Followup letter to collection agencies - should I? if its not reporting on my CR

[bored7one4]

Got a letter from NCB for a HSBC card.  I DV them within the first 30 days.  Haven't heard back so was wondering if I should send followup letter.  I dont think its reporting on my credit report.

 

What should I do ?

 

Thanks

 

[willingtocope]

Wait.  You have 30 days to request validation...they  can take there own sweet time responding.

[bored7one4]

Wait.  You have 30 days to request validation...they  can take there own sweet time responding.

I DV them on July 5th. Confirm thats when they got it.

 

 

its been over 30 days

[BV80]

@bored7one4

 

The 30-day time limit is for consumers to make the request after receiving the first dunning letter.  It is not a time limit for the CA.  The CA does not have to respond withinin 30 days of receiving your request.  They can take as long as they want but cannot continue collection efforts until they do respond. 

[bored7one4]

@bored7one4

 

The 30-day time limit is for consumers to make the request after receiving the first dunning letter.  It is not a time limit for the CA.  The CA does not have to respond withinin 30 days of receiving your request.  They can take as long as they want but cannot continue collection efforts until they do respond. 

I understand.  Thanks

[bored7one4]

Should I send followup letter to them or just wait it out?

[willingtocope]

Wait.  There's a good chance that when they received your DV, they decided they didn't want to deal with an informed consumer and sent it back to the OC.

[Torden]

As long has you have the card back from sending it CMRRR so you can prove you did in the right time frame, then you are done.  There is no requirement for them to answer, and if they decide to just stop collecting, it's a waste (from their point of view) of money for them to tell you about it.  The only thing else to do is keep tabs on your CR.

[BV80]

I agree with Willing and Torden.   The ball is now in the CA's court.

[1stStep]

The ball is in their court - they can take as long as they want to reply, or they have the option of not replying at all (and most likely, sending it to another CA or back to the OC).

 

I will usually send a letter after 30 days letting them know that they failed to respond and that I am now refusing to pay, per the FDCPA. If they reply with anything other than a "we're closing our file," I invite them to visit me and the judge at the local federal court to discuss their lack of reading comprehension ability...

[admin]

Wait.  There's a good chance that when they received your DV, they decided they didn't want to deal with an informed consumer and sent it back to the OC.

Agreed.