08-06-2007 02:41 PM - edited 08-06-2007 10:43 PM
08-06-2007 02:43 PM
How do I stop them from calling me until they validate?? Send another letter?? I sure don't want to talk to them!
HappyDays wrote:Im taking it that you sent it CMRRR and they signed for it 7/14.Remember you must send DV or dispute with them within 30 days of being NOTIFIED of the debt, like receiving bill or letter that you READ and did not trash, or didn't know until you pulled you CR.They must stop all collection activaties until they validate!! that means also NO reporting to CRA calling or writting to you.
08-06-2007 07:23 PM - edited 08-06-2007 07:30 PM
OH and if they send you anything that is like a bill that is also violation.Save all mail if you get any.
ALL collections must stop until they validate.
Message Edited by HappyDays on 08-06-2007 07:26 PM
08-06-2007 10:27 PM
ariesdreamer wrote:What if you DV an acct that hasn't hit your CR yet?...How do I stop them from calling me until they validate?? Send another letter?? I sure don't want to talk to them!
08-06-2007 11:03 PM
Noah_Bodie wrote:ariesdreamer wrote:What if you DV an acct that hasn't hit your CR yet?...How do I stop them from calling me until they validate?? Send another letter?? I sure don't want to talk to them!Perfectly OK to DV before it hits your CRs. FDCPA lets you DV upon first contact.If they signed for the DV letter, per the RRR green card, and they subsequently report BEFORE validating, then they likely are in violation.There's a variety of things you can do about abusive calls, and some of these apply with CAs calling without validating.Message #1 is the more assertive approach. Message #9 contains some more passive action you can take with unwanted calls.
08-09-2007 01:58 PM
08-09-2007 02:02 PM
hockeycq wrote:Hello,I'm extremly new to this and was hoping someone could help me out. I have two dings on my credit report that I would like to send a DV to and need some advice on whether or not I should bother.The first is from NCO Financial (remarked as "placed for collection) for an orthodontist bill that has to be over ten yrs old but it's listed on the credit report as being opened on 1/31/02, and to be removed on 7/08. I'd like to have it removed ASAP but should I even bother with a DV if it's to be removed 7/08? I'm also concerned it was re-aged since this work was done over ten yrs ago.The second is an old student loan, again well over 6 or 7 yrs old.I have a report from TU from 06 that it's not even listed onAn EX report from this week that it is on and saysACS/BRAZO/BANKONE TRUSTEE, Status = closed collection account. Date opened 3/99 and going into 120 days late on 6/02. I don't believe i made a payment on this since 00.The third report is a combined report from truecredit and on here it's listed twice.Once as AFSA/BRAZO reported toEQ as condition = open (paid).And then it's listed again as BRAZOS reported byEX condition = Closed(paid), Pay Status = Collection/Chargeoff ANDEQ, Condition = Derogatory, Pay Status = Late 120 days.All have the same account number and balanceShould I even bother with a DV? because I can't remember the last time I was contacted about either of them or if I was ever contacted.
08-09-2007 04:46 PM
ariesdreamer wrote:they keep calling my cell phone...I thought they wanted to talk about the DV, I go about my business until a few days later when I received a call on my cell phone. It was the CA asking me to pay. I told them I sent a DV which the lady did not understand and then got into an arguement with her and hung up on her....I think I'm going to have my cell phone number changed.
08-10-2007 07:25 AM
They received it on 7/12. I'll have my boyfriend check my phone (I'm not cell-phone saavy). I'll try forwarding the calls, if I can, since I don't want to change my number! I guess I'll go from there if this doesn't work out. Thank you Noah!
Noah_Bodie wrote:When did the CA receive your DV letter, per the RRR green card?Check your cell phone manual and see whether you can automatically forward calls from certain numbers. Forward it to your home phone and let your answering machine pick up. If you can do that, take a look at the link below and consider Caller ID Manager. With that, you can send incoming calls from certain numbers into "no answer" Abyss. For them, the phone will ring and ring, but you'll never hear it.If you timely DVed, and they didn't validate, and they continue to call, then they are in violation. You might consider recording the calls and talking to a lawyer.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO