Validation letter

[wagszrx]

What is the name of your state? OREGON

How is this for a validation letter???







March 3 2005

my name
PO BOX
, Oregon

CREDITORS NAME
PO BOX xxxxx
BUFFALO NY, 14240

March 3 2005

Re: Acct # XXXXXXXXXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on 02-25-05). Be advised that this is not a refusal to pay, but 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 VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with 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;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.



Best Regards,

My Name

 

[jaytee716]

Looks good to me, but I wouldn't expect to get all of the information that you requested. I am familiar with the CA that you are talked about, as I was in management for a couple of their competitors in Buffalo. Generally, all that they can/will send you is a computer generated letter which fills in you personal information in the required fields. The only "person" written communication that would be written would be by our one attorney (keep in mind that we had 700 collectors, each with 800 accounts at one time) in responce to another attorney. CA's will only do the bare bones requirements. The proof that the CA's that I was involved with would send would either be a copy of the original application and the last billing statement sent, or just the last statement sent. Right before I quit for a "honest" position, we were able to provide a detailed charge history for our accounts through a third party internet site if that client subscribed to the site.
As for your request of not to contact you by phone, they should not call you until if/when they validate the debt. If the debt is validated, they may still attempt to contact you at your home # (but if they contact your place of employment it would be a definite violation of the FDCPA since you told them not to). Some may consider the one statement as a cease and desist letter, but I know that my previous agency would not have. I would send the following if/after you get the verification you requested:

Date: _________________________

To: ___________________________

______________________________

______________________________

Re: My Account with _____________________

Account #______________________________

Notice to Cease Communications

Dear Debt Collector:

This is to advise you that pursuant to the federal Fair Debt Collection Practices Act, you are hereby notified to immediately cease communications to me with regard to all matters concerning the collection of a debt alleged to be owed to your company or your principal, the original creditor stated above. This notice shall include, but is not limited to written correspondence, as well as telephonic communication.

Please also be advised that you may not contact me at my place of employment because my employer prohibits me from receiving such communications.

I have been advised to keep a log of any contacts after your receive this. Please be advised that each communication received by me after you receive this notice could cost you up to $1000 plus actual damages and counsel fees. You may contact me to tell me that you are ceasing communications, once.

You are contacting me about someone else's debt and I have no responsibility for the debts of others nor their whereabouts and no law requires me to provide you with any information whatever.

Please be advised that if you or anyone in your employment ever contacts me again I will immediately and without further ado refer this matter to my attorney with demand for immediate legal action against you in a court of competent jurisdiction.

Sincerely:

______________________________

Address:_______________________

______________________________

______________________________


And remember, send all your letters certified so that you have proof that they were sent and signed for. If you don't do that, and you persue the CA for a violation, their answer would be, "We never received such notice."

Hope that helps.