Nickel Posted May 17, 2019 Report Share Posted May 17, 2019 Hi Folks, I received a letter on 20 March 2019 from Sentry Credit asking me to pay them approx $7500 for a defaulted Walmart Mastercard Synchrony account from May 2016. I sent a certified, return receipt response 28 days later (April 18) asking for Validation in the form of: 1. The contract with my signature from the original debt holder bearing my signature. (I have an exceedingly common name!!!) 2. The application for the account with my signature. 3. Copies of all statements from the beginning of the account to the present day. 4. An itemized accounting of the amount and how they came up with it. (Principal, interest, interest rate, fees, etc.) 5. Name, address and contact info of the original creditor. 6. Who owns alleged debt now. 7. Proof you have the right to collect in my state. 8. Provide proof of sale from original debtor through to current debtor. 9.A crease and desist on any contact except in writing at the current address. I got back the card proving they received it. and their response was mailed 3 May 2019. (12 days had elapsed) Sentry sent me: Sentry Credit is working on behalf of Bureaus Investment Group who is purported to have bought the debt from Synchrony bank. 1. Letter explaining what was sent to me 2. A page with "State Specific Rights" nothing mentioning Illinois 3. Statements -2016 Jan -2016 Feb -2016 Mar -2016 Apr -2016 May -2016 Jun (Last Payment, May 1, 2016) -2016 Jul -2016 Aug -2016 Sep -2016 Oct -2016 Nov -2016 Dec (Account closed 11/09/2016) 4.Letter from Synchrony saying they sold account to Bureaus Investment Group This was for a Walmart Mastercard throught Synchrony. Their contract states they do arbitration through AAA. Ok, So what should I do next? Or more specifically, what would you do next if you were me? I'm looking for Ideas... I work for minimum wage and have no assets. -Nickel (Still working on saving up for Bankruptcy, 7 most likely) Quote Link to comment Share on other sites More sharing options...
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