Valued Member
shoppingsenior
Posts: 30
Registered: ‎06-06-2007
Debt Validation Letter Success for Banfield Pet Hospital
[ Edited ]

DV letters work!! This is my first, but will not be my last.  I emailed Banfield from the email address on their website (google it).

 

Here is their response:

 

Thank you for emailing Banfield Pet Hospital.  After reviewing your account, we have determined that the amount that you have already paid into the plan is sufficient for the services rendered.  Therefore, as a client service gesture, we are withdrawing the item from collections and the credit bureaus.   A letter to that effect is attached as well as a copy of your signed Agreement for your reference.  Please let us know if you have any further questions or concerns. 

 

 

WOOHOO I am on Cloud 9 right now!!

New Member
wa122805
Posts: 2
Registered: ‎10-22-2012
Re: Debt Validation Letter Success for Banfield Pet Hospital

WOW !!

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Debt Validation Letter Success for Banfield Pet Hospital

Boom!   Gone!   Congrats!


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+

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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!
Valued Contributor
madmann26
Posts: 1,453
Registered: ‎08-30-2012
Re: Debt Validation Letter Success for Banfield Pet Hospital
Congrats!!! And you doubted us? LOL :smileyhappy:))

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 690|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
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New Contributor
Dexter80
Posts: 76
Registered: ‎10-25-2012
Re: Debt Validation Letter Success for Banfield Pet Hospital

Been going round and round with IC Systems for a Banfield debt.

Sent DV.  Validated.

Offered to pay % of it.  Denied.

Tried again denied.

Tried to contact the OC via email, they responded within 24hrs, denying my %, no counter offer, just full amlount but with a payment option.

So, should I set up a payment option with the orginal OC even though ICSystems is reporting the collection on my EQ and follow up with a GW?

Or should I just wait it out til I have the funds to pay in full and then GW for deletion?  

Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes:  EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress  CRA Dispute - in progress


 


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New Contributor
Dexter80
Posts: 76
Registered: ‎10-25-2012
Re: Debt Validation Letter Success for Banfield Pet Hospital

 Thank you for contacting Banfield Pet Hospital regarding the Wellness Plan for your pet.  Unfortunately, based on the services used out of the Wellness Plan package, we cannot accept a settlement of only $XXX.00.  The $319.50 is the remaining balance due to pay off the Puppy Early Care Plus plan, enrolled on 11/12/09.  You are welcome to make partial payments toward that balance, but the debt is valid, so we will be unable to withdraw it from your credit report.  We have attached a copy of the Wellness Plan agreement to this email. You can contact our Client Financial Services team if you would like to discuss the account with a representative. 

 


So MyFico'ers - what's my next move?  Should I pay the OC directly and GW?  Attempt to PTD again with the CA (IC Systems)?  

Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes:  EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress  CRA Dispute - in progress


 


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Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Debt Validation Letter Success for Banfield Pet Hospital

Bump up the payment, maybe even a full payment.  That might work.  Ask if you if you were to pay in full if they would delete it.


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!
Valued Member
shoppingsenior
Posts: 30
Registered: ‎06-06-2007
Re: Debt Validation Letter Success for Banfield Pet Hospital

What % did you offer to pay? Maybe increase the offer, or do a PFD once you get the funds. Keep trying!

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
Re: Debt Validation Letter Success for Banfield Pet Hospital

Congrats

New Contributor
Dexter80
Posts: 76
Registered: ‎10-25-2012
Re: Debt Validation Letter Success for Banfield Pet Hospital

Going to pay in full.  Just debating paying the OC directly the full amount and GW since there will be no amount due to IC Systems maybe it will delete?  

Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes:  EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress  CRA Dispute - in progress


 


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