Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 10
Registered: ‎07-04-2012
0

Midland cease and desist :/

So midland and I have had a back in forth for a wile. I offer to pay the debt but they say they will not do a PFD, so I got tired of it and sent them a cease and desist letter. Well the calls and letters stopped for like 5 months but now they have started back up. Is there anything I can do thanks

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Midland cease and desist :/

how much for the debt ?? how long ago ??


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Epic Contributor
Posts: 23,381
Registered: ‎03-19-2007
0

Re: Midland cease and desist :/

I presume you sent them written notice that they were to cease communications with you?

 

If so, any communication they initiate after receipt of the cease communication letter is a violation of FDCPA 805(c).

Send a formal complaint to the FTC, and a cc: to the debt collector.

The FTC will contact them regarding your alleged violation.

Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: Midland cease and desist :/

Established Member
Posts: 10
Registered: ‎07-04-2012
0

Re: Midland cease and desist :/

The debt is around 2,500 it has been right at 6 years and I sent them a letter certified mail. Thanks

 

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Midland cease and desist :/

Established Member
Posts: 10
Registered: ‎07-04-2012
0

Re: Midland cease and desist :/

thanks sent a complaint to the FTC, what will happen now? also what is CC the Collection Agency? Thanks

New Contributor
Posts: 74
Registered: ‎08-05-2011
0

Re: Midland cease and desist :/

The FTC will do nothing for you personally. You want to contact a lawyer and sue them. The lawyer will take you case on contingincey and you will make a few bucks for your troubles. They will probably delete the TL as part of a settlement as well.
Chapter 7 filed 05/15
Discharged 08/15 EQ 540 TU 476 EX 514

Highlighted
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Midland cease and desist :/


rclark wrote:

thanks sent a complaint to the FTC, what will happen now? also what is CC the Collection Agency? Thanks


cc- means carbon copy.  At the bottom of the written complaint to the FTC you put   cc    Name of CA.  Then you send the CA a copy of the complaint.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.