Please help! New "validation" from crappy ca

[CreditCrisis]

Alright, so I sent that letter i was advised to send telling this CA that the info they gave me was not what i requested and it was violating my rights. etc. i received back, a letter stating that they are offering a 25% discount on my account due to "economic problems".

Also, they sent back my letter with writing on it again, with commentary. after it says "you have not supplied sufficient evidence that the alleged debt is mine." they write"-not so-" (initiled)

Then after it says "..will entitle me to presume that you sent your letter in error and that this matter is permanently closed." they write "Good luck" (initialed)

Then, "you are currently in violation of the (FCRA and FDCA)" they write "Hire an attorney" (initialed)

Then, "all future communications with me MUST be done in writing and sent to the address noted in this letter by USPS." they write "you dont set our office policy"

Ending from them "you know you owe the debt. We will settle-in-full for 75% of the current total" (signed)

Now, my question is, do I just sit back and wait to see what the credit reporting agencies do? this is really getting on my nerves. this guy sucks at doing business!!!

[rayne428]

:eek: omg do they really do that? not very Professional at all, sry i dont have any advice but i know if i got one back like that , that would really piss me off

[jjgross]

Originally Posted by CreditCrisis

Alright, so I sent that letter i was advised to send telling this CA that the info they gave me was not what i requested and it was violating my rights. etc. i received back, a letter stating that they are offering a 25% discount on my account due to "economic problems".

Also, they sent back my letter with writing on it again, with commentary. after it says "you have not supplied sufficient evidence that the alleged debt is mine." they write"-not so-" (initiled)

Then after it says "..will entitle me to presume that you sent your letter in error and that this matter is permanently closed." they write "Good luck" (initialed)

Then, "you are currently in violation of the (FCRA and FDCA)" they write "Hire an attorney" (initialed)

Then, "all future communications with me MUST be done in writing and sent to the address noted in this letter by USPS." they write "you dont set our office policy"

Ending from them "you know you owe the debt. We will settle-in-full for 75% of the current total" (signed)

Now, my question is, do I just sit back and wait to see what the credit reporting agencies do? this is really getting on my nerves. this guy sucks at doing business!!!

Take his ass to federal court and sue for his numerous violations.He doesn't understand the law or doesn't care.

[Trish]

Originally Posted by jjgross

Take his ass to federal court and sue for his numerous violations.He doesn't understand the law or doesn't care.

I agree.
I think you should talk to an atty now. This is ridiculous.
Look on the NACA website and find an atty in your area that specializes in debt collection. Call them and explain the situation. If they see it's a slam dunk case (which IMO, it is), sometimes they wait to charge you after you've received a settlement.

[CreditCrisis]

Thanks Trish. i went to that website, but the nearest attorney to me that they have listed is in LA. im in san diego. any other suggestions? lol

[jjgross]

Originally Posted by CreditCrisis

Thanks Trish. i went to that website, but the nearest attorney to me that they have listed is in LA. im in san diego. any other suggestions? lol

Try looking under consumer law,theres some pretty good attorneys in sd use to live there for 40 years,go aztecs,chargers

[CreditCrisis]

Yeah i just did a Google search and found someone close. i sent him an email and they asked me to send them the number of the violation as it is on their website and there were 11 violations!! i hope we can get this guy

[Trish]

Good!!
These are the kind of jerks that need to be taught a lesson.
People like that DESERVE to be sued. :mad:

Pleaseeeeeeeee......keep us posted on this! (yes, I'm nosey :p )

[CreditCrisis]

Ok, so I am now be represented by an attorney of the Consumber Law Center. He said I have an easy case and he's going to try to seek damages up to $2,000 and get this debt removed!!

Thanks for the info guys and dolls!

[Trish]

Originally Posted by CreditCrisis

Ok, so I am now be represented by an attorney of the Consumber Law Center. He said I have an easy case and he's going to try to seek damages up to $2,000 and get this debt removed!!

Thanks for the info guys and dolls!

That's great news! :D