Jump to content

DV Response Question


Sprinty
 Share

Recommended Posts

Doing some credit repair work on DWs report to remove a couple of collections that have been hanging around. I sent out dv letters and got a response from one and I'm a little unsure what step to take next. It was originally a gym membership that was an absolute PITA to cancel. It was one of those "we'll just keep billing you anyway" kind of things. So a collection popped up and after the dv they sent back a letter stating that I (dw) owed $85 with a copy of the original contract, listing that 11 payments would be due and the amounts, etc. There was a renewal date listed on the form as well, but it did not show that any payments would be required past the 11. With the copy of the contract, they attached a list of payments (totalling 27 months worth). There was nothing showing any balance due, missed payments etc. In fact, the payments were recurring charges to a cc. There is/was no delinquency here. 

 

Obviously, I won't go argue their reasons for being such manipulative people as most CAs play the numbers game, hoping that someone will send them a payment or two, but I just want to make sure that I'm not missing anything here. Should I just send them a 2nd dv letter stating that they didn't prove anything or should I state my argument in that letter? There's no collection activity outside of the reporting, but I want the collections removed so that dw can have a clean slate(finally)

 

Thanks in advance for the advice

Link to comment
Share on other sites

I would very much like to hear more from you on this subject. You must know by now your article goes to the nitty-gritty of the subject.
Your work is very good and I appreciate you and hopping for some more informative posts. Thank you for sharing great information to us.

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.