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Validation question.


Ruby
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Hello everyone, my name is Ruby. Im a newbie at this so i'll try my best to be as clear as possilbe. I sent the "sample letter#9-->validate my debt" to cap 1. They wrote back to me and gave me the 3 last months of activity on my account. They also wrote "Because you applied for your account by phone or on the internet, we do not have a paper copy of your application on file to send you. We do, however, have a copy of your customer agreement on file and have enclosed it as you requested.

P.S. I can't believe people like you guys actually exist! YOU GUYS ARE THE BEST, EVEN IF I DON'T GET NOTHING DONE. YOU GUYS PROVIDE EXCELLENT INFO!! THANK YOU!!!!!!!!!!!!!!!!

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Welcome Ruby!!! :)++ We're glad that you found us as well. There's an abundance of information here for you to learn. Read, absorb, and apply. For starters, here's something to learn...

I sent the "sample letter#9-->validate my debt" to cap 1.

DVs are to be sent to CAs, not OCs. They still supplied you w/ what you asked for, but do know that they didn't have to (unless your state laws allow it).

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I'm not to sure but I think that Cap1 never sent me to a CA. They have me in there own Collections department. If they don't have to show me validation, then who does? And if I made a contract to phone or email how would they validate. Recording or something?

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If they don't have to show me validation, then who does?

You need to read the Debt Validation link above. It'll explain the process and who you should DV.

And if I made a contract to phone or email how would they validate. Recording or something?

A contract is not necessary unless you're disputing that you even owned the account. They can provide statements, payments you made on the account, etc.

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got it, got it, GOT IT!! WOW!! why didnt I get that the first time I read it? So I guess its just best to try and settle with CAP1. I'll study settlement methods before I go and do that.

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