Nutcase letters are FUN to write!

[SecretAgentWoman]

I am getting a bit impatient, a bit giddy with months and months of credit repair.

I have been very formal, very professional, very template-oriented up until now.

But I have many off, and the few that remain or new ones popping up are getting me ticked, so I'm taking a different turn.

Someone on this board mentioned they write the agencies weekly, call them (I know, I know, don't call - but if you aren't going to pay, and you know that you aren't going to cave in and give away incriminating information why not?), harrass them back! Make them understand that you are going to COST them money in time spent responding to you, and possibly in court, not MAKE them money, maybe they will make you go away with a nice little delete...

I wrote four nutcase letters this morning and oh my goodness...what a stress relief! A nutcase letter allows you to say everything you say on this board, allows you to NOT be professional and just let them have it.

Here is one I wrote, to an agency that has no hope of collecting a two 6 year old phone bills:

To Whom It May Concern:

I’m writing you to let you know I am now in receipt of the signed card from the certified letter (article number XXXX XXXX XXXX XXXX XXXX) I sent you disputing these “debts” and requesting validation per federal and Texas law.

If you didn’t already know, Texas law requires you to update my file with the credit reporting agencies showing the account as disputed within 5 days of you receiving my written dispute. I’m watching my report daily, to make sure you do so.

Since D. Petiotto signed the card on April 5, 2007 that means I look forward to seeing my file updated or removed (better to just delete both accounts altogether, I promise you) at the latest Friday, April 13, 2007. I’m being nice because of the holiday. I won’t really be all that forgiving as this rolls on, however.

The fact of the matter is, neither account is mine to pay, and they are both for piddly amounts, and I am going to fight this tooth and nail, watching you like a hawk making sure you don’t make any mistakes or violations that I can document and use take you to court. So, I’ll leave it to you to decide your most profitable course of action.

I will most likely be calling in the near future. I may call daily, a few days a week, I dunno. How much do you pay your collection agents per hour?

Thank you and I look forward to your resolving this most expeditiously.

Sincerely,

SecretAgentWoman

And a couple of other ones to agencies that have re-aged, or otherwise been stubborn, I just went complete crazy and talked about being a mother and what they are doing to me, etc.

Really, it was fun, you should try it. Just state whatever madness comes out of your head.

I plan on start calling them tomorrow. Just see how much time and money I can waste as they get frustrated.

[mattandallismom]

:lol: OMG that's funny! You have to let us know how they responded.

[CantCU]

Don't you wish you had auto dialer capabilities? I do have a redial button on my phone but it would be nice to be able to call and give them a recording. If you aren't XYZ Collections, please hang up immediately...

Thanks for the laugh this morning. I'm just about ready to follow right behind you.

[lyle7289]

Too funny... I am curious as to how they respond.....Keep us posted!!

[SecretAgentWoman]

Note: I don't recommend you use this against OCs, only CAs and JDBs, and only if the account is out of SOL.

I will most definitely update this thread so we can see the reaction.

[AISLE4]

You know what else is fun? I like to send lengthy rants via fax to CAs. It's a great way to relieve frustration. You can get the fax numbers for the various CAs at budhibbs.com. I have an internet fax service with a phone area code that is thousands of miles away from my actual address. I can send up to 250 pages each month for $9.95. It's worth every cent.

[aachudneymiles]

I am getting a bit impatient, a bit giddy with months and months of credit repair.

I have been very formal, very professional, very template-oriented up until now.

But I have many off, and the few that remain or new ones popping up are getting me ticked, so I'm taking a different turn.

Someone on this board mentioned they write the agencies weekly, call them (I know, I know, don't call - but if you aren't going to pay, and you know that you aren't going to cave in and give away incriminating information why not?), harrass them back! Make them understand that you are going to COST them money in time spent responding to you, and possibly in court, not MAKE them money, maybe they will make you go away with a nice little delete...

I wrote four nutcase letters this morning and oh my goodness...what a stress relief! A nutcase letter allows you to say everything you say on this board, allows you to NOT be professional and just let them have it.

Here is one I wrote, to an agency that has no hope of collecting a two 6 year old phone bills:

And a couple of other ones to agencies that have re-aged, or otherwise been stubborn, I just went complete crazy and talked about being a mother and what they are doing to me, etc.

Really, it was fun, you should try it. Just state whatever madness comes out of your head.

I plan on start calling them tomorrow. Just see how much time and money I can waste as they get frustrated.

I love it ...

I love it .... oh my goodness thats is sooooooo funny heeee eeeeeee

[someonesomewhere]

I have an internet fax service with a phone area code that is thousands of miles away from my actual address. I can send up to 250 pages each month for $9.95. It's worth every cent.

Internet fax service? Do tell.

[atak88]

way to go

Get after there a$$

Time is money to the CA's lets burn it.How can they make there calls when we are calling them with a great amount of BS.

If push ever comes to shove when you use this tecnique contact the OC tell them that you are filing suit against the CA for violations of the FCRA and the FDCPA send it to the OC CMRR they will almost always pull it from this CA and move it to there backup CA as they don't want to be Co-defendents in any lawsuit.

LEts all stop being passive and bring it to the CA's a$$

I'm OUT

[aachudneymiles]

Internet fax service? Do tell.

www.efax.com/free you cant rec free faxes and get a free fax number but if you want to send them you have to pay:)++

[mommabear]

Oh my...I am quite literally laughing out loud.

Love it!

[direred]

I think you should ask if they would report your tradeline in blue.

Not just any tradeline. A blue one.

[someonesomewhere]

Get a spiral notebook, lined 3 hole paper, rip a page out. Write your letter in crayon. Maybe use two or three different colors. A couple of backwards letters.

[AISLE4]

Get a spiral notebook, lined 3 hole paper, rip a page out. Write your letter in crayon. Maybe use two or three different colors. A couple of backwards letters.

Use a lot of colors and provide a color key to let them know what each color represents.

Black: vengeance

Red: you can guess

Yellow: venom

Green: basil

Blue: pixie dust

[SecretAgentWoman]

LMAO

You guys keep coming with the ideas, I just may use them...

I called several today. Boy, some were nasty. Some were real nice. One got her manager on the phone and he threatened to sue. I said sure, go ahead. It's even in the SOL for 4 more months. But it's only for $244 and by Texas law, they can't use small claims they have to go to the big courts. It would cost more for them to sue me then they would collect. Haha.

[atak88]

Cut all of your letters out of a magazine and paste them on a piece of notebook paper.

[zfire]

I loved the letter. Can we see copies of the other ones you wrote?

Also, re the fax number post. Thanks for that, I have saved it in favorites.

How handy!

[MountainDude]

That letter made my day.

xWhipMex xWhipMex

j

[someonesomewhere]

This thread devolved into sample nutcase letters.

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=263809

[timbercreektech]

A few page fax in legal sized paper with white lettering on a black background uses ink so fast you wouldn't believe it. wink*

[SecretAgentWoman]

Hey guys, nutcase letter #2 is here! Enjoy:

Hello. I just wanted to keep in touch letting you know what’s going on here.

I called on April 10 to talk to someone about this account, got Sharon. Boy, was she nasty. You guys do a good job on training your agents in “evil.” I was pleasant, just asking to talk to someone. I gave her the account number and she said her office wasn’t handling the account, Allied Interstate was, and gave me the number.

I called Allied, got a recording saying they were closed despite my calling in their office hours per the recording, called back to Sharon. She got nasty again and said they are open, she just tried them. Ok, I asked her since it was HER company on my credit report, not Allied, I wanted to talk to someone at Palisades. She hung up on me, now that’s good evil.

I called Allied again, got Mary, and she asked for my social security number. Now, come on, anyone worth their brain isn’t going to give out their SSN willy nilly, so I refused. She said they couldn’t help me without it. I said I had an account number, she said it was Palisades, not theirs, and they couldn’t find the account with it. Haha, more evil. She then proceeded to give me bull about how I owe this account and if I don’t give my SSN then blah blah blah I don’t pay my bills and blah blah blah. I said SOMEONE should be able to find this account with the number YOU provided to the credit bureaus and she hung up too.

I called back to you guys, got James this time. Now, he must be new, because he was polite at first. Please don’t hold that against him, I’m sure he’ll get the hang of collection agency evil eventually. I explained my issue – Palisades is the one reporting, they won’t talk to me, making me call Allied, but Allied won’t talk to me without THEIR account number or my SSN, which I am not giving out. I asked him to give me the Allied account number. He says they don’t have it. Now, wait a minute – Allied Interstate is contracted to collect this account for you, but they don’t have your account number and you don’t have their account number on record? How the hell do you guys talk to each other? At that point his evil training kicked in (see, I told you he would do well) and he got rude and said provide your SSN or else I’m not serious about clearing up this account and hung up on me.

So, I called Allied again. Whoever answered (sounded like Mary) hung up on me as soon as I said “Hi, this is SecretAgentWoman and…” Keep in mind; I kept very polite all this time. So, I called again, this time Erica answered.

Now, Erica, here is someone who takes pride in being evil. I mean, she’s a keeper. She was very “holier than thou” and held herself to a higher standard than the low-lifes she tries to collect from every day. She should get a raise! After explaining my dilemma, she said if I couldn’t provide my SSN, she would provide it to me. Miraculously, she found the account with simply my name. Why Mary couldn’t do so, I don’t know. She then said if I wouldn’t provide my SSN, she would tell ME what it was just to prove she could. She then proceeded to recite my entire social security number to me. Whoa, nelly. I told her isn’t that a violation, since she has no proof of my identity on the phone? She brushed that off. Don’t think I didn’t make note of this violation.

Ok, so now we have an account, and I am talking to your agent, right? So, I say I have no recollection of this account and I need her to send me proof from the original creditor to validate, since no one has answered my validation letter per law. She says there are two accounts and am I denying I opened an account with Verizon twice (twice?? If I supposedly didn’t pay the first, why would they give me a second? The mind boggles, but I digress.). I said I don’t know if the accounts are mine. She says am I claiming identity theft? (See, I told you she was good.) I said I’m not claiming anything except you have to prove these debts are mine with validation from the original creditor. She said I’d have to send my request by letter, BUT if I did demand validation, that ANY chance of settlement for less than the full amount was gone. (Very nice – threw in a threat!) Yes, I did also make note of this violation for court later. I said I’d take my chances and she gave me the address. I already have the signed certified receipt (article number XXXX XXXX XXXX XXXX XXXX) showing they got the letter.

Now, speaking of violations, I have been pulling my credit report daily, and I have noticed you have NOT updated the account to “consumer disputes” per the TFC and FCRA. I sure hope this means you are going to ignore the DISPUTE in the eOscar system I’ve entered with all three credit bureaus or you are going to tell them to delete. Otherwise, we have an issue to bring to court.

Have a nice day,

SecretAgentWoman

PS – you also haven’t provided validation from the original creditor per my letter on March 29, 2007 so I say you got a week to cough it up or get the hell off my report.

[redbank]

i just almost peed myself laughing.....

that was nice.

[Fizzle1979]

I wish I was that intelligent to come up with stuff like that! Great job! My coworkers are wondering why I'm laughing at the computer screen and I refuse to tell them.

[Quadcam79]

That

was

freakin

AWESOME!

:lol:

[zfire]

SAW do you have more of these?

This one made my day.

Excellent!