Jumpingm Posted August 11, 2006 Report Share Posted August 11, 2006 I have a 4 year old CO from MBNA. I managed to get the CA that bought the debt to remove it. From what I understand, I should send a letter to the OC such as the one found here. http://www.creditinfocenter.com/forms/sampleletter17.shtmland add in a request for a certificate of destruction. If they tell me that they do not have the records or provide me with a certificate of destruction, I send a copy of the letter/certificate to the CRA with my dispute. I have spent a lot of time on this board and it is fantastic. I just want to be 100% sure I am doing the right thing before I make a big mistake. Thanks for all the help. Link to comment Share on other sites More sharing options...
Recovering Attorney Posted August 11, 2006 Report Share Posted August 11, 2006 Some thoughts1. Make sure your letter contains the info set forth in 623(a)(8)(D). I'm not sure the specimen letter does that for you. 2. Be clear with what you want them to do: is it delete the negative item, send you stuff, or pay you damages? I would stick with the former. 2. To avoid the furnisher simply waving you away as frivilous, add to the bottom " This is my personal, good-faith attempt to resolve this issue with you."3. Send your letter as high up the food chain as you can. Find out who the CEO is and mail that person. You will get an answer from the executive offices. More of a chance than sending it to the PO Box for some low level employee to rip and read it. Link to comment Share on other sites More sharing options...
E. Normis Debtor Posted August 11, 2006 Report Share Posted August 11, 2006 Here's CEO contact info for Bank of America who purchased MBNA.http://finance.yahoo.com/q/pr?s=BAC Link to comment Share on other sites More sharing options...
Jumpingm Posted August 11, 2006 Author Report Share Posted August 11, 2006 Thanks! I'm going to wait for the dispute results to come back from the CRA first. MBNA is reporting two TL for the same account on TU, a CO and a 120 past due. I have a feeling that the disputes are comming back verified. In the meantime I can have fun drafting.I need to get as much done up front as I can because my free time is going to be 0 at the end of the month. Link to comment Share on other sites More sharing options...
about_that_time Posted August 14, 2006 Report Share Posted August 14, 2006 3. Send your letter as high up the food chain as you can. Find out who the CEO is and mail that person. You will get an answer from the executive offices. More of a chance than sending it to the PO Box for some low level employee to rip and read it.Can I really expect a resonse from a CEO? And if I do send a letter to a OC's executive offices (Verizon, in my case), by way of Certified Mail RRR, are they still obligated to respond within any set time frame? Link to comment Share on other sites More sharing options...
Drew Posted May 10, 2007 Report Share Posted May 10, 2007 Could I use this even though I already sent a GW to the executive offices? Link to comment Share on other sites More sharing options...
MadinKS Posted May 11, 2007 Report Share Posted May 11, 2007 Can I really expect a resonse from a CEO? And if I do send a letter to a OC's executive offices (Verizon, in my case), by way of Certified Mail RRR, are they still obligated to respond within any set time frame?If the CEO wants to keep tabs on their bottom line, money, they will respond. If you are threatening to sue the company, that will definitely affect their bottom line. So, it's in their best interest to answer your dispute, or as it happened in my case, have the VP of Operations do it. You know the saying, sh!t rolls down hill. Link to comment Share on other sites More sharing options...
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