bigjohnstud4200 Posted February 20, 2007 Report Share Posted February 20, 2007 I sent these clowns a DV letter on the 6th of Feb. On the 20th I get a letter from them as follows:Enclosed please find an original validation of debt that verifies the debt.:Next Page:Validation of DebtFebruary 14, 2007<MY NAME>The account of <MY NAME> acquired from Consolidation usa is now owned by LVNV Funding LLC.At the time the account was acquired from Consolidation usa, Consolidation usa advised that the balance owing was $1044.57. Since that time, additional interest, fees, payments, credits and offsets, if applicable, have been allowed, for a current balance of $1190.00.**Please note that any additional interest, fees, payments, credits and offsets made within the past 30 days may not be reflected in the aboved mentioned current balance.:END OF LETTER:I plan on sending them a follow up letter on the 30th day demanding they remove the record or come to suit... Link to comment Share on other sites More sharing options...
divemedic Posted February 21, 2007 Report Share Posted February 21, 2007 Not yet. Redispute, pointing out that what they provided does not meet the standard. Let them violate a little more before you do that. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted February 21, 2007 Author Report Share Posted February 21, 2007 Hmm.. that actually sounds like a really good idea. I'm pretty sure I owed the original creditor and was willing to settle for full amount with the agreement that they remove the debt from my credit file. This account is WELL past SOL and is going to drop from reporting in 4/07... they just pointed me in the direction of the CA, which has been sold 4 times over. Link to comment Share on other sites More sharing options...
divemedic Posted February 21, 2007 Report Share Posted February 21, 2007 If it drops in 2 months, why bother? Let it drop. In fact, send em a C&D Link to comment Share on other sites More sharing options...
retmar Posted February 21, 2007 Report Share Posted February 21, 2007 Do as divemedic said. Send them a C&D by CMRR and forget it. Be sure and include the verbiage as to not selling, transferring, or reassigning, or else it could be sold again and here you go again. Why is simple. What if you sent them a DV and somehow got confused and ended up agreeing to pay. OOPS!, maybe new debt. Also, they could just not respond and sell it to another, thus, here you go again. You get the drift. Link to comment Share on other sites More sharing options...
LadynRed Posted February 21, 2007 Report Share Posted February 21, 2007 Whoa ! That reply from LVNV is their typical tactic to create an 'account stated' via their bogus affidavit. It *could* defeat the SOL too. You MUST directly dispute that stupid affidavit, tell them you DO NOT AGREE, if you do not, you are silently agreeing and that creates trouble for you. Link to comment Share on other sites More sharing options...
DucknCover Posted February 22, 2007 Report Share Posted February 22, 2007 Lady is right. Portfolio Recovery is using the same tactic with me. You have to reply back CMMR that you dispute their affidavit as hearsay and do not accept it as proof of anything. Link to comment Share on other sites More sharing options...
retmar Posted February 22, 2007 Report Share Posted February 22, 2007 WOW! I had not heard of this tactic before. Most definitely include your disputing their "affidavit". Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted February 22, 2007 Author Report Share Posted February 22, 2007 Do as divemedic said. Send them a C&D by CMRR and forget it. Be sure and include the verbiage as to not selling, transferring, or reassigning, or else it could be sold again and here you go again. Why is simple. What if you sent them a DV and somehow got confused and ended up agreeing to pay. OOPS!, maybe new debt. Also, they could just not respond and sell it to another, thus, here you go again. You get the drift.I'm not familiar with the verbiage as to "not selling, transferring, or reassigning" the debt and I am unable to find it in the many searches I've tried. Can someone point me in the right direction? Link to comment Share on other sites More sharing options...
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