petr3772 Posted April 27, 2007 Report Share Posted April 27, 2007 No proof of anything. Should I DV them again? Link to comment Share on other sites More sharing options...
petr3772 Posted April 27, 2007 Author Report Share Posted April 27, 2007 O yes... they also sent it saying that if i don't respond in 30 days they will consider it valid and dated thier response for 2 months ago even though the post mark says otherwise?!?!? Link to comment Share on other sites More sharing options...
merkurfan Posted April 27, 2007 Report Share Posted April 27, 2007 I here they are real SOB's.. DV them again. Hang on to the envolope and the letter. They are trying to setup their paperwork to show you did not DV in time. Some one else smarter than I will come along and tell you if it is a good idea to tip your hand as to knowing they are breaking the law with you. Link to comment Share on other sites More sharing options...
IHateCAs Posted April 27, 2007 Report Share Posted April 27, 2007 Why is a bill not a proof of anything? Link to comment Share on other sites More sharing options...
myscoresawful Posted April 27, 2007 Report Share Posted April 27, 2007 They responded to my initial DV with a short letter that basically said:We verified witht he original creditor that this is the amount you owe and that it is your debt.Thats it.!I sent a second letter stating that we all knew that was NOT acceptable validation and that they better send me proof or remove it or I am going to take legal action against them.AFNI are sneaky too. They actually sent two repsonses, one to an old address (not the one I used on my DV letter and not an address that they would associate me with) and I ignored it, but basically it stated that they needed more information and could not investigate until I wrote them and told them expressly what I was disputing.again, I ignored that one and then they sent the other one to the address I gave them in my DV letter.What about the bill they sent you? Does it show where they calculated the amount they say you owe? If so, it is probably acceptable validation, I'm afraid. Link to comment Share on other sites More sharing options...
petr3772 Posted April 27, 2007 Author Report Share Posted April 27, 2007 no it just states the original creditor and the amount... not a bill from the OC. Link to comment Share on other sites More sharing options...
Alaska Posted April 27, 2007 Report Share Posted April 27, 2007 I have also received a collerction letter from AFNI for a verizon bill from 12/2000. SOL but still reportable. I asked to validate and they responded with"this letter confirms the original creditor and balance of your account" they listed some registrations numbers in NC, NY City and Minnesota (I live in PA). they also included copy of the original bill.Is this sufficient validation? Can I still do FOAD letter based on expired SOL?New to this - need help....Thanks in advanceAlaska Link to comment Share on other sites More sharing options...
IHateCAs Posted April 28, 2007 Report Share Posted April 28, 2007 Is the amount claimed due the same as the amount on the copy of the bill? If so, probably. Link to comment Share on other sites More sharing options...
feedup Posted April 28, 2007 Report Share Posted April 28, 2007 Please help me understand WHY AFNI can come after someone for $30 bucks YEARS later and cause so much trouble?? There is something wrong without laws that allow this. I too am fighting with a stupid phone bill from 2001 and it is truly messing up my credit! The time / money spend on this is way beyond my comprehension!! Link to comment Share on other sites More sharing options...
IHateCAs Posted April 28, 2007 Report Share Posted April 28, 2007 Please help me understand WHY AFNI can come after someone for $30 bucks YEARS later and cause so much trouble?? There is something wrong without laws that allow this. I too am fighting with a stupid phone bill from 2001 and it is truly messing up my credit! The time / money spend on this is way beyond my comprehension!!So what type of law would you like to see to prevent this behavior? Link to comment Share on other sites More sharing options...
Alaska Posted April 30, 2007 Report Share Posted April 30, 2007 Can I send AFNI FOAD based on expired SOL?Thanks for your help. Link to comment Share on other sites More sharing options...
CleverCynic Posted April 30, 2007 Report Share Posted April 30, 2007 I'd like to see $100 become the minimum reportable amount, with anything less being negligable to the CR system. Principle amount before collection fees and junk interest of course not adding to eligibility. Link to comment Share on other sites More sharing options...
PeteDude Posted May 14, 2007 Report Share Posted May 14, 2007 Please help me understand WHY AFNI can come after someone for $30 bucks YEARS later and cause so much trouble?? There is something wrong without laws that allow this. I too am fighting with a stupid phone bill from 2001 and it is truly messing up my credit!Because enough hasn't been done to stop them.Eventually, someone will need to file a class-action suit to get this to stop.Also, it wouldn't hurt for people to start writing the Illinois state Attorney General about AFNI. They were very helpful when I was pursuing an issue with Experian (who happen to have offices there). Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted May 14, 2007 Report Share Posted May 14, 2007 O yes... they also sent it saying that if i don't respond in 30 days they will consider it valid and dated thier response for 2 months ago even though the post mark says otherwise?!?!?I love it when a CA sends the "30 days to dispute mini-miranda" when you didn't timely dispute originally. I look at it as "my first notice" and that puts them on the hook to follow FDCPA 1692g. If you are ever approached by CA's make sure you DV them timely or you lose a lot of FDCPA rights. Link to comment Share on other sites More sharing options...
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