QM07 Posted September 25, 2007 Report Share Posted September 25, 2007 Approximately 6 months after DV'ing West Asset Management on a BoA debt I received photocopies of my bank statements from an address that does not belong to West Asset with no correspondence/letter indicating who the docs were from or what they were for. Obviously, knowing that I DV'd West Asset for a BoA debt its from them, but I sent a letter to the address the unmarked envelope came from asking who they are and why they sent me these docs. They haven't responded, and its coming up on 30 days since I've received these docs so I feel like I need to take action before they try reporting to the CBs.The kicker is, the photocopied documents basically show that I had $545.69 charged off and my account closed. However, West Asset has been trying to collect $640 from me, which is not accounted for in these docs. What exactly should I say to them in my letter regarding this, because I know that is not proper validation.Thanks for your help. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted September 26, 2007 Report Share Posted September 26, 2007 you ask them to account for the additional fees in your DV letter but they are allowed to charge collection fees which is probably what that amount is Link to comment Share on other sites More sharing options...
Fizzle1979 Posted September 26, 2007 Report Share Posted September 26, 2007 Usually a CA will leave their name off the outside of the envelope...just the address. But maybe they just forgot to include their generic letter that said who they were with and contact information, etc when they mailed you the validation. Link to comment Share on other sites More sharing options...
QM07 Posted September 28, 2007 Author Report Share Posted September 28, 2007 Isn't there a maximum % of the original debt that they can put collection fees of? Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted September 28, 2007 Report Share Posted September 28, 2007 Isn't there a maximum % of the original debt that they can put collection fees of?whatever the contract says usually. Link to comment Share on other sites More sharing options...
QM07 Posted September 28, 2007 Author Report Share Posted September 28, 2007 I don't have a contract, it was for a checking account, and the CA never provided me with a copy of any contract. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted September 28, 2007 Report Share Posted September 28, 2007 I don't have a contract, it was for a checking account, and the CA never provided me with a copy of any contract.it might be in the terms of the checking account, if not, they will likely have to eat the cost of collection. usually the CA's get a percentage of the recovery. Link to comment Share on other sites More sharing options...
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