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Advanced Credit Repair - Dealing with Collection Agencies Collection Agencies Dunning you? Are they complying with the FDCPA and or the FCRA? IF they are not, they could be liable for up to $1000.00 to you! This is the forum to educate and protect the rights afforded to you under the FDCPA and the FCRA. Legal aspects of credit restoration will be found in this forum. MEMBERS CAN POST ANONYMOUS QUESTIONS...

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Old 03-17-2008, 10:38 PM   #1 (permalink)
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Wierd???

I don't even know where to start with this thread. in the past month, I received "validation" from a CA. The "validation" are copies of statments printed 2-12 months AFTER the account was written off.

My first question is why are they sending me statments after the account was closed? And is the OC supposed to keep the account open like that? Wierd?

Then I noticed that the date of the "validation" is X day. And the envelope is dated X + 2 days. Then X + 6 days a NEW CA (completely different from "validating" CA) sends a dunning letter introducing themsleves as the collector of the claim. The envelope is dated X + 10 days.

Is there a span of days that two different CAs are able to collect from each other?

As always, many thanks in advance!

And yes, I am typing my new validation letter as we speak.
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Old 03-18-2008, 04:17 AM   #2 (permalink)
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Validation doesn't carry a very high threshold. Generally, if it comes from the OC it is good enough.
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Old 03-23-2008, 10:06 AM   #3 (permalink)
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Quote:
Originally Posted by acebo View Post
I don't even know where to start with this thread. in the past month, I received "validation" from a CA. The "validation" are copies of statments printed 2-12 months AFTER the account was written off.

My first question is why are they sending me statments after the account was closed? And is the OC supposed to keep the account open like that? Wierd?

Then I noticed that the date of the "validation" is X day. And the envelope is dated X + 2 days. Then X + 6 days a NEW CA (completely different from "validating" CA) sends a dunning letter introducing themsleves as the collector of the claim. The envelope is dated X + 10 days.

Is there a span of days that two different CAs are able to collect from each other?

As always, many thanks in advance!

And yes, I am typing my new validation letter as we speak.

Good question, I always assumed that if you deal with a collection agency and they fail to properly validate then there forward yo reference that collection agency to the next and tell them about the previous violations of the previous CA.

I have sued a couple CA's over validation issues, they have so far settled before court.
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Old 03-23-2008, 10:18 AM   #4 (permalink)
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FDCPA says that they are to obtain from the creditor and forward it to you; not have the creditor send it to you.

I too have sued for this and they settled as well.
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