Next Step - OC and CA double teaming me
[ Follow Ups ] [ Post Followup ] [ Credit Forum Index ]
Posted by Ken (66.217.96.119) on July 01, 2002 at 21:57:02:
I had a CC with Providian. I am 80 days late; Providian closed account and accelerated account-demanding payment in full. Calling several times a day. They sent account to CA – Encore Receivable out of Kansas. Encore first collection letter was on May 24, 2002. Both Providian and Encore are double teaming me. I sent modified validation letter to Encore on June 21 – signed RR by them on June 27. On June 28 Encore called demanding full amount due. Woman told me call was being recorded, gave mini-Miranda. At this point I had not received the green card back yet. I bluffed and told the woman that I had sent a validation letter for them prove that I owed the debt. She told me that “Providian does not inform them (Encore) of these things”. I told her no, I did not send it to Providian but to Encore and I was holding the return receipt in my hand. She promptly said “oh” and hung up on me. That’s the first violation. In today’s mail (July 1) I get another demand letter from Encore that is dated June 28, one day after they signed for my letter, violation #2. Now what should I do? Sit low and see if they validate? Or does it make any difference if they do or not and should I just send them the estoppels letter? Since both Providian and Encore are calling do I have any recourse against Providian? Thanks in advance for the feedback.
Follow Ups:
Post a Followup
|
