They spit on the PFD letter

Anonymous · ‎11-06-2007

I submitted a PFD letter to a CA similar to those contained in this forum. The CA sent a "we don't care" type response. In their response they state that the agency has acted in accordance with FDCPA and FCRA and they have submitted a copy of the medical billing record. The balance due was to have been paid by the insurance company. I just want it off my records, and as such I'm willing to just pay it and be done with it. That is why I sent the PFD. They don't seem to want the money (IN FULL). The CA's letter is requesting that if I want to dispute it, to send it in writing. I did already, through the PFD. What do I do next? I can't imagine they don't want this to be paid.

Anonymous · ‎11-06-2007

I haven't had to deal with a medical collection, personally, but from what I have read, these companies in particular seem very hard to deal with. From reading different posters comments, it seems that you might be better off to do a PFD to the oc. Some posters have walked into the OC's office directly, cashiers check in hand, requested a PFD and demanded that the oc send a letter to the ca to have the item removed. I think it would also be smart to have them type up an original copy of the letter being sent to the ca on their letterhead. Then keep this letter for your records.

Then see who has the last laugh

Message Edited by nfg on 11-06-2007 09:26 AM

Ausfarm · ‎11-06-2007

I agree w/ nfg. Try going to the original creditor. I can't imagine they wouldn't want to get paid in full. Have the original creditor agree to contact the collection agency and request and take any other actions necessary to have the collection agency remove and stop reporting the collection account.

Anonymous · ‎11-07-2007

I suppose I can do that - but, what doesn't make any sense here is that the offer was to pay the entire amount in FULL. Their response seems to be as if I had sent a DV letter, which is why they claim they've complied with FDRA ....etc. That's not the case - in my letter I stated that the debt was in question, and in the interest of compromise I'd just pay it for a delete. They are still stating that I need to dispute ... blah, blah. No Comprendo.

Anonymous · ‎11-07-2007

Bob, imo, you need to determine first if the account is still actually owned by the OC. Hopefully it is.

If so, you have a great deal more negotiating power than with the CA.

I was very successful in having a collection deleted by negotiating with only the OC, by offering to PFD.

I think you could really benefit from reading "Success Stories and Encouragement" found at the top of this page:

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=27512

My story is there, as well as others who've tried various things to get baddies removed/resolved.

Good luck to you.

Anonymous · ‎11-07-2007

Thanks Silvya ... I'll take a read at the link you've provided. How do I verify if this is owned by the OC?

Anonymous · ‎11-07-2007

Well, there are 2 ways that I know of. DV through the CRA, or simply call up the OC.

Calling the OC might be contrary to what others suggest here, but when I started working on my med collection, I didn't know any better, and called the hospital.

I'm sure others will give you their opinion as well.

Anonymous · ‎11-07-2007

I've seen the examples of DV letters here but I thought it was to be sent to the CA. The CA is the one who has reported to the CRA - but I don't know if that means they actually own the debt or they are just collecting on it. Think if I send a DV to the CRA, can they, or will they, tell me who actually OWNS it?

Anonymous · ‎11-07-2007

I think so Bob, but I cannot be absolutely, positively sure. I've never DV'ed anyone, so take my opinion with a grain of salt please.

I'm sure you can find the answer though by using the search box, and typing in DV. Give that a try.

Anonymous · ‎11-07-2007

BOBINSKY wrote:
I submitted a PFD letter to a CA similar to those contained in this forum. The CA sent a "we don't care" type response. In their response they state that the agency has acted in accordance with FDCPA and FCRA and they have submitted a copy of the medical billing record. The balance due was to have been paid by the insurance company. I just want it off my records, and as such I'm willing to just pay it and be done with it. That is why I sent the PFD. They don't seem to want the money (IN FULL). The CA's letter is requesting that if I want to dispute it, to send it in writing. I did already, through the PFD. What do I do next? I can't imagine they don't want this to be paid.

First call the OC...they usually do not report but have a CA take it over( medical accounts).....most do not sell it. So call and get info.from them. Then call your ins.co and see if they filed. If it was filed & declined ask why! IF they never filed ask if it can be resubmitted. IF NO........call OC and ask about PFD...they usually accept......you must have this in writting, so send them a PFD letter and PAY only AFTER you receive their accept letter!

In this PFD letter ask them to notify the CA to delete. PAY the OC direct....

After they cash the check DV the CA CMRRR At the same time dispute with all CRAs that are reporting.

There is no reason not to talk to a OC unless they are nasty.......never NEVER talk to a CA!!!!!!

If an OC owns an account and you do not want to talk to them you can sent a letter.(I have DV a OC before I knew any better).