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DV response from CA

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courtney091082
Regular Contributor

DV response from CA

Received a DV response from a CA...
 
Their letter says
 
Per the Fair Debt Collections Practices Act, this itemized bill from your creditor serves as validation of your account.  Payment in full is needed to satisfy this account with our office.
 
I thought just an itemized bill does not fulfill the validation.
 
I thought they need a contract with my signature?
 
Please clarify Smiley Happy
 
Thanks
Courtney
9/1/2012 ...DRUMROLL .... EQ .. 776!!

I'm FINALLY a homeowner .. 10/24/12!!!!

My Cards ~~~GARDENING~~~ BNSF CU ($1000) BOA ($2500) Amazon / GE ($900) AMEX BCE ($2500) Chase Freedom ($3000) US Bank Cash + (7500)
Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: DV response from CA

Which CA was this may I ask?
Message 2 of 7
courtney091082
Regular Contributor

Re: DV response from CA

Equidata...for an old Cable bill (which the OC is no longer in my area)
9/1/2012 ...DRUMROLL .... EQ .. 776!!

I'm FINALLY a homeowner .. 10/24/12!!!!

My Cards ~~~GARDENING~~~ BNSF CU ($1000) BOA ($2500) Amazon / GE ($900) AMEX BCE ($2500) Chase Freedom ($3000) US Bank Cash + (7500)
Message 3 of 7
Anonymous
Not applicable

Re: DV response from CA

Just to clarify; the bill they provided was a copy of an original bill FROM the OC to YOU?
Message 4 of 7
Anonymous
Not applicable

Re: DV response from CA

Did the creditor supply the bill or is it off of Equidata's system?  The OC must supply even a computerized account statement (there are 2 opposing views on whether rules of evidence allow for a computerized statement - federal courts have been allowing it recently).
Message 5 of 7
Anonymous
Not applicable

Re: DV response from CA

If you had this service when did you stop paying OR what is the DOFD or DOLA and your SOL???
Message 6 of 7
courtney091082
Regular Contributor

Re: DV response from CA

This is from Equidata after I disputed with the CRA this is what they sent to me...
 
It is a 10 page printout
 
first page top says customer maintenance...has name ssn phone number address
 
the next 9 pages are a customer ledger with bill totals from 02/05 through 09/05 where there is a debit write off
 
It shows interuption of service on 08/05
 
But, shouldn't they have sent something with my signature to validate?
 
Courtney
9/1/2012 ...DRUMROLL .... EQ .. 776!!

I'm FINALLY a homeowner .. 10/24/12!!!!

My Cards ~~~GARDENING~~~ BNSF CU ($1000) BOA ($2500) Amazon / GE ($900) AMEX BCE ($2500) Chase Freedom ($3000) US Bank Cash + (7500)
Message 7 of 7
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