topic Re: DV Letter - Please Advise If Ok or Need to Add/Remove Info in General Credit Topics

DV Letter - Please Advise If Ok or Need to Add/Remove Info

Anonymous — Wed, 09 Apr 2008 03:33:39 GMT

This is a DV letter I used many many years ago and just located. Please let me know if it is ok or if something should be added or deleted. Thanks.

Dear Sir/Madam:

I am writing in response to your letter dated April 20, 2006 because I do not believe that I owe what you say I owe. This is the first I’ve heard from you, or any other company on this matter therefore, in accordance with Section 809—Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following:

What the money you say I owe is for;

Explain and show me how you calculated what you say I owe;

Provide me with copies of any papers that show I agreed to pay what you say I owe;

The statute of limitations status on this account;

Provide a verification or copy of any judgment (if applicable);

Identify the original creditor;

If you have reported me to any credit collecting agency, then I insist that you inform them that I have placed this debt in dispute and provide me with proof that you have done so. I also request that you immediately send a copy of this dispute letter to the company (creditor) that you say I owe money so they are aware of my dispute with this debt.

Finally, in accordance with section 805© - Ceasing Collections, of the Fair Debt Collection Act, you are hereby requested to cease and desist all collection activity until you have provided me with these vital documents for my review.

Sincerely,

Re: DV Letter - Please Advise If Ok or Need to Add/Remove Info

Anonymous — Wed, 09 Apr 2008 05:09:35 GMT

PurpleHaze wrote:

Finally, in accordance with section 805© - Ceasing Collections, of the Fair Debt Collection Act, you are hereby requested to cease and desist all collection activity until you have provided me with these vital documents for my review.

Did you do this in MS Word?

You want it to say, "805(c)". Make sure your word processor doesn't replace the text "(c)" with the copyright symbol, as it did in the text quoted above.

Re: DV Letter - Please Advise If Ok or Need to Add/Remove Info

Anonymous — Wed, 09 Apr 2008 13:27:25 GMT

Yes I did and thanks for the heads up. Anything else you see that is incorrect or anything I should add. The others I have seen on the board seem longer and/or ask for "media." Not sure if my list is doing the same. Thanks again.

Re: DV Letter - Please Advise If Ok or Need to Add/Remove Info

Anonymous — Wed, 09 Apr 2008 18:09:47 GMT

*bump* for feedback. Is the DV letter I have missing any information? For ex: letters I see here refer to "media" requests and I am not sure if my bulleted requests are sufficient. Just want to make sure what I have a concise, to the point and nothing is missing.

Cheddar: thanks for the heads up regarding the symbol change

Re: DV Letter - Please Advise If Ok or Need to Add/Remove Info

Anonymous — Wed, 09 Apr 2008 18:32:09 GMT

I like this version from Happy Days.

Send CMRRR ONLY, KEEP ALL COPIES, DO NOT SIGN ANYTHING, TYPED OR PRINTED NAME ONLY!!

ONLY GIVE INFO AS LISTED ON CR , NO ADDITIONAL INFO

CERTIFIED MAIL #:
_______________________________________________________
Your Name
Your Address
YourTown,, State ZipCode

Debt Collection Company Name
Their address
Town, State ZipCode

Date:

Re: Debt Collection Company Name; Acct # Debt Collection Company #; Original Creditor Name; OC Acct #

To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on DATE. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that (a) the account is valid, (b) the amount allegedly owed is accurate, and (c) I have a contractual obligation to pay Debt Collection Company Name for this alleged debt.
All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Debt Collection Company Name for this alleged debt:
• Signed credit application between myself and the original creditor
• Copies of all signed vouchers from the date account was opened until default
• Copies of all statements from the date account opened until default
• Proof of the statute of limitations
• Proof of agreement that you were hired by the Original creditor (creditor as defined by the FDCPA) or
• A copy of the contract Debt Collection Company Name purchased the alleged debt.
• If the alleged debt was purchased, provide a copy of an agreement between Debt Collection Company Name and myself, signed by me, stating that I have a contractual responsibility to Debt Collection Company Name for the alleged debt
• Provide proof that Debt Collection Company Name is bonded/Licensed for debt collecting in the State of Your State
Be advised that failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims Debt Collection Company Name is asserting regarding this alleged debt. If Debt Collection Company Name can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from the Debt Collection Company Name. If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA (Fair Credit Reporting Act), and carries a $2500 fine to be paid to me. I have two years to decide if I want to pursue this matter. PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES.
If your offices are able to provide all of the validating media as requested, I will require at least 30 days to investigate this information, and during such time, all collection activity must cease and desist.
I am also stating, in writing, that no telephone contact be made by your offices. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by United States Postal Service.

Best Regards,

Your Name ONLY TYPE YOUR NAME