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same name/validation

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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?

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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 900

Atlanta, GA 30305

Phone: (404) 965-6000

Fax: (404) 965-6073

If your account was transferred to Merrick Bank:

Merrick Bank

Customer Service

P.O. Box 9201

Old Bethpage, NY 11804-9001

877-790-5648 (Toll Free - 24 hours a day, 7 days a week

Corporate Info:

Merrick Bank

P.O. Box 5000

Draper, Utah 84020-5000

Phone: 801-545-6600

Fax: 801-545-6400

Credit Department fax: 801-619-3744

Weekdays, 8:00 a.m. to 5:00 p.m., Mountain

[Edit by DocDon on Tuesday, June 10, 2003 @ 12:06 AM]

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<blockquote>Originally posted by deStaunton

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.


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.

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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!

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