Bill87 Posted October 19, 2008 Report Share Posted October 19, 2008 I sent a DV letter to an attorney group reprseting HSBC Bank. The reply I got back included an affidavit that he represents HSBC and that the note or other written evidence of indebtedness in the matter has been destroyed, lost or is inaccesible. and that they concider the debt validate.Does this fullfill the requirements of the FCRA. Link to comment Share on other sites More sharing options...
Focus2069 Posted October 20, 2008 Report Share Posted October 20, 2008 I sent a DV letter to an attorney group reprseting HSBC Bank. The reply I got back included an affidavit that he represents HSBC and that the note or other written evidence of indebtedness in the matter has been destroyed, lost or is inaccesible. and that they concider the debt validate.Does this fullfill the requirements of the FCRA.So.....they admit they have no proof that the debt is yours, but they consider the debt valid?My response (granted I am a hard headed sunuvabitch) would be something along the lines of...I have no recollection of having such an account with HSBC or its affiliates, since you have no proof, I do not consider this debt to be valid. If you wish to pursue your fruitless endevour, SUE ME.Then file a counterclaim for frivilous lawsuit but then again...i like to pick a fight. Link to comment Share on other sites More sharing options...
tommy32 Posted October 21, 2008 Report Share Posted October 21, 2008 So.....they admit they have no proof that the debt is yours, but they consider the debt valid?My response (granted I am a hard headed sunuvabitch) would be something along the lines of...I have no recollection of having such an account with HSBC or its affiliates, since you have no proof, I do not consider this debt to be valid. If you wish to pursue your fruitless endevour, SUE ME.Then file a counterclaim for frivilous lawsuit but then again...i like to pick a fight.I hope I get letters like that when I DV!!! Focus is right IMO...They admitted that they can't prove that you have a debt!!! This should not be that hard of a delete. Good luck:) Link to comment Share on other sites More sharing options...
puck Posted October 22, 2008 Report Share Posted October 22, 2008 I sent a DV letter to an attorney group reprseting HSBC Bank. The reply I got back included an affidavit that he represents HSBC and that the note or other written evidence of indebtedness in the matter has been destroyed, lost or is inaccesible. and that they concider the debt validate.Does this fullfill the requirements of the FCRA.But the problem is if HSBC keeps verifying with the big three you will never get it taken off the credit reports. Equifax, Transunion and Experian do not follow the laws of the FTC. It is a pain in the a$$ dealing with them. It took 2 years of bull**** for them to delete a tradeline of charge off to paid in full and I had a letter from the creditor. I had to mail and fax it to them 10 times before they got it right. But every time I pull the reports i am waiting for them to show up. They are not regulated they are free to do whatever they want.puck Link to comment Share on other sites More sharing options...
Focus2069 Posted October 22, 2008 Report Share Posted October 22, 2008 But the problem is if HSBC keeps verifying with the big three you will never get it taken off the credit reports. Equifax, Transunion and Experian do not follow the laws of the FTC. It is a pain in the a$$ dealing with them. It took 2 years of bull**** for them to delete a tradeline of charge off to paid in full and I had a letter from the creditor. I had to mail and fax it to them 10 times before they got it right. But every time I pull the reports i am waiting for them to show up. They are not regulated they are free to do whatever they want.puckwhy did you waste so much time and effort?If you had everything in writing, just take it to your nearest consumer lawyer and tell them to have fun with it.to quote a veteran of the credit war "a CRA or creditor/ca/jdb will remove a derogatory TL much faster when you send them a summons than when you send them a letter or a check." Link to comment Share on other sites More sharing options...
Denita Posted October 22, 2008 Report Share Posted October 22, 2008 Focus is right! Can you imagine being in front of the judge with the attorney's own letter admiting they lost the note and have no evidence to prove that you owe the debt other than their word? :mrgreen:Let the attorney's office pay you! Link to comment Share on other sites More sharing options...
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