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partial validation?? what next?
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Posted by Aggravated (208.8.252.70) on August 07, 2002 at 01:44:21:
State: Montana
Date of delinquency: 11/98
This CA has purchased this account from Discover. The balance is $1200 and change. The CA received my validation/dispute letter on 2/19/02. I just received their response today (8/6/02). They sent me four months of statements and a copy of the original creditors application.
Are they in violation of the FCRA simply because it took them 6 months to respond?
Is this proper validation, or do they still need to provide some proof of their purchase of this account and the amount for which it was purchased?
Do they even have a valid contract with me simply because they purchased the debt from Discover? I see no exchange of valuable consideration between myself and the collector. Isn't that neccessary for them to have a valid contract with me? Shouldn't I have been given the right to purchase the contract for the same amount that the collector purchased it for before the account was sold?
I see some partial validation letters on the websites. Is that my next step or do I go after them for their disregard of the FCRA?
Thanks for your responses and assistance.....I love this website.
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