Anonymous Posted June 9, 2003 Report Share Posted June 9, 2003 I received an online CC and stayed current for the first year.Then I got a letter saying the company was going bankrupt, and got no more bills. After several months of limbo, I get a letter/calls from NCO telling me to pay in full.I also find out my fathers' info( we share the same name) was used by the original CI.I'm told " either you pay us or we'll sue your Dad." OUr 1st DV letter results in a printout of charges, with no original contract or signature. What do you guys think - where do we stand? Link to comment Share on other sites More sharing options...
DocDon Posted June 10, 2003 Report Share Posted June 10, 2003 Who is NCO collecting on behalf of? Did the CC company simply file BK, or are they done, gone, outta here? There's some pretty big chunks missing out of this puzzle. Link to comment Share on other sites More sharing options...
Anonymous Posted June 10, 2003 Author Report Share Posted June 10, 2003 Right - the original lender was called Nextcard, and is longer to found under that name; vanished.If they're operating under a new name, I don't know. Is this important? Link to comment Share on other sites More sharing options...
DocDon Posted June 10, 2003 Report Share Posted June 10, 2003 O.k. first thing you do is write a DV letter to NCO. Tell them they are to cease all communication via phone, including contact at your place of employment. Mention also that it is a violation to discuss collection matters with third parties, and a violation to threaten you (going after your dad), and harrass you. It is also a violation to threaten a lawsuit if there is no intention to bring forth such litigation. Print a copy of the FDCPA from the link on top of this page, and quote the appropriate sections in the letter to NCO. Send this letter Certified/Return Receipt.Write a second letter to your state Attorney General outlining NCO's behavior and violation of the FDCPA.If your account is still held by Nextcard and has been sent to Collections:Collections Dept: 877-869-7514 Payment Website: www.cardmemberservices.net/nextcard Corporate Office:3490 Piedmont Rd. Suite 900Atlanta, GA 30305Phone: (404) 965-6000Fax: (404) 965-6073 If your account was transferred to Merrick Bank:Merrick BankCustomer ServiceP.O. Box 9201Old Bethpage, NY 11804-9001877-790-5648 (Toll Free - 24 hours a day, 7 days a weekCorporate Info: Merrick BankP.O. Box 5000Draper, Utah 84020-5000Phone: 801-545-6600Fax: 801-545-6400Credit Department fax: 801-619-3744Weekdays, 8:00 a.m. to 5:00 p.m., Mountain [Edit by DocDon on Tuesday, June 10, 2003 @ 12:06 AM] Link to comment Share on other sites More sharing options...
Anonymous Posted June 10, 2003 Author Report Share Posted June 10, 2003 Thanks for your help. We've sent out one DV letter, and they sent us a printout of charges. No signed contract. Should the 2nd letter ask for a signed contract? I don't think they have one. Link to comment Share on other sites More sharing options...
DocDon Posted June 10, 2003 Report Share Posted June 10, 2003 <blockquote>Originally posted by deStauntonThanks for your help. We've sent out one DV letter, and they sent us a printout of charges. No signed contract. Should the 2nd letter ask for a signed contract? I don't think they have one.</blockquote>If you applied online, there is no signed contract. If the printout appears to be reguritated information off their screens, it's not validation. Validation has to come from Nextcard. Link to comment Share on other sites More sharing options...
Anonymous Posted June 10, 2003 Author Report Share Posted June 10, 2003 Thanks for your comments! This sounds like a point in my favor, and might be why the CA hasn't filed suit... Link to comment Share on other sites More sharing options...
Anonymous Posted June 12, 2003 Author Report Share Posted June 12, 2003 I've been studying other posts for a clearer picture of what the second letter requesting validation should say, and am still a little hazy. So far all the CA has sent me are printouts of old bills, including ones never received before. I'm sure they don't have a signed contract because I never signed one. They do have the signature from my 1st validation letter - oops! Link to comment Share on other sites More sharing options...
Anonymous Posted June 18, 2003 Author Report Share Posted June 18, 2003 Is there a form to use for DV letter #2 - to be sent after the CA responds to letter #1 with only a printout of bills? Link to comment Share on other sites More sharing options...
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