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I sent a DV letter to LVNV Funding LLC regarding a Credit One Account they have. The law offices of Weltman Weinberg and Reis from Brooklyn Heights Ohio sent me a letter in return with the DV info I asked for. I just sent the Law office a PFD letter in FULL for the amount owed...
Does anyone know if this firm ( or any ) will accept a PFD......If they start calling me (( im usre they will )) and start saying they are going to sue me if I dont pay before a certain date WHAT DO I DO?. Do I continue to insist on a PFD....the amount is only 661.79.........BUT I WANT IT OFF MY REPORT
What was the debt for? What is the DOFD and your SOL?
Many CAs have an a lawyer that they use but they (lawyer) still must go by laws. If they start to call you (they shouldn't tho) just mail them,the lawyer, another DV letter. It states no phone calls.
This is from equifax:: it was a credit card
LVNV FUNDING LLC
PO Box 10584
Greenville, SC-296030584
(866) 464-1183
Is the OC reporting? If so what is the date that it will drop? (DOFD)
If the OC is not reporting then can you guess when you stopped making payments?
The date that the CA bought it was in 2008, so the DOFD must be before that.
The SOL in Ga. is 4 years. Did you get the CC in this state?
The company that is reporting is LVNV.... but I got a DV response letter from this Firm....(( i originally sent it to LVNV.)))....
Opened the account 1-2008
DOFD 2-2008...
Yes i got the card in GA
Never heard of them before today when they left a voicemail on cell looking for DH and I know he doesn't owe anyone anything. Thinking they might be looking for me. I am reluctant to make contact with them. Do they tend to represent anyone particular clients?
If they're after me, can they go through DH to get to me? I hate putting up with junk debt buyers, which it appears they are. Am I correct?
It is totally up to them what they do. But it is more than totally within their rights if they dont. The official credit reproting manual used by all of the CRAs instructs those reporting on payments of collection accounts that they should NOT delete an account in exchange for payment, even in full, of the balance owed.
PFD is something specifically rejected under CRA reporting standards, and to fault a CA for complying with those published standards, and not accepting a PFD request, is not somethng that I recoimmend that a consumer pursue.
When did YOU apply for this and receive the credit? If the OC is not reporting there is a good chance that it is past CRTP. If it is past CRTP then it must be past SOL.
The date that the CA is reporting as *open* is the date that they (the CA) received it. It has nothing to due with when you receiced the CC.
DOFD goes by the first missed payment on the card!!!