Sign in to follow this  
nobie19

does this qualify for DV?

Recommended Posts

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.

a.jpg

Share this post


Link to post
Share on other sites

@nobie19

Did you send your DV request within 30 days of receiving the first collection letter that contained the 30-day validation notice?

Share this post


Link to post
Share on other sites
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.

Share this post


Link to post
Share on other sites

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. 

Share this post


Link to post
Share on other sites
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).

Share this post


Link to post
Share on other sites
19 minutes ago, nobie19 said:

yes. I sent within 30 days.

And you requested validation?

Share this post


Link to post
Share on other sites
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? 

Share this post


Link to post
Share on other sites
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.

Share this post


Link to post
Share on other sites
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?

Share this post


Link to post
Share on other sites
14 minutes ago, Harry Seaward said:

What does the fedex label show as the sender? 

card member services or something. definitely not from midland.

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this