LoveToGod Posted April 7, 2008 Report Share Posted April 7, 2008 I have RJM Acquisition that is collecting $552 for Wachovia. I refused to pay the overdraft fees. I argued with the bank, but they would not remove it. I sent a DV to them, but they have not replied.People talk about timely DVs, but.1. I have not moved recently.2. My current address is on all three of my CRAs3. RJM Acquisition TRULY NEVER SENT ME A DUNNING LETTER.4. I would not have known about it if I had not looked at my credit.5. I sent them a DV, but they have not responded.Here is a good question. Has this CA violated the law if they never sent me a dunning letter but placed it on my credit?Have they violated the law for not responding to a DV, if they did not send the dunning letter?Do I have them on any violations here?Should I treat them like an OC and send them that type of letter?So for calculating how they are charging me I am at a loss on how to approach this one.I am looking for suggestions on how to handle this one. Link to comment Share on other sites More sharing options...
LoveToGod Posted April 7, 2008 Author Report Share Posted April 7, 2008 In that first sentence, I ran two thoughts together. I should have said that I argued with the bank about the charges months ago, and then when I saw the RJM on my credit report that is when I sent the DV. They are two different events. Link to comment Share on other sites More sharing options...
TTigggers Posted April 7, 2008 Report Share Posted April 7, 2008 I see you started a new thread so I copied my response hereQuote:Originally Posted by josephl CMI for Time Warner is on all three. It also the ONLY CA on my Equifax report. If I got it off I would have no CAs at least on Equifax. This has been the biggest goal of mine to get the collections off my reports. I have RJM Acquisition that is collecting $552 for Wachovia. I refused to pay the overdraft fees. I argued with the bank, but they would not remove it. I sent a DV to them, but they have not replied.People talk about timely DVs, but.1. I have not moved recently.2. My current address is on all three of my CRAs3. RJM Acquisition TRULY NEVER SENT ME A DUNNING LETTER.4. I would not have known about it if I had not looked at my credit.5. I sent them a DV, but they have not responded.Unfortunately they are not required to respond to you.Did you state that you saw the TL on your CR and have never been contacted about it?Here is a good question. Has this CA violated the law if they never sent me a dunning letter but placed it on my credit?No they have not.Have they violated the law for not responding to a DV, if they did not send the dunning letter? It should be but it doesn'tIn court they only have to prove that they have a system in place to send the letters not proof that they were actually sent. Yes that sucks.Do I have them on any violations here?Not that I can see.Should I treat them like an OC and send them that type of letter?I would, if they have not responded to your DV. I have done this in the past and have had good results.This would be a FCRA section 623 letter.So for calculating how they are charging me I am at a loss on how to approach this one.All you can do is ask. Let them think that you are going to pay them if they provide you with the information you're asking for.FOR CMI I:1. Sent a DV to them, but they provided a computer print out. This whole thread is about that, and I won't say any more about that than what is already posted. I have thought about treating them as an OC, and sending that type of letter. Yes send it also send Time Warner one as they would be the OC.What is the whole bill in dispute over? Link to comment Share on other sites More sharing options...
LoveToGod Posted April 7, 2008 Author Report Share Posted April 7, 2008 Did you state that you saw the TL on your CR and have never been contacted about it? I know this is a duplicate, but I should have started the new thread instead of asking the question there... Is there anyway to use this fact to my advantage? Link to comment Share on other sites More sharing options...
TTigggers Posted April 7, 2008 Report Share Posted April 7, 2008 I know this is a duplicate, but I should have started the new thread instead of asking the question there... Is there anyway to use this fact to my advantage?It is a long shot but it can work. Basically you are saying that when you saw this on your CR it was your initial contact or notice that they were trying to collect.You try to hold them to the 30 day timely DV from that point as this is when you first became aware of the collection.Remember you are in Texas and you have more legal rights than the rest of us.There is no such thing as an UnTimely DV in Texas.You should look into your state laws as far as collections go. Link to comment Share on other sites More sharing options...
LoveToGod Posted April 7, 2008 Author Report Share Posted April 7, 2008 It is a long shot but it can work. Basically you are saying that when you saw this on your CR it was your initial contact or notice that they were trying to collect.You try to hold them to the 30 day timely DV from that point as this is when you first became aware of the collection.Remember you are in Texas and you have more legal rights than the rest of us.There is no such thing as an untimely DV in Texas.You should look into your state laws as far as collections go.You know what is interesting and this does not have anything to do with this, but I have thought about going to Law school, but the tuition is expensive, and I work full time. I found another e-book that says you can do law school on line and take the bar exam in California. I then searched the rules on getting licensed to practice in Texas, and Texas does not accept you from online law schools even if you are licensed in another state. Texas is the only state like that. It is like Texas has its own constitution. Link to comment Share on other sites More sharing options...
LoveToGod Posted April 7, 2008 Author Report Share Posted April 7, 2008 You should look into your state laws as far as collections go.You just brought up a very good point. I have yet to look at Texas law regarding these things. I think I will search that today. Link to comment Share on other sites More sharing options...
VeVe Posted April 7, 2008 Report Share Posted April 7, 2008 Wachovia will settle for less than the full balance, especially when it's for overdraft fees. Try writing to them directly. Link to comment Share on other sites More sharing options...
TTigggers Posted April 7, 2008 Report Share Posted April 7, 2008 You just brought up a very good point. I have yet to look at Texas law regarding these things. I think I will search that today.Ya Texas has some great comsumer protection laws.I would do some reasearch on them you may find some violations of state law there.I don't know if you have looked here or not but there is some good info.http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=222230 Link to comment Share on other sites More sharing options...
smokhound774 Posted April 7, 2008 Report Share Posted April 7, 2008 I HAD a RJM Acq on my CR . The first dv letter was sent 02/11/08 The second 03/15/08 .The letter from RJM deleting the account complete with an apology 03/25/2008 YMMV Link to comment Share on other sites More sharing options...
LoveToGod Posted April 7, 2008 Author Report Share Posted April 7, 2008 I HAD a RJM Acq on my CR . The first dv letter was sent 02/11/08 The second 03/15/08 .The letter from RJM deleting the account complete with an apology 03/25/2008 YMMVDid you send the same letter twice? I have thought about sending then the letter that I would send to an OC. Link to comment Share on other sites More sharing options...
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