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Re: Validation. Now what? This board is useless

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Posted by WhyBother ( on November 15, 2003 at 18:08:01:

In Reply to: Re: Validation. Now what? This board is useless posted by CAK on November 15, 2003 at 10:50:31:

Thanks; maybe it isn't hopeless.

What the CA sent me was a photocopy of a signed pre-approved application reply. It is from nine years ago and has my signature, SSN, DOB, mother's maiden, and address. It WAS NOT sent certified mail. It says on the reply "I have read the important information on the back. I agree to be bound by the terms and conditions of the ******** Cardmember agreement that will be mailed to me with my credit card. I understand these terms may be amended in the future." (that's how they get you, right?) So, is this a valid agreement?

The debt is 9 years old, with the last payment 7 months ago, thought I first started missing payments about a year ago due to joblessness. The original line of credit was for $1500, but eventually was increaed to $10,000 due to my good paying habits. It's interesting how these credit card companies can go from best friend to worst enemy in a split second.

So, is requesting another validation (actinh like I never received anything so far) and implying that this may be identity theft still the right way to go on this? It seems like they could shoot this defense down in court pretty easily, if the CA decides to sue to get a judgement against me.

No, they haven't yet sent me a ledger-style accounting of the debt, nor have they sent me any info that they are authorized to collect this debt, but this just seems like stalling tactics. On my original request for validation, I did apply my signature, for what that's worth. Didn't know any better.

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