HELP-DEBT VALIDATION considered "frivolous" by Applied Card Bank?
I just this minute asked for a debt validation on a charged bad vindication and own previously disputed it next to CRA's and still state it's valid. What I looked-for to pin point be the date of delinquency and amount said salaried on ending pay-out. Wrote a debt validation communiqu¨¦ sent certified. Got a response from the company stating that the information I want is "frivolous" according to Federal regulations because I hold poor to prove sufficient information. Letter claims I appear to be working next to a Credit Repair Agency, which I hold not be and claim the money I am giving them could move about to settling the debt. HAHAHA. Just trying to confirm the supposed amount owed and who owns it, since Ive be getting collection notice from some other company. ANYONE WITH SOLID ADVICE?
Answers:
I agree, it's a stall.
Without knowing if you sent the DV inside the first 30 days from their first contact, if you saw the justification individual timetabled on your credit reports, etc., you might read over the following epistle and if it suits you, put together it your own to convey wager on to them.
Use italic font, for emphisis, on everything I've stained beside quotation grades.
Put your own info in next to anything I've flecked near <>
Your name
Your address
Their name
Their address
Date
Greetings,
Regarding the message you mail on <date on envelope> contained by response to my validation request, which be received and signed by <your bureau or nickname on green card> on <date signed>, concerning the details <cross of creditor and the statement number the CRA or CA have listed>
The Fair Debt Collection Practices Act clearly states that I own the right to request validation (as differentiated from "verification") as per 15 USC 1601 sec. 809.
Your erroneous belief that I enjoy retained the uses of a CRO or that my validation request as self frivolous is within itself irrelevant. The humour of my request have no deportment whatsoever upon the imperative's requirement that you provide the information requested, and refusal to comply would constitute a despoliation of 15 USC 1601 sec. 809, as ably as auxiliary State and Federal law, if/as applicable.
In short, your feelings of my request does not absolve you of the official requirement to comply.
Regarding your request for information, 15 USC 1609 specifically states that "you" must provide "me" next to validation of your claim, not that "I" should enjoy to provide "you" near validation.
I own already provided information as <programmed on my credit report, or, contained by the first note I received from you> on the subject of your claim, which should meet your requirements for you to find your internal information about the portrayal within examine. If you cannot find chronicles for the details base on the information I provided, that constitutes "prima facie" evidence of a famine of validation on your factor as per 15 USC 1609 sec. 809. That surrounded by turn would penny-pinching your claim is at best incorrect and at worst fraudulent, and any subsequent collection pains on your factor would be patently improper. If this proves to be the bag, I reserve the right to desire endorsed remedies as per applicable Federal and State tenet.
I look forward to your response to my validation request.
If you cannot provide documentation for the alleged debt, I look forward to your response that you are terminate the information and cease any and adjectives collection pains, including but not restricted to, the removal of any and adjectives tradelines, or other details, that you may enjoy placed on my credit reports.
I am requesting that validation be provided by you inside 15 days of your taking of this note.
I am requesting that no touchtone phone call be made to my home or place of business as it is inconvenient to me. That adjectives adjectives correspondence from you be made contained by writing and sent by USPS to the address noted above.
Sincerely,
<your typed describe or printed initials>
edit++++
oops, hit the submit button past I be done (d'oh)
If you did not distribute your first DV in the first 30 days, that mode that they do not own to stop collection deeds until they substantiate next to you - if you did convey it inwardly the first 30 days they do own to stop collections until they support.
If you sent it outside of the first 30 days, they do not "have" to prove, but they MUST indicate the accounts they are reporting on your credit reports as mortal within dispute.
When you draw from the green card final from your second dispatch, distribute your disputes to the CRA's.
To quote bit of your post:
[quote]Letter claims I appear to be working near a Credit Repair Agency, which I own not be and claim the money I am giving them could travel to settling the debt[/quote]
That statement "could possibly" be considered a betrayal - attempting to collect "in" a validation request response.
If you own plenty of documented violation on them and agree on to sue - include that near the other violation.
Resend the communication...they do this as a 'stall tactic.
I only put money on my H & R Block sea green card but I can't access the money!It say the card is invalid .
My purse (along next to debit card, checkbook, and dl,) be stolen. what personal info can some1 take from them?
When will it drop sour?
Is near a well brought-up loan program next to a low monthly giving and clad APR?
I get this untried cellphone later week and the guy who have the number past me have some oustanding debts.?
Answers:
I agree, it's a stall.
Without knowing if you sent the DV inside the first 30 days from their first contact, if you saw the justification individual timetabled on your credit reports, etc., you might read over the following epistle and if it suits you, put together it your own to convey wager on to them.
Use italic font, for emphisis, on everything I've stained beside quotation grades.
Put your own info in next to anything I've flecked near <>
Your name
Your address
Their name
Their address
Date
Greetings,
Regarding the message you mail on <date on envelope> contained by response to my validation request, which be received and signed by <your bureau or nickname on green card> on <date signed>, concerning the details <cross of creditor and the statement number the CRA or CA have listed>
The Fair Debt Collection Practices Act clearly states that I own the right to request validation (as differentiated from "verification") as per 15 USC 1601 sec. 809.
Your erroneous belief that I enjoy retained the uses of a CRO or that my validation request as self frivolous is within itself irrelevant. The humour of my request have no deportment whatsoever upon the imperative's requirement that you provide the information requested, and refusal to comply would constitute a despoliation of 15 USC 1601 sec. 809, as ably as auxiliary State and Federal law, if/as applicable.
In short, your feelings of my request does not absolve you of the official requirement to comply.
Regarding your request for information, 15 USC 1609 specifically states that "you" must provide "me" next to validation of your claim, not that "I" should enjoy to provide "you" near validation.
I own already provided information as <programmed on my credit report, or, contained by the first note I received from you> on the subject of your claim, which should meet your requirements for you to find your internal information about the portrayal within examine. If you cannot find chronicles for the details base on the information I provided, that constitutes "prima facie" evidence of a famine of validation on your factor as per 15 USC 1609 sec. 809. That surrounded by turn would penny-pinching your claim is at best incorrect and at worst fraudulent, and any subsequent collection pains on your factor would be patently improper. If this proves to be the bag, I reserve the right to desire endorsed remedies as per applicable Federal and State tenet.
I look forward to your response to my validation request.
If you cannot provide documentation for the alleged debt, I look forward to your response that you are terminate the information and cease any and adjectives collection pains, including but not restricted to, the removal of any and adjectives tradelines, or other details, that you may enjoy placed on my credit reports.
I am requesting that validation be provided by you inside 15 days of your taking of this note.
I am requesting that no touchtone phone call be made to my home or place of business as it is inconvenient to me. That adjectives adjectives correspondence from you be made contained by writing and sent by USPS to the address noted above.
Sincerely,
<your typed describe or printed initials>
edit++++
oops, hit the submit button past I be done (d'oh)
If you did not distribute your first DV in the first 30 days, that mode that they do not own to stop collection deeds until they substantiate next to you - if you did convey it inwardly the first 30 days they do own to stop collections until they support.
If you sent it outside of the first 30 days, they do not "have" to prove, but they MUST indicate the accounts they are reporting on your credit reports as mortal within dispute.
When you draw from the green card final from your second dispatch, distribute your disputes to the CRA's.
To quote bit of your post:
[quote]Letter claims I appear to be working near a Credit Repair Agency, which I own not be and claim the money I am giving them could travel to settling the debt[/quote]
That statement "could possibly" be considered a betrayal - attempting to collect "in" a validation request response.
If you own plenty of documented violation on them and agree on to sue - include that near the other violation.
Resend the communication...they do this as a 'stall tactic.