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zpcg05 · 06-03-2008, 02:59 PM

Okay i recieved a response from them here is what it says.
Dear XXXXX,
PAR is in receipt of your second validation request or dispute concerning the account referenced above. In our response to your initial communication, we provided validation of the account,as required by federal case law.Specifically , the courts have stated that verification of debt involves "nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed" See Azar v Hayter,874 F.Supp. 1314, 1317(N.D Fla.), aff'd 66 F.3d342 (11th Cir.1995) ,(blah blahblahblah and Chaundry as well, they quoted a bunch of case law) .
The following information is provided for your review:
Account Holders name: XXXX
Original Creditor: XXXXXX
Date Account Opened:xxxxx
Date of last payment:xxxxx
PRA date of purchase:xxxxx
Original creditors charge off date:xxxxx
If you are alleging fraud or identity theft, our company requires and Identity Theft Affidavit Sample letter attached(NOT ATTACHED) and a copy of a police report to be submitted as part of the investigation related to this account.
If you are alleging another type of dispute, please provide additional documentation to explain the nature of your dispute. Documents may include any of the following: pay off letters, settelment letters, and closure letters from the original creditor or subsuquesnt agencies: written statments/dispute letters cancelled checks or copies of other payments previously applied to this account.
Please send of fax these documents no later than 25 days following date of letter
if we do not hear from you by 25 days following date of letter we may consider this dispute resolved in favor of our company and resume collection efforts.
The balance stated above reflects the account balance as of the date of this letter.
This is a communication from a debt collector.

No how do i respond to this. Ive been reading on this site , is it a violaition for them to quote case law? Also they didnt answer my questions about how they are reporting ie.. factoring and reaging my acount.

06-03-2008, 02:59 PM	#5 (permalink)
zpcg05 Member Join Date: Apr 2008 Posts: 83 Casino Cash: $152800	Okay i recieved a response from them here is what it says. Dear XXXXX, PAR is in receipt of your second validation request or dispute concerning the account referenced above. In our response to your initial communication, we provided validation of the account,as required by federal case law.Specifically , the courts have stated that verification of debt involves "nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed" See Azar v Hayter,874 F.Supp. 1314, 1317(N.D Fla.), aff'd 66 F.3d342 (11th Cir.1995) ,(blah blahblahblah and Chaundry as well, they quoted a bunch of case law) . The following information is provided for your review: Account Holders name: XXXX Original Creditor: XXXXXX Date Account Opened:xxxxx Date of last payment:xxxxx PRA date of purchase:xxxxx Original creditors charge off date:xxxxx If you are alleging fraud or identity theft, our company requires and Identity Theft Affidavit Sample letter attached(NOT ATTACHED) and a copy of a police report to be submitted as part of the investigation related to this account. If you are alleging another type of dispute, please provide additional documentation to explain the nature of your dispute. Documents may include any of the following: pay off letters, settelment letters, and closure letters from the original creditor or subsuquesnt agencies: written statments/dispute letters cancelled checks or copies of other payments previously applied to this account. Please send of fax these documents no later than 25 days following date of letter if we do not hear from you by 25 days following date of letter we may consider this dispute resolved in favor of our company and resume collection efforts. The balance stated above reflects the account balance as of the date of this letter. This is a communication from a debt collector. No how do i respond to this. Ive been reading on this site , is it a violaition for them to quote case law? Also they didnt answer my questions about how they are reporting ie.. factoring and reaging my acount.