CarolinaBlueEyes Posted February 11, 2007 Report Share Posted February 11, 2007 I have to wonder if I am on the list for these idiots.. I already won one case against them and even had the "apology letter" after my case hit their AG's office.. Yesterday I get a new letter for a debt for 80 bucks.. its not mine.. from a company I never did business with.. never heard of and of course its not on my credit reports.. its for a department store I never heard of in a city in which I never did business in.Is it really worth it to DV for 80 dollars or should I ignore these idiots..?? WHAT would be the reason that I should DV? if anythis happened on my last complaint .. seriously do they just take names.. then the debts they buy and toss them all in the air and match them up.. three times they have tried to hit me with things that I didnt owe.. and NO there was no fraud.. one was an old one out of SOL and they kep saying I was defaulting on my payment agreement to them (never had one which is when i reported them to the AG) what is wrong with these Gomers... Link to comment Share on other sites More sharing options...
lyle7289 Posted February 11, 2007 Report Share Posted February 11, 2007 It's payback time.....I would DV and give em' h#ll!!! Link to comment Share on other sites More sharing options...
IHateCAs Posted February 11, 2007 Report Share Posted February 11, 2007 Is it really worth it to DV for 80 dollars or should I ignore these idiots..?? WHAT would be the reason that I should DV? if any That is what DV is intended for. You are being dunned for a debt that is not yours. Link to comment Share on other sites More sharing options...
divemedic Posted February 11, 2007 Report Share Posted February 11, 2007 Validation is not a magic bullet that makes CA's go away. The point of validation is not to get out of paying what you owe, but to ensure that you are paying what you owe, and paying it to the right people. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted February 12, 2007 Author Report Share Posted February 12, 2007 Validation is not a magic bullet that makes CA's go away. The point of validation is not to get out of paying what you owe, but to ensure that you are paying what you owe, and paying it to the right people.yes but I dont owe it.. I have never heard of this dept store and its not mine... Link to comment Share on other sites More sharing options...
IHateCAs Posted February 13, 2007 Report Share Posted February 13, 2007 yes but I dont owe it.. I have never heard of this dept store and its not mine...Then why are you debating if you should DV or ignore it? Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted February 13, 2007 Author Report Share Posted February 13, 2007 Then why are you debating if you should DV or ignore it?because its not mine I know 100%.. never heard of this store.. and I never once had a cc bill for such a small amount.. its not on my credit report... so I am wondering if its worth the time to DV it... just so they stop sending the letters...I have never heard of Rich dept store and never lived in GA... but its such a small amount I wonder if its worth it.. this is the same company that did have a debt of mine and kept sending me letters that I voilated our payment agreement (never had one)... I finally reported them to the AG in PA thats what it took for an apology and it to be removed from my CR for a year.. anyone else I dont think I would bother but NCO gets under my skin.. they are constantly inaccurate.Is there another course of action I should take.. another type of letter? would appreciate any advise here Link to comment Share on other sites More sharing options...
kevin3344 Posted February 13, 2007 Report Share Posted February 13, 2007 (edited) In my opinion there is no harm in DVing when you see the "unless you dispute the validity of this debt.." line. Especially if you KNOW they can't prove it's yours. If anything, it will give you a paper trail in case a new CA one day picks up the debt.Why not kill two birds with one stone and send a C&D with it? ________Live Sex Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
divemedic Posted February 13, 2007 Report Share Posted February 13, 2007 That is what I mean. DV is not to get out of paying what you owe. It is about confirming the debt. If you KNOW it isn't yours, why would you let the 30 days run without DVing? After that 30 days, collections become MUCH harder to fight, no matter WHAT the circumstances. Link to comment Share on other sites More sharing options...
lookinup Posted February 13, 2007 Report Share Posted February 13, 2007 Not that I'm an experienced voice, but I'm with divemedic. It seems this is the very situation for which the DV process exists - even if in general it is recommended on this site as a tool for use when a debt may or may not be yours.Further, just because it's not on your credit report now doesn't mean they won't try to put it on at some later date... Link to comment Share on other sites More sharing options...
kevin3344 Posted February 13, 2007 Report Share Posted February 13, 2007 (edited) I agree. Usually the end of the "unless you dispute the validity of this debt..." line reads something like "...we will assume the debt is valid" and you never want them to do that. They could then move to put it on your reports once that happens. So a timely DV would probably solve your problems in this case.________FriskyRose Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted February 14, 2007 Author Report Share Posted February 14, 2007 good points... makes sense , i honestly didnt think of it that way.. I am used to asking for stuff I do owe.. this one out of the blue suprised me.. thanks.. for setting me straight.. DV on its way .. appreciate it gang! Link to comment Share on other sites More sharing options...
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