Nascar3 Posted January 27, 2008 Report Share Posted January 27, 2008 Since I now have these 2 new collections (out of nowhere) on my credit I am full of questions again. Yes, I have read the boards! I'm not clear on a couple of things though....This Oxford Collection Agency, also known as Oxford Management Services, apparently called and spoke with my husband last week. I didn't find this out until this morning when I found the number written down on an envelope sitting on top of the microwave. It just had a phone number and a name. I asked my husband "Who is this?" He said "They wouldn't say." I figured it might be them so I called just to see. Sure enough. The recording said "Oxford Management." I hung up (naturally.) My question is this. Does this constitute their initial contact? They didn't speak to me nor did they say who they were or what they wanted. Just left a message wanting me to call (which I have no intention of doing.)These were the people I "found" on my credit file the other day. Never received a dunning letter. Didn't I read they have 5 days from initial contact to send something in writing? I believe I just read in another post that someone else actually DOES call the collection agency to MAKE initial contact, which often forces the CA into a violation when they don't receive anything in writing within 5 days. I did send a DV letter out a couple of days ago, but they haven't received it yet according to the USPS website. Suggestions?P.S. This is for an old Cingular bill, which is now owned by AT&T Link to comment Share on other sites More sharing options...
rmuse00 Posted January 27, 2008 Report Share Posted January 27, 2008 Does this constitute their initial contact? Never received a dunning letter. Didn't I read they have 5 days from initial contact to send something in writing? I did send a DV letter out a couple of days ago, but they haven't received it yet according to the USPS website. Is the debt still within SOL? The law states 5 days within initial contact. I understood that the consenses is still out on whether or not the actual phone call is enough. They have to give you the 30 day right to dispute miranda and leaving a message does not do that. However, if you have already sent a DV, you are already doing what they are required to give you notice of. At this point, I would wait a few more days for them to sign off on your DV. Don't forget when they receive 1st DV be sure to dispute with CRA's too. If they do not sign off on the 1st DV. I would send another DV letting them know that you got the "message" to call them but never saw any written communication and since they are already in violation they best respond to your DV. After they signoff 2nd DV I would dispute with CRA's again. Link to comment Share on other sites More sharing options...
Nascar3 Posted January 27, 2008 Author Report Share Posted January 27, 2008 Is the debt still within SOL? The law states 5 days within initial contact. I understood that the consenses is still out on whether or not the actual phone call is enough. They have to give you the 30 day right to dispute miranda and leaving a message does not do that. However, if you have already sent a DV, you are already doing what they are required to give you notice of. At this point, I would wait a few more days for them to sign off on your DV. Don't forget when they receive 1st DV be sure to dispute with CRA's too. If they do not sign off on the 1st DV. I would send another DV letting them know that you got the "message" to call them but never saw any written communication and since they are already in violation they best respond to your DV. After they signoff 2nd DV I would dispute with CRA's again.Unfortunately, the debt is still within SOL. I would say it is 2 years old. I have my dispute to the CRAs (Experian and, as of today, Equifax too) now witten.) I plan on sending those out first thing in the morning. The odd thing is, the OC never showed up on my credit report. Link to comment Share on other sites More sharing options...
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