PFD Example Letter

[Anonymous]

i just wanted to share my news, i sent the PFD letter to RJM Acquisitions, and they agreed to delete the negative information as long as i send them the 50% i offered, so good luck guys, but the letter works! thanks!!!!!!!!!!!!

[poet]

Suppose you (like I) tried repeatedly to pay an old debt to the original source, but get letters demanding considerably more from a sleazy collection agency. Can I use the PFD to pay the original account in full/part, send the collection agency a drop dead letter, and have it off my reports altogether? Thanks... this particular one has been a real pain.

[Anonymous]

I have a question.  You PFD the CA and they delete the item.  Does the OC update the CCR's as being paid or will it stay the same?

Thanks.

[shirleyland]

Is it ok to send a PFD to the OC or is it best to send to CA.

Message Edited by shirleyland on 02-25-2008 07:22 AM

[rom828]

Tuscani,

 I found your example letter by searching the threads.

I've posted elsewhere but havent heard back from anyone as yet, so maybe you could help!!

I've rec'd settlement offer letters  from NCO on a Cap1 CO.  Wont go into the whole history, but feel better about dealing w/NCO now that I;ve read a thread dealing with other members' sucesses with NCO.  Even got a good contact to email.

What I dont know is how to word my email to NCO.  The are evidently just assigned on this CO as Cap1 is the only one reporting. I want to request a settlement but want to offer less than theirs (they're proposing roughly 60%+ and I want to propose (at least to start about 30-40%).  I dont feel as tho I'm trying to cheat them at that am't as the total is now $1934 for a CL of $200 that I never exceeded until lates and then over limits were added. I tried to deal w/Cap1 direct back in 03 and got nowhere so I let it all ride. 

 I want to get this off my report as an unpaid CO, even tho it's scheduled to drop 06-10 and is past SOL in GA.

I keep finding  PFD letters, but is my situation a PFD one?!?!  Since Cap1 is the one reporting, can NCO even agree to PFD since they are the CA but not OC and they are not reporting?!?!?   And I'm not disputing the debt, so need to word it differently.

And any thoughts on just what to say in my email ??   Read that others emailed this contact, then rec'd written confirmation and everything was done as agreed.  Think NCO is nicer since their legal woes! but I didnt see anyone dealing with CC   CO....most were medical, phones, etc.

What special terminology do I want to use to be sure it shows as paid in full, no balance due, and ensures that cap1 reports it that way ?

I'm grateful for any assistance you can provide!!!

[nicemann]

Well just sent off my PFD....let's cross my fingers and see if I get them taken off. Great job on the letter Tuscani. Thank you so much!

Message Edited by nicemann on 03-13-2008 10:46 AM

[Anonymous]

Let me see if I have this correct, I offer to PIF or settler, and add an addittional $25 to have this deleted from CR?

[haulingthescoreup]

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@Anonymous wrote:

Let me see if I have this correct, I offer to PIF or settler, and add an addittional $25 to have this deleted from CR?

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I missed this --which post did you see advising to offer extra for a PFD?

If you click the actual post that you're responding to, and then click "quote", that other member will know that you're talking to them. It's especially important to do this on these crazy-long threads.

[nicemann]

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FICODRAMA wrote:

Let me see if I have this correct, I offer to PIF or settler, and add an addittional $25 to have this deleted from CR?

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Wow I hope not.  I thought just paying the total amount that I owed them would make them happy.  Still waiting to hear back.  Only been a couple of days.  But they are local so I will hopefully get a response by mid week.

[haulingthescoreup]

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@nicemann wrote:

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@Anonymous wrote:

Let me see if I have this correct, I offer to PIF or settler, and add an addittional $25 to have this deleted from CR?

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Wow I hope not. I thought just paying the total amount that I owed them would make them happy. Still waiting to hear back. Only been a couple of days. But they are local so I will hopefully get a response by mid week.

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I'm hoping to see the original post. Otherwise, this sounds really iffy in the thou-shalt-not category.