wolfhound Posted June 9, 2007 Report Share Posted June 9, 2007 This is in reference to a letter I got from a CA in California about an old MBNA account. Last payment was late 2001, charged off in early 2002.SOL here in WA is either 6 or 3 years, apparently depending on which person you ask.The original credit limit was $1500. This letter claims the amount is $2500 plus interest of $3500.I want to DV but not admit this is my debt, while at the same time questioning the amount, and also referring to the possible SOL having passed.He also included a little paragraph saying they will make an adverse credit reprt to a CRA if I don't fulfill the terms of my obligation, blah, blah, blah.This is already on my CR, can they put the same thing on there twice? What's the best way to word a response?I particularly question the interest amount. None of the other accounts have anything remotely close to this tacked on, in fact, the other, spearate MBNA account only has about $160 in interest tacked on.BTW this CA doesn't seem to be an attorney. Link to comment Share on other sites More sharing options...
thegame26 Posted June 9, 2007 Report Share Posted June 9, 2007 in reference to your letter dated ______ I am hereby exercising my rights under the FDCPA and requesting a validation of debt for the referenced account. Link to comment Share on other sites More sharing options...
nascar Posted June 9, 2007 Report Share Posted June 9, 2007 in reference to your letter dated ______ I am hereby exercising my rights under the FDCPA and requesting a validation of debt for the referenced account.That's about it. Link to comment Share on other sites More sharing options...
wolfhound Posted June 9, 2007 Author Report Share Posted June 9, 2007 So...save the other stuff for later? Link to comment Share on other sites More sharing options...
kevin3344 Posted June 10, 2007 Report Share Posted June 10, 2007 I've used the sample on this board with success...of course, don't use it word for word! Tailor it to what you need. For example, I moved to a different state so I put in my DV "show me you are licensed to collect in my state"...got rid of a CA that way. Use what you need. Link to comment Share on other sites More sharing options...
velmap Posted June 12, 2007 Report Share Posted June 12, 2007 I've used the sample word for word every time. They either will validate it or not, or send it to thenext CA.. has been my experience. Link to comment Share on other sites More sharing options...
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