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  1. I was hoping to get some feedback from those of you who are familar with fighting Midland Financial in California. In response to my RFP, Midland provided me with documentation that includes an affidavit from Chase confirming the sale of a "pool of charged-off accounts" to 'ABC Company' and an affidavit from 'ABC Company' confirming the sale of a "pool of charged-off accounts" to Midland. There is also a Bill of Sale between 'ABC Company' and Midland. They provided a print out of my account information that says it is from the electronic records provided by 'ABC Company' pursuant to the Bill of Sale to Midland. There is no Bill of Sale between Chase and 'ABC Company,' only the affidavit confirming the sale. There is no print out of the account information pursuant to the sale of the account from Chase to 'ABC Company.' In addition, none of the affidavits or other documents include any file names, descriptions, or identifiable infomation concerning the pool of accounts being sold. This information appears to have been included on the original Bill of Sale to Midland, but is redacted in my copy. I received these documents from Midland in April, two months ago. They haven't sent me any discovery questions yet. After reading through several message threads, it's my understanding that the affidavit from Chase doesn't prove ownership of my particular account was sold. If this is the case, what should my next step be? Have I done any harm by allowing two months to pass since receiving the documents from Midland? With the help of my husband, I just realized the Proof of Service for Midland's response to my RFP may be invalid. The Proof of Service does not include a date of mailing. According to California Code of Civil Procesure, Section 1013a. (1), the date the item was deposited in the mail must be provided. The person making the service left the date field blank. If the Proof of Service is invalid, is this something I can use in my favor? Lastly, when it comes to the RFP I sent to Midland, was I supposed to file this with the court? I have a Proof of Service completed by a friend, as well as a certified, return receipt. Thanks for your help!
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