I have a 5-year-old CO with Reliable Adj Bureau. The original creditor with Bell South and the total amount is $ 277. I have to have two validation letters and both times I received a package directly from Bell South (OCA support department) with copies of three invoices. If this validation? I'm on the board so that it can not read, but it makes a difference that it comes from the OC? I know the experts on the board will know what to do.
Thanks
guy
Stop Creditor Harassment! Stop the Dirty Bas***ds in their Tracks!
Reply:I decided to send one more letter before the ITS. I will send ITS letter 15 days after they receive this letter
thanks
Self Help Debt Settlement
Reply:I dealt with them a couple years ago.
You will have to do an ITS to get them off.
They claimed we owed sprint $62 or something like that. I'll have to do a search to find out.
Anyhow, when the collection popped up on DH CR, we were Sprint customers, so how were we in collections for anything???
It was wierd but the whole thing smelled fishy and it was.
We had papers from Sprint and had copies of ALL statements from 1999-present.
We owed $0. As a matter of fact, we had a $13 credit balance!
We danced round and round with these a$$es!
I did an ITS and they faxed over UDF deletion forms.
Never heard from them again. They admitted it was "a mistake".
Bankruptcy Strategies
Reply:Thanks, I'll come up with a letter that asks for proof that they can collect on this account.
Basic Credit Repair and Budget Management
Reply:If the CA didn't send you proof that they can legally collect on this account then no, it's not validation.
Fast Debt Elimination System
Reply:Is this validation? I received copies of the bills directly from Bellsouth.
I could always try for a PFD…
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Reply:it was the standard validation letters… Here's a copy of the first one:
To Whom It May Concern:
I am writing with regards to the above account that I am shown as holding with your company. Please note that this is NOT a refusal to pay said account, but a request for validation on said account. I do not recognize your company and do not believe that I owe your company for this debt.
In an attempt to resolve and correct all issues in association with said account, I must formally ask you to provide the following information:
?Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter.
?Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Within 15 days of your receipt of this document, I request you forward to me, copies of all signed contracts evidencing my obligation in regards to the origination account of alleged debt.
Please be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you in regards to the alleged debt (the above account number).
This is a request for information only, and is not a statement, election, or waiver of status.
Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me.
Further more specifically, failure to respond, on point, in writing, hand signed, and in a timely manner, will entitle me to presume that all allegations associated with said account and myself, have been made in error, and that this matter is permanently closed.
Here's the second one that I sent to them:
To Whom It May Concern:
I have received your attempt of validation of the above mentioned account and have several issues to address with your ?claim? that I owe this ALLEGED debt to your organization.
First, you have not, by any means, managed to prove to me that I owe this alleged debt to YOUR organization. You have not provided me with a complete statement of accounting as required by law to be considered full and complete validation.
Second, you have also not sufficiently proven to me that I owe this alleged debt to Bellsouth by providing me with a complete statement of accounting as required by law to be considered full and complete validation. You have merely supplied me with copies of alleged bills on the account in question. This does not sufficiently prove that there is any legal, contractual obligation between myself, your agency or the creditor.
If you cannot provide me with a copy of MY signature on a contract with Bellsouth, I submit to you that this debt is unverified and reporting it to ANY Credit Reporting Repository is a direct violation of the FDCPA. Continuing collection attempts on this account can and WILL be considered harassment under the FDCPA.
I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.
I, again, request that your company PROVE to me, beyond a shadow of a doubt, that I incurred this alleged debt by providing to me a copy of my signature on some type of contract. I also request that your company IMMEDIATELY abide by the rules and regulations of the FDCPA and CEASE all collection attempts on this account, including, but not limited to, removing ANY listing on my credit file that may be damaging to my credit status and verifying this information with the credit bureaus.
I have enclosed another copy of my validation request, as amended and set forth that you now have 15 days to respond before further action is taken on my part. Please note the changes made within the validation request itself and answer ALL questions accordingly, along with providing the information that I have requested.
Both times I received that packet from Bellsouth with copies of old phone bills. I disputed as 'not mine' with the CRA's after the first validation letter and it came back as verified. (of course)
What steps should I take now?
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Reply:What did you ask for in your DV letter?
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