CA had my money and OC says that I am still in debt

[schellmis63]

I posted this in credit repair, wrong move so I am hoping that you legal people can help me with this one.

I had an OC that went to collections. I had two with the same OC and I made payment arrangments and it was paid. I was contacted again and I was told that they were the OC, not knowing that they were ARROWS. I allowed them to deduct so much a month out of my checking. I know this was a really bad move. Well, I was watching my credit report and I was told by the CA that after 6 months this will be updated. Well near the end of paying these creeps I asked for validation. They failed. I sent a letter to the OC and well, they say that I owe the debt. I do not have any collection letters, no monthly statements other then the debit from my account that clearly says ARROWS. Now I am in collections again by the creditor and they are probably going to be after me now.

They say that I still owe the debt. Validation was the basic BS that they send you. I contacted a law firm in my area and they have not been back with me yet concerning this one. I fear that they will not take it if they don't smell big money. What do you guys think? I feel this was fraudelant activity, but the proof is in the pudding. They got my money, never sent me the monthly statements, nor gave the money to the OC

[blacksurfer]

I hope you have copies of cancel checks or money-order or statements showing the money was deducted from your account.

[schellmis63]

yes I do, I have a print out that the bank gave me, stating the name, the date and the amount of who recieved the funds. But again, no letter to why Arrows took the money, I was wondering if contacted the FTC about this would help? Again no word from the lawyer, is this not ilegal, fraud what they did?