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Yes I was talking about contact CA. I'm glad you said that because I would feel uncomfortable calling them. Never know they might try to say I'm acknowledging something that I'm not.
I was about to send this email to the Director of Billing & Collections of Duvera... could you guys and gals look over it... just to kind of put me in the right direction?
3/7/2013
[INSERT YOUR NAME]
[INSERT YOUR ADDRESS]
[INSERT YOUR CITY, STATE, AND ZIP CODE]
Director of Billing & Collections
DUVERA BILLING SERVICES
2701 Loker Ave W Ste 280
Dba Duvera Collections
Carlsbad, CA 92008
Regarding Acct# number: [INSERT YOUR CREDIT REPORT FILE NUMBER]
Dear Sir:
I am writing to request that you provide verification that the collections account, number [INSERT ACCOUNT NUMBER] shown in my Equifax credit report belongs to me.
Sincerely,
[INSERT YOUR NAME]
[INSERT YOUR PHONE NUMBER]
Enclosures: Experian credit report
Short sweet and to the point. Any ideas to make it better? Opinions? Optimism? Pesstimism... (That a word?)
If you are asking for debt validation it probably should be written, sent CMRRR.
I found this debt you say I owe on my CR, account #______. Please validate per FDCPA 809.
Ok I'm definitely mailing it off... printing it now and getting it out. Thanks again!!!
Should PFD be mailed or is it ok for email? Wait, I can probably just fax an agreement over the phone if we can reach one with PFD. They sign, fax back, then I pay. Well ANYWAYS when I get to that I defintely will ask for help!
Yes, PFDs can be done email or snail mail. Some have even asked over the phone and the CA held up to their end of the agreement. Some have not.
Well I did it...! I got the letters printed out and ready to send. First thing tomorrow morning!
I also emailed a PFD tonight to First Premier... here is how it looked: (Props to Tuscani)
Address
I tried to make it clear that there are two accounts and wanted them both removed. Heck to be honest I'd be happy just to get a response lol keeping fingers crossed hope they say sure... theres accounts are about 4 years old so... better something then nothing
Don't like that letter at all. You are asking for a favor and that letter appears you are forcing them. PFDs are like GW letters, asking for a favor.
No time limits whatsoever.
Leave off the part about the dispute since that could come back and bite you in the hind end.
Just be nice, and to the point.
I do not acknowledge these debts but in the spirit of compromise I will pay them for a deletion from my CR. Add account numbers etc.
Ack.. I should have thought of that with the pretense of GW... well... maybe after they reply or not reply ill try again in a week with another PFD in GW tone. I should have posted before sending. I'm learning Thank you guiness56
For future reference lol.
You should see the very first DV letter I sent. It asked for everything under the sun!
I've been seriously thinking of going in there and deleting those PFDs. I'll put a thread on it to the other mods and see what they think.
@Shogun wrote:I've been seriously thinking of going in there and deleting those PFDs. I'll put a thread on it to the other mods and see what they think.
please do lol