hummer931 Posted May 10, 2007 Report Share Posted May 10, 2007 When i dv a CA isnt the CA supposed to send the info. I dv'd first point collection as soon as it came on my equifax report (never got a dunning letter BTW)and a month later got a hugh packet of bills and statements from the OC.Whats up with that?does that fly as far as the fdcpa goes? Link to comment Share on other sites More sharing options...
divemedic Posted May 11, 2007 Report Share Posted May 11, 2007 No. The FDCPA is plain. The CA must obtain validation from the creditor, and then send it to the debtor. Link to comment Share on other sites More sharing options...
hummer931 Posted May 11, 2007 Author Report Share Posted May 11, 2007 so does that mean that for the past 12 months... all of the reporting and verifications have been violations under the fdcpa.Because I think they have been. Link to comment Share on other sites More sharing options...
hummer931 Posted May 11, 2007 Author Report Share Posted May 11, 2007 also, since damages are limited to 1k under the fdcpa and the debit they are trying to collect is 1900.. should i try and find more violations before going to court or firing off an intent to sue?right now i have them reporting.. never recieveing ANYTHING from the ca... supposed "validation" from the OC... ive been looking for hours.. should i try and see if they violated any NC state law? whats the proverbail next step? Link to comment Share on other sites More sharing options...
merkurfan Posted May 11, 2007 Report Share Posted May 11, 2007 it's damn near impossiable to prove they never sent you a letter. We have to prove we sent them letters, but they basically just have to say "on such and such a date we sent joe smith a dunning letter" So, while it is a violation it's not a easy one to win. Link to comment Share on other sites More sharing options...
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