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I sent MCM a validation letter for an old account I have with HSBC, and they sent me some crappy letter back saying that I had to provide them with information so they can investigate my dispute. First of all, I didnt send them a dispute letter, I sent them a validation letter. The letter I received is probably the same letter they send everyone who tries to get their account validated. Please anyone, if you had this same experience with them, could you let me know what my next step should be? I refuse to just let this go..They shouldnt be allowed to do this to people. Isnt it their job, by law, to validate this? Not send me some crap saying that I pretty much have to...
@Anonymous wrote:I sent MCM a validation letter for an old account I have with HSBC, and they sent me some crappy letter back saying that I had to provide them with information so they can investigate my dispute. First of all, I didnt send them a dispute letter, I sent them a validation letter. The letter I received is probably the same letter they send everyone who tries to get their account validated. Please anyone, if you had this same experience with them, could you let me know what my next step should be? I refuse to just let this go..They shouldnt be allowed to do this to people. Isnt it their job, by law, to validate this? Not send me some crap saying that I pretty much have to...
Was the DV mailed within 30 days of their dunning?
I'd resend the DV. I would omit the name of the OC or any balance. I would include your name, address (by which to respond) and I'd throw in their account number so as long as it differed from your OC's account number. If they have that info, there's no excuse not to be able to look you up. They are stalling, IMO. I'd rewrite the DV and customize it. Don't use the ones in here; they are a joke. Just ask for validation per the FDCPA (809). If your state's laws allow you to request more info, then ask for that.
Now by law, your DV means nothing unless you sent it within 30 days of their dunning letter to you. They don't have to respond or delete if sent after. If that's the case, the proceed on the assumption they will respond to your DV. Again, customize it with the mentioned info. If they responded with a comment like "this is a communication from a debt collection" as is required by the FDCPA, then turn that against them and make a mention that under a validation period (which is unlimited per the FDCPA), they cannot engage in collection activity and sending a debt collection notice violated the FDCPA. Tell them to verify or stop collecting (and delete if reporting). Again, legally, its a moot point if the DV was mailed after the 30 days, but worth a shot anyway.
Give them a month or two to respond. If they do with anything other than the OC info and balance, then open dialog with a complaint to the BBB, FTC, your state, etc. If they verify and you agree, then send a PFD.