hopeful Posted February 25, 2005 Report Share Posted February 25, 2005 I sent RMA a debt validation letter and the 30 days is almost up. RMA hasn't disputed this account with the CRA and they verifyed with the CRA but haven't sent me anything verifying this is my debt. I have them on 2 violations maybe 3 should I point out the violations plus request they pay me half of what the violations cost and for them to delete the account? Or should I just ask for delete? Link to comment Share on other sites More sharing options...
Champion80 Posted February 25, 2005 Report Share Posted February 25, 2005 Ask for the max, and hope they meet in the middle, get a delete and make them feel they are getting out clean. Link to comment Share on other sites More sharing options...
willingtocope Posted February 25, 2005 Report Share Posted February 25, 2005 Just in case you missed it, violations under the FDCPA are $1000 per action...i.e., law suit....not per violation. You can of course tack on pain and suffering and legal fees, but you need to sue to get anything more the a grand... Link to comment Share on other sites More sharing options...
hopeful Posted February 25, 2005 Author Report Share Posted February 25, 2005 willingtocope so how many violations can I charge them for? Do they usually pay up? Link to comment Share on other sites More sharing options...
willingtocope Posted February 25, 2005 Report Share Posted February 25, 2005 I'm thinking the only thing you've got is "failure to mark in dispute" on the CR. They don't really have to validate within 30 days...or ever, for that matter...they just can't continue collection until they do. So, if your CR doesn't show "in dispute" after 35 days or so, then you got one. Probably not enough to scare them. RMA doesn't care much for what the law says. Link to comment Share on other sites More sharing options...
hopeful Posted February 25, 2005 Author Report Share Posted February 25, 2005 The thing is they verified with the CRA but haven't sent me a thing. So they can continue to collect from me right? Link to comment Share on other sites More sharing options...
willingtocope Posted February 25, 2005 Report Share Posted February 25, 2005 Well, if what you're saying is you also disputed with the CRA, and it came back verified, all that means is the CRA's computer checked the last data they got from RMA and it said "yep". On the other hand, at some point around 35 days, RMA should send fresh data to the CRA saying "in dispute", or deleting the account. If neither of those happens then you DO have RMA on a violation, but its unlikely that they'll care unless you sue.And, if they do send fresh data that says "in dispute" they can leave it there for a very long time... Link to comment Share on other sites More sharing options...
hopeful Posted February 25, 2005 Author Report Share Posted February 25, 2005 I did send DV letters to CRA and RMA. RMA signed for the letter Jan. 31st 2005. I called the CRA and they said that RMA isn't showing up in dispute and do I want to dispute it? I said NO and that I already sent them a letter letting them know that I sent RMA a DV letter and what information I was requesting RMA to verify they continued to tell me that they probably shredded my letter, which is BS!!! and they sent me a letter stating it was verified. How can they send me a letter saying it was verified if they shredded my letter and didn't receive? Any way I think they just don't want to delete this account. I am having the same problem with Medclear. I send DV letter to them the same time as RMA. Link to comment Share on other sites More sharing options...
blrogs Posted February 27, 2005 Report Share Posted February 27, 2005 I,d like to share this info with you, RMA is not going to validate your claim! I know this from personal experience, after a year and a half of disputing with them all failed? for best results, file a complaint with the BBB of Atlanta GA, This is their home base, my complaint was investigated and RMA has a mark against them with BBB. Account deleted this worked for me but let me add my duckies were in a row. Still Learning Link to comment Share on other sites More sharing options...
hopeful Posted February 27, 2005 Author Report Share Posted February 27, 2005 Thanks. Was this really you account with RMA? What do you mean by my duckies were in a row? Do you mean you had them on violations? Link to comment Share on other sites More sharing options...
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