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demoncasterouter

CA Bull Shtuff

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Got an attempt at validation. I know the FTC letters and court opinions well. And I know that full validation can come down to an opinion. But the validation I received included:

A printout from the OC (Ok so far)

But it said: Total Charges: 14,435.00. Estimated Insurance Coverage: 14,435.00. Please pay: $0.00

Then at the bottom, someone had handwritten: "Balance due: $875". And it looks exactly like the handwrtiting of the person who sent the validation.

I could send you, or anyone a copy of a hospital bill, and then write "Balance due: $1000" or $2500, or whatever.

I don't think this is full validation....

Your thoughts????

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Got an attempt at validation. I know the FTC letters and court opinions well. And I know that full validation can come down to an opinion. But the validation I received included:

A printout from the OC (Ok so far)

But it said: Total Charges: 14,435.00. Estimated Insurance Coverage: 14,435.00. Please pay: $0.00

Then at the bottom, someone had handwritten: "Balance due: $875". And it looks exactly like the handwrtiting of the person who sent the validation.

I could send you, or anyone a copy of a hospital bill, and then write "Balance due: $1000" or $2500, or whatever.

I don't think this is full validation....

Your thoughts????

Not OK. The printout from the OC must show ITEMIZED charges. Where's the breakdown in interest? Fees? CA charges?

In fact, I'd go so far as to say this PROVES you don't owe anything. I'd send them a letter thanking them for providing confirmation that you don't owe any money. Then issue a permanent C & D. Promise a lawsuit if they ever try to collect from you or sell this account to another CA.

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This is a hospital bill, I forgot to add.

Everything is itemized, no interest of course.

My problem is that this is from a hospital from which one of my children had to go to. My insurance paid most of it. I paid on the outstanding balance for a while, but I don't know how much I still owe. Some people might say: "If it's a legitimate debt, then you need to just pay it, you weenie!" But I don't know how much I really owe, I don't know how much my insurance did or did not pay, etc.

But for them to get an itemized bill from the OC, then

HANDWRITE "Balance owed: $875" when in the computer box it says: "Please pay $0.00" is a crock of caca! I DV'd them again and told them to either FULLY validate, or go away. I don't know what they'll do now. But if I see it on any of my CR's, I'm gonna go ahead and file........in Fed court.

Although this would be only one violation, I think I could prove it intentional, since they already received my other DV.

For newbies: This is within the SOL period and a legit debt. I would not suggest filing in this type of situation EXCEPT for the fact that if they continue w/ collection activity, I have them b/c they simply have not validated properly. And if they place it on my CR from here on out without first sending me the proper validation, that is blatant disregard to the consumer (me).

For all others: I'm just putting this out here b/c of the precarious nature of the situation. And I wanna talk to yall while this is going on. And so I can mooch off of some of yall when I have to serve them, b/c I forgot how to do that! :wink:

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Update!

Just got another letter from them. Here's what it says:

"Dear Mr. CA-suer,

We are in receipt of your second letter dated 1-8-06. The outstanding balance of $875 for account *&^%$, was placed in our office by Joe Blow's Hospital on 10-31-05. The balance is owed to Joe Blow's Hospital.

We have coded the account as a dispute in our office.

Cordially,

Nastybottomfeedingca"

They will be receiving a 3rd letter from me tonight stating that it is illegal for them to engage in any further collection activity on this account, especially POSTING TO MY CR's! I'm also going to tell them that if I find it on my CR's, without them sending full validation, I will sue right then and there! (I'm not gonna tell them I've sued before and won, I'm just gonna let them hang themselves.) Hehehehehe! I've forgotten how fun this is!

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Here's the letter I just fired off concerning this:

Demoncasterouter

Youmessedwiththewrongconsumer Drive

Tooclose, TX. 99999

CluelessCA

1111 Wedontknowschidtt Street

Closetoconsumer, TX. 99990

1-10-2006

Re: Alleged Acct. #:*&^%$

To Whom It May Concern:

I have received your mail sent to me dated 1-9-06. While you have noted this alleged account as “disputed” in your office, this notation still does not allow you to legally continue pursuit of this alleged debt. You have not provided full validation of this alleged debt in accordance with F.D.C.P.A. 15 USC 1692g Sec. 809 (B). If I receive no response from you concerning this letter, then I will assume that this is your final statement regarding the validity of this alleged debt, and that you are foregoing the remaining 9 days to provide full validation. Therefore, ANY further collection attempts would be illegal on your part, according to the above mentioned chapter, and according to the Texas Debt Collection Act 392.202(a). This includes:

- Sending any further dunning letters

- Making any phone calls to me concerning this alleged debt

- Or reporting ANY information of this alleged debt to ANY credit reporting agency, negative or otherwise from this day forward

I will be checking my credit reports from the various credit reporting agencies within the next 30 days and beyond. As the situation stands now, if I find ANY reference to this alleged debt reported to any credit bureaus, I will not hesitate to file suit against your company, immediately.

You would be well advised to close this account immediately, and discontinue any further collection activity. I feel it only fair to warn you that I will hold (your company) liable for any further collection activity, without providing me proper validation, by filing suit. And just so you know, I do not file suit in small claims court, I use the federal court system.

Sincerely,

Demoncasterouter

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