My question is overshadowing validation rights verbally ever been established?
Point in case. They mailed a validation letter dated 1/18/07 and they called me today (1/25/07). I was sitting on the validation letter until the last day to request validation. The collector(s) I spoke with told me that I have had over year to dispute the balance and now was not the time to dispute the balance they claim I owe. They also told me I have no basis to dispute the because I am not sure of what the balance should be and the reason it is so high is due to collection cost
and late fees. They also said I was out of time to request more information or dispute the balance.
Of course I have this preserved in an indisputable format.
So I guess my question is the only references to overshadowing I have ever seen have been on the collection letters itself. Is it technically possible to overshadow validation rights verbally? I have two calls with three different people doing this. They called me on the first call, I called back to speak with a supervisor and he did the same song and dance. Also no mini miranda on any calls. They also did not attempt to verify that I was indeed the correct Pandmel they were trying to reach.
I have sent my validation request/balance dispute.
Pandmel
