longbow Posted April 12, 2009 Report Share Posted April 12, 2009 I would like to know just how effective are DV letters. Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted April 12, 2009 Report Share Posted April 12, 2009 I would like to know just how effective are DV letters.Effective at what, precisely? What is it you hope to accomplish?Dispute/validation letters are important because they are the only way for a consumer to preserve all his/her rights under the law.They are also the only tool, short of suing or being sued, that a consumer has available by which to obtain the information needed to decide if the third-party collector has the legal authority to collect on behalf of the creditor, who the current creditor is and the correct amount of the debt and/or whatever other information the consumer needs in order to make an informed decision about the debt. Link to comment Share on other sites More sharing options...
oldguy47 Posted April 12, 2009 Report Share Posted April 12, 2009 I would say vary effective, I have been disputing with Barclays Bank over fraudulent charges for 6 months and have just sent the 2nd CA a DV letter. The first CA said that they would ask BB for the documents that I asked for and I never heard from them again. BB will not send a copy of the check or other information I’m asking for in my DV letters as they know that will just give me the proof I need. I would not just use a form letter, they are a good start but need to be customized. Link to comment Share on other sites More sharing options...
longbow Posted April 13, 2009 Author Report Share Posted April 13, 2009 The reason why I'm asking is because Mann Bracken sent me a letter on April 9. After reading about Mann Bracken on this and other forums. I know they are brutal and sneaking. I know they proceed with arbitration even when they haven't validated the debt. So I'm wondering what good is it to send the DV letter when all they're going to do is ignore it. I'm new to this. Link to comment Share on other sites More sharing options...
debtorshusband Posted April 13, 2009 Report Share Posted April 13, 2009 You must remember that nobody in the forum has the information you have in your head. The only thing we have to go by is what you post. We don't know how old this debt is, how many collection agencies it's been through, whether or not this is your debt, whether or not you have the means to pay it, why you don't want to/can't pay it, etc.So the advice you get from forum members is shaded by our own experiences, or unconsciously assumes certain things.It's kind of like playing chess, where certain responses have become the generally accepted "best move" to counter the opponent's moves.And like Robert has said, the standard response to a dunning letter is to send a DV letter, since it preserves your legal rights. I believe there is general agreement here that ignoring dunning letters is not to your advantage in the long run.A DV letter also tells the collector, in my opinion at least, that you are not going to stand by while they file a lawsuit and get a default judgment.As for them ignoring your DV letter, you can't know that's what they'll do. To go back to the chess analogy, you need to make your move, then wait for the opponent to make their move, and only then can you decide what your next move should be.Regards,DH Link to comment Share on other sites More sharing options...
docniss Posted April 13, 2009 Report Share Posted April 13, 2009 In my experience DV's work especially well. I have CA's calling me non stop, of which I do not answer, then of course they send me a letter stating they have tried calling and cannot reach me. I respond with my DV and they go bye bye. It is true, Mann Bracken likes the arbitration process. They filed one against me and then filed a MTD before I even knew there was something going on. My friend had different results with her MB arbitration case, I helped her file documents with the NAF for months getting them to verify the debt. Her requests fell on deaf ears, she lost the arbitration, but someone still has to file in U.S. District Court in order to get a judgment against her. I could not find that Mann Bracken or any of its affiliates are licensed in my state therefore, Mann Bracken cannot file a suit against her, a state licensed attorney would have to do that. It has only been about a month or so since her arbitration case was closed so it is just a waiting game right now. I would recommend that you you DV them and if it goes to arbitration, just answer any document that is sent to you and try to get arbitration to have them prove the debt...they won't. NAF or Mann Bracken. Link to comment Share on other sites More sharing options...
admin Posted April 13, 2009 Report Share Posted April 13, 2009 I think they work very well. They will usually stop the harrassment - and sometimes by themselves getting collections removed from your credit report. It's just one trick in your arsenal, though. Link to comment Share on other sites More sharing options...
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