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DV'd through email

Established Contributor

Re: DV'd through email

So, I emailed them again and gave an offer... someone from the office replied and said they can't take the offer... "if i pay the full amount by 10/31, they will delete"...lol...he gave me one day!!!! haaaa... the worst deal ever!!


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Established Contributor

Re: DV'd through email


MikeC80 wrote:

What's the name of the collection company?


it was fidelity credit services


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Contributor

Re: DV'd through email


kobe2012 wrote:

So, I emailed them again and gave an offer... someone from the office replied and said they can't take the offer... "if i pay the full amount by 10/31, they will delete"...lol...he gave me one day!!!! haaaa... the worst deal ever!!


LOL, that's horrible!  How bad is it hurting you?  If its not causing you too much trouble, I'd let it drop before I paid them in full.

 

My ex had a collections from 2002 for $1000, they offered to settle for 10%, lol.  Way past SOL and probably not even on his report any longer, they just want something, anything, to keep their lights on! 

 

I'm surprised your CA is not being more flexible.  Maybe they think they will try for the highest first before they fold.  Try an actual letter instead of an email, it might go to someone different who will accept.

Established Contributor

Re: DV'd through email


diabla wrote:

kobe2012 wrote:

So, I emailed them again and gave an offer... someone from the office replied and said they can't take the offer... "if i pay the full amount by 10/31, they will delete"...lol...he gave me one day!!!! haaaa... the worst deal ever!!


LOL, that's horrible!  How bad is it hurting you?  If its not causing you too much trouble, I'd let it drop before I paid them in full.

 

My ex had a collections from 2002 for $1000, they offered to settle for 10%, lol.  Way past SOL and probably not even on his report any longer, they just want something, anything, to keep their lights on! 

 

I'm surprised your CA is not being more flexible.  Maybe they think they will try for the highest first before they fold.  Try an actual letter instead of an email, it might go to someone different who will accept.


Its a 6+ old account..is about to drop on 7/2013 or 8/2013 ... Its not really hurting me as i got the cards i wanted and will be gardening for a while.. i was hoping they will take it since its gonna be deleted soon... Lol, but of course, they will try to do their best to make money...oh well, ill probably just wait 8 months 


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
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Community Leader
Epic Contributor

Re: DV'd through email

You can certainly, based on its impending CR exclusion, choose not to pay the debt.

 

However, there are still compelling reasons to do so, outside of simple credit report issues.

 

While future creditors wont be able to uncover the fact of old, unpaid delinquent debt by a simple pull of your CR, that does not make the debt go away, or serve as basis, if asked, to state that you have no unpaid, delinquent debt.

It is always preferable to be able to honestly answer....No.

 

As for the original question of the post, the statute requires a DV to be "in writing."  I would avoid any issue of whether an email is "in writing" by sending snail mail.

Established Member

Re: DV'd through email

Thanks, Shogun. I have some PFDs to write as well for accounts past SOL, but was still unsure what to say and how much to offer. Smiley Happy

Moderator Emeritus

Re: DV'd through email

They offered to delete,  now had they agreed to the amount you offered, they would have gotten some money.   I do agree with RobertEG though in getting rid of the debt if possible.  The bottom feeders that come out later during Zombie debt are a less conforming to rules and regulations.  I'd write back and just ask how much exactly would it take to end this now.  Just a suggestion.  Good Luck.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Established Contributor

Re: DV'd through email

So, I emailed them again last week and still hasn't gotten the usual quick response from them (by mail or email)... I asked who was the "true" lender of the account and when was the date of first delinquency occurred... I told them the validation wasn't so clear to me as the OC on the statement they sent was from the school but the loans on the statement were from department of education and a private lender (TFC -- this was the lender what went charged off and went to collection --  just recently got deleted off of my reports)... i do believe that when TFC went to collection, it was sold to this company "fidelity" and instead of TFC as the OC, they reported the name of the school as the OC instead...... so now, the delete date was moved to 06/2013 instead of 12/2012...... this last collection should've off of my reports this month or next month but now, I have to wait anoter 6 months or so to get deleted...... how can I verify all these infos???


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K