CarolinaBlueEyes Posted March 17, 2007 Report Share Posted March 17, 2007 I have had long running issue with these people.. I was wondering did anyone else get a privacy notice from them this week to "opt out" of sending info to others.. I think they sent this to verify an address but not sure if this was a mass mailing.. appreciate the help thanks Link to comment Share on other sites More sharing options...
chilton1 Posted March 17, 2007 Report Share Posted March 17, 2007 I have not received anything. I am still waiting to have their listing on my report validated. Caroline, how are they with validating accounts? They update monthly but nothing else from them. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 17, 2007 Author Report Share Posted March 17, 2007 I have not received anything. I am still waiting to have their listing on my report validated. Caroline, how are they with validating accounts? They update monthly but nothing else from them.They are terrible. i fact I disputed with the CRA and they dropped it off my report.. I have an attorney who is filing a fed suit right now. one of the claims is they continued to contact me after I DV'd them.. NO response.. someone here told me their call center is in India (yes, the country).they are not licenced in my state trying to get an arb claim and they have no proof of service so they can't file one... they are now out of SOL .. I dont know what is up their slimy sleevesBut if you get one please let me know.. mine just came today... Link to comment Share on other sites More sharing options...
willingtocope Posted March 17, 2007 Report Share Posted March 17, 2007 I have had long running issue with these people.. I was wondering did anyone else get a privacy notice from them this week to "opt out" of sending info to others.. I think they sent this to verify an address but not sure if this was a mass mailing.. appreciate the help thanksI'm thinking you're right...there is no reason I can think of why a CA or JDB would ask you to opt out. What info are the offering not to send?I think they're looking for you...period. I suggest you just add it to the pile of questionable tactics... Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 17, 2007 Author Report Share Posted March 17, 2007 I'm thinking you're right...there is no reason I can think of why a CA or JDB would ask you to opt out. What info are the offering not to send?I think they're looking for you...period. I suggest you just add it to the pile of questionable tactics...thanks.. its a privacy statement that went into effect jan 31, 2007.. it states they can share third party info if I dont opt out.. information regarding my name , address.. etc.. it lists the names of all of their companies and names they are under (there are a TON of them)... does this make any sense.. it also says as long as I am a client they will send this information on a yearly basis.. I am NOT a client... so it seems odd to me. Link to comment Share on other sites More sharing options...
willingtocope Posted March 17, 2007 Report Share Posted March 17, 2007 Sounds really phishy...anybody can share anybody's name and address. Even junk snail mailers...unless you're specifically on the "do not junk mail" list. I wonder if someone has sued them under the junk postal mail statues? I'm curious...I'll do some googling. Link to comment Share on other sites More sharing options...
willingtocope Posted March 17, 2007 Report Share Posted March 17, 2007 Well...here's an interesting one for your reading pleasure...http://www.myfairdebt.com/forum/viewtopic.php?p=999&sid=74451bd1ae458dfb73352f79b935bdbeI'll keep looking... Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 17, 2007 Author Report Share Posted March 17, 2007 hmmm wonder if they got spanked.. I never got anything from them.. a dunning letter in sept of 05.. sent a dv. no responpse.. they filed with NAF the same year but there was no proof of service so no award or filing of one.. (lawyer checked that out) and then this is the NEXT thing I get.. two years later.. it seems odd... thanks for checking let me know what else you find if you will...I really appreciate itthe thing is it only had the name an address typed at the bottom (with the opt out options) and it didnt mention debt at all.. no other info. no account # nothing..however there was a bar code.. no telling what the heck that has in it Link to comment Share on other sites More sharing options...
willingtocope Posted March 17, 2007 Report Share Posted March 17, 2007 Did I understand that law suit referenced correctly? The CA was being sued for FDCPA violations for sending that "opt out" letter without the mini-miranda on the page? Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 17, 2007 Author Report Share Posted March 17, 2007 Did I understand that law suit referenced correctly? The CA was being sued for FDCPA violations for sending that "opt out" letter without the mini-miranda on the page?not totally sure but there was no mini miranda on my page it was just that long privacy opt out notice and what information they can and can't share by law Link to comment Share on other sites More sharing options...
willingtocope Posted March 17, 2007 Report Share Posted March 17, 2007 what information they can and can't share by lawIs there a list? Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 17, 2007 Author Report Share Posted March 17, 2007 Is there a list?not really a list it just goes on to say they can share your non public third party information with certain people.. or share your public information such as name email.. etc with other affilates looking to make offers of special promotions.. there are two places to check mark.. one is to opt out of sharing your third party info with vendors and one for non public info.. it looks like a mailer.. bulk postage of course.. envelope premarked return address requested.. it is on the front and back of the letter Link to comment Share on other sites More sharing options...
willingtocope Posted March 17, 2007 Report Share Posted March 17, 2007 Well, for what its worth, that sound like the same letter mentioned in the law suit above. It doesn't really say what the purpose the CA had in sending it out...just that the debtor (and the court) felt that it was a collection letter without the DV. I'd be interested in what your lawyer thinks of that...(And, of course, I'd suggest you NOT respond to CACV's opt out thingy). Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 17, 2007 Author Report Share Posted March 17, 2007 Well, for what its worth, that sound like the same letter mentioned in the law suit above. It doesn't really say what the purpose the CA had in sending it out...just that the debtor (and the court) felt that it was a collection letter without the DV. I'd be interested in what your lawyer thinks of that...(And, of course, I'd suggest you NOT respond to CACV's opt out thingy).Do you think its a mass mailing? I DVd them in 05... I think the 30 day window has sort of expiredI am not responding to a thing.. I did leave my lawyer a voice mail and I am sure I will hear from him on Monday. it seems odd that they would surface.. My SOL was up the last day of Feb.. they pulled a CR a few days before that... Hibbs thought they were going to try to sell it.. NAF said they have heard nothing from them since 2005... so why now.. again it seems crazy Link to comment Share on other sites More sharing options...
willingtocope Posted March 17, 2007 Report Share Posted March 17, 2007 There does seem to be some buzz on some of the other credit sites that link "opting out" with a way of preventing JDB's from reselling your debt, athough the FTC references seem to deal more with a JDB selling a debt that has been linked to identity theft. I'll be really curious as to what your lawyer says... Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 17, 2007 Author Report Share Posted March 17, 2007 whats so funny is they sent it under the name CA holdings... same address though so I knew it was Lowery and crew.. this letter lists about 20 company names... my they are busy...... Link to comment Share on other sites More sharing options...
IHateCAs Posted March 18, 2007 Report Share Posted March 18, 2007 Well...here's an interesting one for your reading pleasure...http://www.myfairdebt.com/forum/viewtopic.php?p=999&sid=74451bd1ae458dfb73352f79b935bdbeI'll keep looking...Before you even posted that, it seemed like it was a violation of the FDCPA to share or threaten to share personal information with other parties. I mean it's right there in the statute. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 18, 2007 Author Report Share Posted March 18, 2007 Before you even posted that, it seemed like it was a violation of the FDCPA to share or threaten to share personal information with other parties. I mean it's right there in the statute.It reads like a basic privacy notice though.. what am I missing? Link to comment Share on other sites More sharing options...
IHateCAs Posted March 18, 2007 Report Share Posted March 18, 2007 It reads like a basic privacy notice though.. what am I missing?Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.They cannot share 3rd party information if you don't opt out. They are already barred from doing this. You have to opt in.Their only business is collecting debts, what possible information could they share to a 3rd party other than about the debt? For instance, those pre approved credit card offers that some JDBs like to have sent to a debtor. That's an attempt to collect a debt and an illegal 3rd party disclosure. Link to comment Share on other sites More sharing options...
luv2bhappy Posted March 18, 2007 Report Share Posted March 18, 2007 I've also received the opt out option from a collection agency. It was on the original letter they sent to me. I ignored it because I am/was under the impression that third party disclosure was a no-no, so I didn't see the need for opting out of anything. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 18, 2007 Author Report Share Posted March 18, 2007 They cannot share 3rd party information if you don't opt out. They are already barred from doing this. You have to opt in.Their only business is collecting debts, what possible information could they share to a 3rd party other than about the debt? For instance, those pre approved credit card offers that some JDBs like to have sent to a debtor. That's an attempt to collect a debt and an illegal 3rd party disclosure.thank you.. I didnt know that.. so then why even send the letter? If it is not legal for them to share the info? Link to comment Share on other sites More sharing options...
willingtocope Posted March 18, 2007 Report Share Posted March 18, 2007 Okay, I'm guessing here...but I'm guessing that anybody (including CAs and JDBs) can share your "Public" information with anybody. Its the "Non-public" info, the stuff associated with debts, that would be covered by the FDCPA. So, I'm guessing that by someone returning this letter to a CA, they are 1.) verifying there mailing address, and b.) if they are niave enough to "opt in", then they can share the debt relaled stuff.Sounds like one of the "Check No if you do not wish to not vote for the proposition not allowing the non-report of non compliance" kinda ballot issues. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 18, 2007 Author Report Share Posted March 18, 2007 Okay, I'm guessing here...but I'm guessing that anybody (including CAs and JDBs) can share your "Public" information with anybody. Its the "Non-public" info, the stuff associated with debts, that would be covered by the FDCPA. So, I'm guessing that by someone returning this letter to a CA, they are 1.) verifying there mailing address, and b.) if they are niave enough to "opt in", then they can share the debt relaled stuff.Sounds like one of the "Check No if you do not wish to not vote for the proposition not allowing the non-report of non compliance" kinda ballot issues.makes sense to me... its like you need to contact us or we sell the goods.. lol.. I have noticed though not ONE other person said they got one of these.. again it seems odd Link to comment Share on other sites More sharing options...
luv2bhappy Posted March 18, 2007 Report Share Posted March 18, 2007 makes sense to me... its like you need to contact us or we sell the goods.. lol.. I have noticed though not ONE other person said they got one of these.. again it seems oddCBE, I have a collection that's with a CACH attorney in California. I haven't heard anything from them in a while, but if I receive this notice I'll be sure to let you know. I've recently moved, so it takes about a week for my mail to forward to me. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 18, 2007 Author Report Share Posted March 18, 2007 CBE, I have a collection that's with a CACH attorney in California. I haven't heard anything from them in a while, but if I receive this notice I'll be sure to let you know. I've recently moved, so it takes about a week for my mail to forward to me.Thanks I would appreciate it! Link to comment Share on other sites More sharing options...
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