topic Re: No response to PFD letters in General Credit Topics

No response to PFD letters

azsassycat — Thu, 11 Oct 2007 17:53:13 GMT

I sent two (2) PFD letters to two separate hospitals. These accounts are within the SOL and are for $100 each. They were mailed on 09/24/07 and received on 09/25/07.

I sent six (6) PFD letters to a third hospital/medical clinic. These accounts are outside of the SOL and are for $30 to $261 ($706 total). They were mailed on 09/27/07 and received on 10/01/07.

I sent one (1) PFD letter to Progressive Insurance. This account is outside of the SOL and is for $178. This was mailed on 09/27/07 and received on 10/01/07.

I sent all PFD letters to the OCs and have since determined that all the accounts also have CAs. From what I have heard on this forum it is better to work with the OC . . . is that correct?

I have had no respond in regard to any of the nine (9) PFD letters I have sent. What should I do?

Thanks for the advice.

Cathleen

Message Edited by azsassycat on 10-11-2007 10:53 AM

Re: No response to PFD letters

Anonymous — Thu, 11 Oct 2007 19:09:38 GMT

Cathleen, that's exactly what I did. Worked ONLY with the OC(also hospital).

I negotiated a PFD, which they agreed too. In their agreement with them, they provided me with an original duplicate to the CA stating(in essence) that the account was PIF, and to remove immediately, the entry on CR. They first wanted to just say "debt paid". I told them not good enough, but I wanted it completely removed. They complied.

I got a cashier's check for full amount, went to the hospital, talked to the csr. I asked to see the letter to CA BEFORE handing them the cashier's check. She did...the letter was to my satisfaction, and I handed her the cashier's check.

5 days later, I received a confirming letter from CA stating they will comply with hospital's wishes, and they did. I checked my CR and it was off of all 3 CR's. Gone. Wiped out. Without a trace.

Gosh, I'm wordy. sorry. But there's all the details in full.

Hope that helps

Re: No response to PFD letters

Anonymous — Thu, 11 Oct 2007 19:18:51 GMT

Same thing is happening with me.

I sent my PFD's out a month ago and nothing yet.

I got the return green cards so I know they received them but I have not heard a word from any of them.

Should I send new PFD letters to them???

Re: No response to PFD letters

Anonymous — Thu, 11 Oct 2007 19:24:44 GMT

Gosh, if it were me, I'd be so antsy, I'd probably call them(the OC & CA). But that's just me....impatient.

Better to let others join in and offer their opinions.

Re: No response to PFD letters

Anonymous — Thu, 11 Oct 2007 19:44:19 GMT

Well from what I have tried and read, the OC doesnt even have to accept or reply to a PFD. Its completly up the OC if they want to do it or not. So if they do not respond you just have to send another letter.

I had one that wasnt responding and you may not want to try this, but this is what I did. I sent several PFD's to them with no response, so I just picked up the phone and called to find out what I could do. I kind of rant and raved and ended up getting them to say that they would accept a pay for delete. I asked for it in writing and now im keeping my fingers crossed that it will show up in the mail.

Re: No response to PFD letters

Anonymous — Thu, 11 Oct 2007 20:27:52 GMT

azsassycat wrote:
I sent two (2) PFD letters to two separate hospitals. These accounts are within the SOL and are for $100 each. They were mailed on 09/24/07 and received on 09/25/07.

I sent six (6) PFD letters to a third hospital/medical clinic. These accounts are outside of the SOL and are for $30 to $261 ($706 total). They were mailed on 09/27/07 and received on 10/01/07.

I sent one (1) PFD letter to Progressive Insurance. This account is outside of the SOL and is for $178. This was mailed on 09/27/07 and received on 10/01/07.

I sent all PFD letters to the OCs and have since determined that all the accounts also have CAs. From what I have heard on this forum it is better to work with the OC . . . is that correct?

I have had no respond in regard to any of the nine (9) PFD letters I have sent. What should I do?

Thanks for the advice.

Cathleen

Message Edited by azsassycat on 10-11-2007 10:53 AM

I would give it a little longer...the ones most recently received only got them 7 business days ago. I have heard of responses taking 6 weeks or more.

Re: No response to PFD letters

azsassycat — Thu, 11 Oct 2007 22:09:18 GMT

Good news - I just called one of the hospitals and they referred me to the CA . . . so I took a chance and called them to see if the would be open to a PFD . . . (just told them the amount - didn't give them any identifying info) . . . and they will . . . DELETE FOR PAYMENT!

I am going by their office tomorrow with a money order and they will have the agreement to delete waiting for me.

I'll give the other ones a few more weeks . . . I just wanted at least one to work.

Thanks for all the help everyone!

Cathleen

Re: No response to PFD letters

Anonymous — Fri, 12 Oct 2007 12:47:28 GMT

Congrats, it always feels good to win some small battle. Just make sure you get it in writting that it will be deleted from your credit report. I would also make sure that it says it will erase all debt.

Re: No response to PFD letters

Anonymous — Fri, 12 Oct 2007 14:15:30 GMT

Congrats sassy! You are working the system to make the system for you. You did well.

One suggestion though. And I'm not being critical:

"I took a chance and called them to see if the would be open to a PFD"

You cannot be to nice to these people. It puts you in a position of weakness. Do not ask. Inform them. "I WILL hand you a cashier's check, and in return you agree to delete all negative info to the CRA's, AND supply me at the time of payment with an original duplicate of the letter you will send to the CRA's"

I know it's not very trusting, but honey, it's business. YOUR personal business. It is neither good nor bad...just business. Only you can assure yourself that things will be handled as you wish it.

Keep up the good work

Re: No response to PFD letters

SCAREDCROW — Fri, 12 Oct 2007 17:51:57 GMT

Sorry folks - I'm a bit of a newbie to this forum, and while I can sort'a figure out some of the acronyms ... some have me baffled. If you could endulge a newbie and let me know what these mean, I'd be most grateful.

PFD ?

CA - Collection Agency ?

OC ?

SOL ?

CRA - Credit Reporting Agency ?

Thanks.

Re: No response to PFD letters

Anonymous — Fri, 12 Oct 2007 17:59:33 GMT

SCAREDCROW wrote:
Sorry folks - I'm a bit of a newbie to this forum, and while I can sort'a figure out some of the acronyms ... some have me baffled. If you could endulge a newbie and let me know what these mean, I'd be most grateful.

PFD ?
CA - Collection Agency ?
OC ?
SOL ?
CRA - Credit Reporting Agency ?

Thanks.

Read this thread:

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=1325

You will find the answers you need.

Message Edited by MeganML84 on 10-12-2007 01:59 PM

Re: No response to PFD letters

azsassycat — Fri, 12 Oct 2007 18:01:10 GMT

PFD - Pay for Deletion Letter (search PFD to learn more about this correspondence; it is essential in cleaning up your credit)

CA - Collection Agency

OC - Original Creditor

SOL - Statue of Limitations (determines how long a creditor has to sue you (i think))

CRA - Credit Reporting Agency

Re: No response to PFD letters

SCAREDCROW — Fri, 12 Oct 2007 18:04:25 GMT

Ok - newbie question once again ...

What makes these people even report to the CRAs what they give you on these letters? They can give you whatever you want written on these letters, and never even report after they get your cashier's check. What's to compell them to do so; they don't care, they have the money and you are left to still deal with the situation.

Re: No response to PFD letters

Anonymous — Fri, 12 Oct 2007 18:44:17 GMT

if you write your PFD letter correctly, it basically becomes a binding contract. they can of course go back on their word, but with that document you have recourse to force them to remove it, or persuade the CRA's to remove it.

Edit: I wanted to clarify. The PFD letter you send is only half of the document. It's their written response that agrees to do it that really makes it stick. you should keep both of them incase they do go back on their word.

Message Edited by orhippychic on 10-12-2007 11:44 AM

Re: No response to PFD letters

SCAREDCROW — Wed, 17 Oct 2007 16:54:20 GMT

What do you mean by SOL. I know it represents Statute of Limitations, but what exactly does this mean in terms of any debt owed (or not) and the PDF letter. My situation involves a couple of very small medical bills being disputed.