legend Posted March 30, 2004 Report Share Posted March 30, 2004 So here is my first DV letter I mailed and received the green card back etc... Today I get a letter from LTD which I will type out what it says after my initial letter LTD Financial Services7322 Southwest Freeway, Suite 1600Houston, TX 77074March 20, 2004RE: Reference # XXXXXXXXXDear Sir/Madame:Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form. Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Sincerely,MECREDITOR DISCLOSURE STATEMENT 1. Name and Address of Collector (assignee): 2. _______________________ _3. Name and Address of Debtor: ____________________________________4. Account Number(s): _______________________________________5. What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms. 6. Have any insurance claims been made by any creditor or assignee regarding this account? YES/NO7. Has the purported balanced of this account been used in any tax deduction claim? YES/NO 8. Please list the particular products or services sold by the collector to the debtor and the dollar amount of each: Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. ________________________________ Authorized signature for Collector __/__/__Date Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim cannot be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts.They responded with this here, I swear to you lol!!!MEMy AddressBalance due 253.21*************************PAYMENT NOTICE*********************YOUR LAST PAYMENT WAS RECEIVED ON 00/00/0000YOUR LAST PAYMENT WAS .00YOUR NEXT PAYMENT IS DUE ON 04/05/2004YOUR NEXT PAYMENT AMOUNT IS $253.21LTD IS A COLLECTION AGENCY. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSENeedless to say this is not validation I'm surprised though that from the initial DV to them responding was only 8 days. So now I will write them again CRRR and go from there. Arent some CA's just so cute hehehehe Link to comment Share on other sites More sharing options...
DocDon Posted March 30, 2004 Report Share Posted March 30, 2004 Don't forget to report them.That is the funniest and lamest validation I've seen yet. LOL Link to comment Share on other sites More sharing options...
legend Posted March 31, 2004 Author Report Share Posted March 31, 2004 Thanx Doc will do, I will allow then to build up though right? On a much wierder note. My mother received a call regarding Bradlees, Which is what LTD Financial is trying to collect. This call was from ALEGIS GROUP (however it is spelled). My mother wont talk to them so, I ended up on the phone cuz they were very roud and she is 68 and was getting very upset! This woman told me I was co-signer on the account and that the amount was for $845.00! They are both trying to collect on Bradlees account for two different amoounts.I told her I didnt recognize the account let alone owe over $800.00 woman asked if my mother recognized the account and I told her that my mother has been telling you people for a long time she knows nothing about this account! I told the woman I needed a letter so I had account info and proper address and she said no way, they don't have to send me anything! I said but you say I am responsible for the account and I dont know anything about the account, and so therefore you refuse to send me anything on this account? she replied thats correct, we only have to send out one letter and that was sent to your mother!She continued on that this account is in PRE-LEGAL at the moment and that they dont have to send anymore letters to either of us. I said it's funny you have an account in PRE-LEGAL and yet nobody even contacted me that I was responsible for this account, how did you know I wouldnt have just paid it long ago? she replied, Sir why do you want the address to the PRE-LEGAL dept? I said because you justr told me I was responsible for an 800+ dollar account, and in the same breath refused to give me any information on it!The address is Alegis Group 15 South Main Street Suite 700Greenville, SC 29601 PHONE # 864-678-8400 Caller ID says South Caroline.Does anybody here know if in fact Alegis Group has a legal staff? or a legal dept.? I cant find the license in SC because I couldnt figure out how to work their site through lawdog.comI am now going to DV 1st to Alegis and 2nd DV letter to LTD Financial Services, I dont see how 2 collection companies are trying to collect on the same debt, while one company wants $253.21 and the other wants over $800.00! This woman absolutely refused to give me any information on this accouont other than they were now getting it sent through PRE-LEGAL and that if she doesn't pay the account, they are going to file judgments, and possibly leins.I'm not the least bit afraid of debt collectors. I'm not afraid of their threats or cheap talk. I know there is nothing of value they could possibly take. I am asking any of you to please send me the correct spelling of Alegis Group, and any inofo regarding their license in South Carolina? and if your familiar if they have a legal department, or if they threatened me with that for another violation. If I can get the right spelling, I may be able to find company information to check into the legal dept. I'm a wiz at internet research, just not that great with spelling Am I correct then? DV both companies now? With Alegis I dont know if that is even the same Bradlees (citi) as FTD Financial pfft... Link to comment Share on other sites More sharing options...
legend Posted March 31, 2004 Author Report Share Posted March 31, 2004 OOPS forgot to tell ya that I asked the woman from Alegis Group that if I'm responsible for this debt as co-maker, and they refuse to give me notice of collection letter, then is it fair to assume you havent reported a negative to my credit report? Her reply was, "well no sir not yet" I said ya know your a very smart woman and hung up. Link to comment Share on other sites More sharing options...
DocDon Posted March 31, 2004 Report Share Posted March 31, 2004 Alegis is owned by Sherman and they seem to be a CA.Get the complaints filed. There's no need to put up with their crap any longer. Link to comment Share on other sites More sharing options...
sjhnjah Posted March 31, 2004 Report Share Posted March 31, 2004 Yes, as Doc says they are an "affiliate" of Sherman. I am going to try and give you all the names that came on a letter I received from them. All of these are affiliates of Sherman in some shape or form. Don't know how many are used as collectors but...Here goes:Sherman Financial Group, LLCSherman Capital Markets, LLCSherman General Parner SPE, LLCResurgent Capital Services, LLCAlegis Group Loan Servicing, LLcSherman Investments, SPE. LLCSherman Originator LLCSherman Holdings, Inc.Alegis Group, LLCAlegis Group LPNassau Mortgage, LLCAscent Card Services, LLC Link to comment Share on other sites More sharing options...
ceowens Posted March 31, 2004 Report Share Posted March 31, 2004 Thanx Doc will do, I will allow then to build up though right? On a much wierder note. My mother received a call regarding Bradlees, Which is what LTD Financial is trying to collect. This call was from ALEGIS GROUP (however it is spelled). My mother wont talk to them so, I ended up on the phone cuz they were very roud and she is 68 and was getting very upset! This woman told me I was co-signer on the account and that the amount was for $845.00! They are both trying to collect on Bradlees account for two different amoounts.I told her I didnt recognize the account let alone owe over $800.00 woman asked if my mother recognized the account and I told her that my mother has been telling you people for a long time she knows nothing about this account! I told the woman I needed a letter so I had account info and proper address and she said no way, they don't have to send me anything! I said but you say I am responsible for the account and I dont know anything about the account, and so therefore you refuse to send me anything on this account? she replied thats correct, we only have to send out one letter and that was sent to your mother!She continued on that this account is in PRE-LEGAL at the moment and that they dont have to send anymore letters to either of us. I said it's funny you have an account in PRE-LEGAL and yet nobody even contacted me that I was responsible for this account, how did you know I wouldnt have just paid it long ago? she replied, Sir why do you want the address to the PRE-LEGAL dept? I said because you justr told me I was responsible for an 800+ dollar account, and in the same breath refused to give me any information on it!The address is Alegis Group 15 South Main Street Suite 700Greenville, SC 29601 PHONE # 864-678-8400 Caller ID says South Caroline.Does anybody here know if in fact Alegis Group has a legal staff? or a legal dept.? I cant find the license in SC because I couldnt figure out how to work their site through lawdog.comI am now going to DV 1st to Alegis and 2nd DV letter to LTD Financial Services, I dont see how 2 collection companies are trying to collect on the same debt, while one company wants $253.21 and the other wants over $800.00! This woman absolutely refused to give me any information on this accouont other than they were now getting it sent through PRE-LEGAL and that if she doesn't pay the account, they are going to file judgments, and possibly leins.I'm not the least bit afraid of debt collectors. I'm not afraid of their threats or cheap talk. I know there is nothing of value they could possibly take. I am asking any of you to please send me the correct spelling of Alegis Group, and any inofo regarding their license in South Carolina? and if your familiar if they have a legal department, or if they threatened me with that for another violation. If I can get the right spelling, I may be able to find company information to check into the legal dept. I'm a wiz at internet research, just not that great with spelling Am I correct then? DV both companies now? With Alegis I dont know if that is even the same Bradlees (citi) as FTD Financial pfft...CA don't have to have any special licensing in S.C. (I know, we suck.). But, I looked them up on the Sec. of State web site. They are listed as a foreign corporation doing business in this state. The state of incorporation is Delaware. They operate under tha name Alegis Group, LP and also have the name CT Corp Systems listed as well. They have several addresses.....75 Beattie PlaceGreenville, SC2 Insignia PlazaGreenville, SCBoth places, as well as the one you listed above, are high rise buildings in downtown Greenville. I can't be sure that they don't have lawyers in there offices. But, as a rule, this is not where you find all the law offices in Greenville. All the law offices are located near the courthouse....not all the way downtown. I'm guessing they are nothing more than another stupid CA. I'm minutes from them if I can help in anyway........you know, like a paper sack of hot flaming dog sh*% or something. Link to comment Share on other sites More sharing options...
legend Posted March 31, 2004 Author Report Share Posted March 31, 2004 sjhnjah thank you, I cant believe they would have that many different names? talk about odd? So if I had have sent a C&D to Sherman, then do you suppose Aegis would have continued to call or under any other of their names? Just curious now. Tina thats so funny lol! not a bad idea though hehehe Link to comment Share on other sites More sharing options...
legend Posted March 31, 2004 Author Report Share Posted March 31, 2004 INTERESTING..... Lets see how they stand by their word? check out their FAQ Alegis Group that is.http://www.alegisgroup.com/faqs.asp#Q05Questions About Disputes Q05: What should I do if I’m disputing an account? Q06: What is the dispute process? What should I do if I’m disputing an account?An account may be disputed orally or in writing.You may send a dispute letter to our Customer Service address identifying the account you are disputing with an explanation of your dispute along with any proof you have to support your claim.Examples of information you may include in your dispute letter differ depending upon the type of dispute.FraudIf you are asserting that someone stole your identity and used it to fraudulently open an account, include the following information in your dispute letter. Copy of photo identification Copy of your social security card 3 notarized signatures A police report (if possible) Paid Prior to PurchaseIf you are alleging that you paid or settled the account before it was sold, include the following information in your dispute letter.Copy of cancelled check used to pay or settle the account Letter from the company to whom the balance was paid stating the account has a zero balance General Dispute If you are disputing your account for a reason other than those listed above, include as much detail as possible about your dispute and any other written material that you think might be useful toward resolving the dispute.Top What is the dispute process?Once we receive a dispute, the account is forwarded to the Account Resolutions department for research to determine the next course of action. If further documentation is required, this information will be ordered from the original creditor. Once that information is received, the Account Resolutions department will contact you with the results of their researchPLEASE NOTE YOU ARE NOT LEGALLY REQUIRED TO SEND ANY DOCUMENTS IN ORDER TO DISPUTE YOUR ACCOUNT, UNLESS YOU ARE DISPUTING THE ACCOUNT DURING THE DEBT VALIDATION PERIOD AS EXPLAINED IN THE FAIR DEBT COLLECTION PRACTICES ACT AND YOU ARE REQUESTING DEBT VALIDATIONNow they told me tonight they are not going to send me a letter? they said they didnt have to validate lol their web site says otherwise! Link to comment Share on other sites More sharing options...
anti-something Posted March 31, 2004 Report Share Posted March 31, 2004 PLEASE NOTE YOU ARE NOT LEGALLY REQUIRED TO SEND ANY DOCUMENTS IN ORDER TO DISPUTE YOUR ACCOUNT, UNLESS YOU ARE DISPUTING THE ACCOUNT DURING THE DEBT VALIDATION PERIOD AS EXPLAINED IN THE FAIR DEBT COLLECTION PRACTICES ACT AND YOU ARE REQUESTING DEBT VALIDATION???????? Link to comment Share on other sites More sharing options...
legend Posted March 31, 2004 Author Report Share Posted March 31, 2004 PLEASE NOTE YOU ARE NOT LEGALLY REQUIRED TO SEND ANY DOCUMENTS IN ORDER TO DISPUTE YOUR ACCOUNT, UNLESS YOU ARE DISPUTING THE ACCOUNT DURING THE DEBT VALIDATION PERIOD AS EXPLAINED IN THE FAIR DEBT COLLECTION PRACTICES ACT AND YOU ARE REQUESTING DEBT VALIDATION????????That is kinda vague isn't it? It's right there at the link I posted hmmm Link to comment Share on other sites More sharing options...
anti-something Posted March 31, 2004 Report Share Posted March 31, 2004 That is complete bs correct?How can they say that? wouldnt that in itself be a false and misleading statement? Link to comment Share on other sites More sharing options...
legend Posted March 31, 2004 Author Report Share Posted March 31, 2004 That is complete bs correct?How can they say that? wouldnt that in itself be a false and misleading statement?I dunno that's why I posted what they say in hopes someone can help me understand what they are saying lol. My take is they say they have to validat, but do they practive what they preach? Link to comment Share on other sites More sharing options...
legend Posted March 31, 2004 Author Report Share Posted March 31, 2004 Just a quick question. Is it ok for my Sears Charge off to be listed and have the CA list the same account that theyre collecting now? So 1 bad account shows multiple negatives? Link to comment Share on other sites More sharing options...
sjhnjah Posted March 31, 2004 Report Share Posted March 31, 2004 There is a thread out there somewhere regarding this. I believe the answer is, "yes" they can both report, however the OC usually reports with a c/o and a balance of zero, while the CA reports as Collection with the balance. It's a double negative, I know, but I read that somewhere. I hope someone out there corrects me and tells me I'm wrong as I have a bunch of double negatives out there myself. Link to comment Share on other sites More sharing options...
J_Snow Posted March 31, 2004 Report Share Posted March 31, 2004 Hey Legend, why not just send them a C&D, they failed to validate the debt and if they report they are in violation and according to the FDCPA they MUST remove any and all TLs they have added. J Link to comment Share on other sites More sharing options...
smogtek Posted April 3, 2004 Report Share Posted April 3, 2004 Signatures? No F****** way I'd ever send one of these crooks a signature so they could cut and paste it onto a document (contract) and say I owe them!They must really think we are a bunch of morons! Link to comment Share on other sites More sharing options...
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