2 Questions re: DV

[aimhigh]

Question 1: I received my DV letter returned for NCO with the message "forwarding order expired". Should I hold onto this letter until I locate their new address?

Question 2: Received letter from RJM that is for my old Providian acct that states when the acct was opened, my social, my name, last payment, and prev address. And that they are ordering the information requested. They want me to fill out their "notification of dispute" form. Do they have additional time to order this info or do they need to take it off? And should I fill out their form?

[Smitty]

<blockquote>Originally posted by aimhigh

Question 1: I received my DV letter returned for NCO with the message "forwarding order expired". Should I hold onto this letter until I locate their new address?

</blockquote>

I keep files on each one of the CAs I have had to deal with. Yes, I think you should hold on to it and keep it filed just in case things turn nasty.

<blockquote>Originally posted by aimhigh

Question 2: Received letter from RJM that is for my old Providian acct that states when the acct was opened, my social, my name, last payment, and prev address. And that they are ordering the information requested. They want me to fill out their "notification of dispute" form. Do they have additional time to order this info or do they need to take it off? And should I fill out their form?

</blockquote>

Someone can correct me, but I would view this as tactic on their part that they use for everyone because they assume WE are not as educated. My concern about this would be that what they say they are doing is probably not actually being done.

See, they probably figure that you're not going to expect results back from them if you don't fill out this little form they have that is not even required by law in the first place. But, they're going to play that nevertheless. I'd bet you'll never hear back from them, especially if you don't send them the form. However, you are not required to send them back the form in the first place.

I hope I'm making sense...maybe not...but to bottom line it here, I think its kind of a bluff thing, so give them the 30 days and if you don't hear anything else back from them, send them the second letter to let them know you're not just some Joe(or Jane) Schmuckatelli and that you REALLY do know what you are doing, so they better get off their butts and do something!!

[aimhigh]

Ok thanks. It totally makes sense. I just wanted to make sure they couldn't get ME if I didn't return their stupid form. lol

[cybercrusader]

Yes, I agree with what was said. You aren't required to fill out any "dispute notifcation forms". Why help them do THEIR job or give them any more info? You've already done your part by sending out the validation letter. The ball is now in THEIR court. It cracks me up when CA's ask that you provide them with information of ANY kind.

[BrassFan]

<blockquote>Originally posted by aimhigh

Question 2: Received letter from RJM that is for my old Providian acct that states when the acct was opened, my social, my name, last payment, and prev address. And that they are ordering the information requested. They want me to fill out their "notification of dispute" form. Do they have additional time to order this info or do they need to take it off? And should I fill out their form?</blockquote>

Well, I definitely wouldn't fill out the form. But, as far as having additional time...The CA doesn't have a time restriction on a DV request. They can take all the time they want. If they are ordering info from the OC, then you want to dispute with the CRAs. The CA needs to notify the CRA that the information is in dispute. If they don't, they have violated the FDCPA. You can use that to start building a case against them. Once you get a handful of violations against them, you can threaten to sue them...then offer to settle with them, you'll drop your suit if they remove the listing from your CR.