Kimmieis Posted January 4, 2007 Report Share Posted January 4, 2007 On December 16,2006 I sent out 16 CRRR DV letters to all 3 CRA and rest were all CA. I have received 4 letters back from CA's. I am scared to respond to these letters because it is still with in the 30 days and I don't want to give them an extention. I have done the 1-2 punch. Should I wait till Jan 15,2007 to send the second letter to the CA's.NCO- 2 accounts on my report. I recieved a letter on 12-20-06 stating they could not locate the accounts please send more info.I did not respond.Apex- 1 account received a letter of validation- It was a bill! I did not respondWells Fargo-2 accounts with them- received letter on 12-22-06 stated they needed more information. I never sent them a letter. I did not respondTODAY NCO- Received a letter of validation- with a new account number. It was a bill. I did not respond I also spoke with TU today! NCO deleted both accounts I was disputing. I sent everyone a C&D. All are replying with bills. Because it has not been 30 days. Should I respond or wait till Jan 17? Just worried that I might blow thingsAnd are any of these CA in violation. I think NCO and Apex is. None of the CA have even closley given me what I asked for. And that was PROOF. they just send bills!However!!!!! On a good note! Since sending my letters on Dec 15,06 There were 5 CA deleted from my report. Link to comment Share on other sites More sharing options...
divemedic Posted January 4, 2007 Report Share Posted January 4, 2007 There is no 30 day limit for CA's to repond to you. The only 30 day limit that can be extended (to 45 days) is the 30 days that a CRA has to investigate a TL. Link to comment Share on other sites More sharing options...
Kimmieis Posted January 4, 2007 Author Report Share Posted January 4, 2007 And I am not extending the 30 days by responding to the CA. I remember reading somewhere on here that. The CA trick you and send these things to trap you. I could be wrong but I want to make sure Link to comment Share on other sites More sharing options...
E. Normis Debtor Posted January 5, 2007 Report Share Posted January 5, 2007 And I am not extending the 30 days by responding to the CA. I remember reading somewhere on here that. The CA trick you and send these things to trap you. I could be wrong but I want to make sureNothing you or the CA does can extend the 30 day verification period. Since they already sent you copies of the bills, there really isn't anything more you could expect to get from them anyway. Link to comment Share on other sites More sharing options...
Kimmieis Posted January 5, 2007 Author Report Share Posted January 5, 2007 I want proof that I am the person. A Bill is not proof. I requested •Complete payment history, the requirement of which has been established.•Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. •Letter of sale or assignment from the original creditor to your company. (Agreement with your client that grants you the authority to collect on this alleged debt.) Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain: The source of a debt and the amount a bad debt buyer paid for plaintiff's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. •Intimate knowledge of the creation of the debt by you, the collection agency.This was not provided to me! Plus NCO took off the 2 accounts I was disputing and replaced it with a new account number. Is that legal? Link to comment Share on other sites More sharing options...
Kimmieis Posted January 5, 2007 Author Report Share Posted January 5, 2007 Does that mean if they do not give me everything I requested they have to remove? Totally Link to comment Share on other sites More sharing options...
E. Normis Debtor Posted January 5, 2007 Report Share Posted January 5, 2007 Often times you'll get a removal simply because they failed to respond to your dispute through the CRA.Verification of a debt does not rise to the level of proof that might be necessary in court, which is what you seem to be requesting. A signature is not a required element of a contract. Link to comment Share on other sites More sharing options...
Kimmieis Posted January 5, 2007 Author Report Share Posted January 5, 2007 In reference to NCO. They had 2 accounts on my CR which have been removed. Now today they have a totally different account number for the same OC. Do I DV with the new number? And If I do I am not violated any 30 day rule.I really don't mean to be a pain. I just want to make sure I am doing the correct thing. And I have been reading all the post (past and present) But it is very contradicting sometimes Link to comment Share on other sites More sharing options...
E. Normis Debtor Posted January 5, 2007 Report Share Posted January 5, 2007 In reference to NCO. They had 2 accounts on my CR which have been removed. Now today they have a totally different account number for the same OC. Do I DV with the new number? And If I do I am not violated any 30 day rule.I really don't mean to be a pain. I just want to make sure I am doing the correct thing. And I have been reading all the post (past and present) But it is very contradicting sometimesThe account number means nothing. NCO can assign a different account number to the debt every day if they so choose.What matters is if they can identify the original creditor and the amount of the claim. And, if it comes to them suing you, justify the amount due is correct, it's yours, and they have legal right to such claim in court.If you can prove in court the debt, or the amount of the debt, is not rightfully due, you have a FDCPA claim. If not, you don't.There's no such thing as "violating any 30 day rule" other than their continued collection without providing verification, which they apparently have already done. Link to comment Share on other sites More sharing options...
Recommended Posts