nobie19 Posted October 28, 2019 Report Share Posted October 28, 2019 Hi I sent Midland credit management a DV request. they replied me with this a few weeks later. just application. no amount owed, nothing. is it good enough for DV? should I request again for more info? because I really not sure when was my last payment on this debt. it is not on my CR. In CA, the SOL is 4 year correct? so if my last payment was more than 4 years. that mean they cant sue me? thank you for your time. Quote Link to comment Share on other sites More sharing options...
BV80 Posted October 28, 2019 Report Share Posted October 28, 2019 @nobie19 Did you send your DV request within 30 days of receiving the first collection letter that contained the 30-day validation notice? Quote Link to comment Share on other sites More sharing options...
nobie19 Posted October 28, 2019 Author Report Share Posted October 28, 2019 3 minutes ago, BV80 said: @nobie19 Did you send your DV request within 30 days of receiving the first collection letter that contained the 30-day validation notice? yes. I sent within 30 days. Quote Link to comment Share on other sites More sharing options...
Harry Seaward Posted October 28, 2019 Report Share Posted October 28, 2019 The function of sending a DV is to set a violation trap for the debt collector. To that end, what they sent would probably pass the smell test. What did your DV letter ask for? If all you did was "dispute" the debt, what they sent establishes that you did in fact open a Chase account. If you disputed something specific, like an amount owed or date of last payment, you can ask them to try again, but they aren't obligated to do anything more than "obtain verification", and send it to you. Which, legally they did. Quote Link to comment Share on other sites More sharing options...
BV80 Posted October 28, 2019 Report Share Posted October 28, 2019 14 minutes ago, Harry Seaward said: The function of sending a DV is to set a violation trap for the debt collector. To that end, what they sent would probably pass the smell test. I have to respectfully disagree. If the OP sent a timely DV requesting validation, what was sent to him in response does not show the amount claimed by the creditor. At the minimum, "verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed." Clark v. Capital Credit & Collection Servs., Inc., 460 F.3d 1162, 1173-74 (9th Cir. 2006). Quote Link to comment Share on other sites More sharing options...
BV80 Posted October 28, 2019 Report Share Posted October 28, 2019 19 minutes ago, nobie19 said: yes. I sent within 30 days. And you requested validation? Quote Link to comment Share on other sites More sharing options...
Harry Seaward Posted October 28, 2019 Report Share Posted October 28, 2019 1 hour ago, nobie19 said: just application. no amount owed, nothing. Was there a letter from the CA sent along with the application? What did the letter say? Quote Link to comment Share on other sites More sharing options...
nobie19 Posted October 29, 2019 Author Report Share Posted October 29, 2019 1 hour ago, BV80 said: And you requested validation? yes. I copied a general validation letter and mail to them. Quote Link to comment Share on other sites More sharing options...
nobie19 Posted October 29, 2019 Author Report Share Posted October 29, 2019 1 hour ago, Harry Seaward said: Was there a letter from the CA sent along with the application? What did the letter say? no letter. just this paper. Quote Link to comment Share on other sites More sharing options...
Harry Seaward Posted October 29, 2019 Report Share Posted October 29, 2019 That paper was the only thing in the envelope?? Quote Link to comment Share on other sites More sharing options...
nobie19 Posted October 29, 2019 Author Report Share Posted October 29, 2019 16 hours ago, Harry Seaward said: That paper was the only thing in the envelope?? yes. just this paper in fedex envelope. I wasn't even sure it was from midland. but midland is the only one been sending me letter with this name. so I assume it was them....I think I might send them another letter to ask for more info? Quote Link to comment Share on other sites More sharing options...
Harry Seaward Posted October 29, 2019 Report Share Posted October 29, 2019 1 hour ago, nobie19 said: I wasn't even sure it was from midland. What does the fedex label show as the sender? Quote Link to comment Share on other sites More sharing options...
nobie19 Posted October 29, 2019 Author Report Share Posted October 29, 2019 14 minutes ago, Harry Seaward said: What does the fedex label show as the sender? card member services or something. definitely not from midland. Quote Link to comment Share on other sites More sharing options...
Harry Seaward Posted October 29, 2019 Report Share Posted October 29, 2019 Did you ever contact Chase directly about this debt or dispute it on your credit reports? Quote Link to comment Share on other sites More sharing options...
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