has been going back and forth. Unfortunately this must be paid prior to house closing which is only a few days away.
  13. nebulastar

    NCO

    Thanks for the info.....unfortunately there is no time to send DV letter. This needs to be paid ASAP.
  14. My friend said that he is going to wire the money on his way home from work. NCO (low level supervisor)is claiming that they can't send anything in writing stating that they will delete collection item from CA. Anyone else have a different experience with NCO?