Re: why chat-Rma letter and validation

Posted by CAK (66.140.213.113) on November 16, 2003 at 19:23:53:

In Reply to: why chat-Rma letter and validation posted by sardy on November 16, 2003 at 14:15:52:

In my opinion and given the age of this debt, you should use a letter such as this one: I use this letter with great success.

You are hereby notified, pursuant to Fair Debt Collection Practices Act, that you and your services are terminated upon receipt of this document recording your signature. You are further ordered to Cease and Desist all attempts to collect the above disputed account.

Understand that this is a limited Cease and Desist and you are being asked by the consumer for a complete validation of this alleged account.

Make very sure any and all CRA's you subscribe to note this alleged unvalidated account as disputed immediately by use of a Universal Data Form and via Electronic Tape File Transfer at you usual and customary time.

As of now your are in violation of FDCPA Sec. 809 (b); that is, you have not validated this alleged account and are attempting ongoing collections. Additionally, you are in violation of FDCPA Sec. 807 (8); that is, I have disputed this alleged account and you have failed to report it as disputed to all CRA's used in your Hard Inquiry.

Validation/proof is accomplished by way of; line by line ledger style accounting, (John Doe's) signature on, Original Application for Credit, copyies of each and every signed charging incident, so as to account for alleged balance. Additionally, I will need a copy of the Original Revolving Credit Plan Agreement, copy of the assignment and/or sale document that would give you the contractual right to attempt collections. All of the foregoing according to the FTC's ruling must come from the Original Creditor via the collector and/or agency. You must obtain this information within 45 days of Certified Return Receipt Mail.

Your failure to satisfy this request within the requirements/tim frame of the Fair Debt Collection Practices Act will be construed as your admission to violations to Sec. 809 (b) and Sec. 807 (8) Sec. 807 (10) and your admission of no Permissible Purpose to view.

You may at your option decide that this alleged account is not worth your vested time and/or interest. If this is your position, fill out a Universal Data Form noting that the account was reported in error and should be deleted.

Copy me on any and all correspondence you have with CRA's and Original Creditor regarding deletion. If you delete your every presence, including inquiry from my Credit Report as suggested above, you have my Written Word that I will not pursue any Civil Action for the within described grievous violations against this Corporation whatsoever.

In the unfortunate event that communication breaks down or your decide not to comply, I will submit by way of Petition to the appropriate court the afore mentioned grievous violations for Civil Sanctions per FDCPA immediately following your allowed 45 day validation time frame.

I, (John Doe), and very serious about my Credit Profile and will protect it by whatever legal means necessary.

Sincerely,

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