How is the for a validation letter?
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Posted by ex0dus
(68.9.171.184) on November 17, 2003 at 17:55:32:
I've used a combination of my own and others to form this validation letter. Any comments are very much welcome! I’m writing in response to your letter because I do not believe that I owe what you state that I owe. This is not the first time I’ve been contacted regarding this alleged debt. Wolpoff & Abramason L.L.P., who failed to respond to my letter requesting full validation previously contacted me. It is a violation of the FDCPA to collect on a debt that has been asked for validation on but none has been received. I have no knowledge whatsoever of ever having any dealings with Great Seneca Financial Corp. Therefore in accordance with Section 809 of the Fair Debt Collection Practices Act (FDCPA), I respectfully request that you provide me, in writing, with full validation of this alleged debt. This is not a refusal to pay, but a request for validation. In case you are unclear as to what constitutes full validation I have enclosed an FTC opinion letter (Wollman), this will hopefully save you the time of mailing me a computer-generated printout. Just as a clarification, according to the FTC, a full validation of a debt must include both a signed contract and a full and complete accounting of a debt. This information must come directly from the original creditor, and it must be newly compiled information. You can also reference case law on the FTC website, and by going to the following links: 1-http://www.ftc.gov/os/statues/fdcpa/letters/wollman.htm
2-http://www.state.in.us/judiciary/opinions/archive/03260101.ewn.html You should also be aware that reporting invalidated information to major credit bureaus might constitute defamation of character, as the negative remarks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I will deal with you only in writing at the address above. Since you have my address, there will be no need for you to contact my family or neighbors for locating purposes. I intend to keep a log of any contacts you make with me as well. Any violation of this request could make you liable for sums up to $1000, plus actual damages and counsel fees. Finally, when I called your ********** office (10-13-2003) and spoke with ****** *******, she informed me that you (Law Offices, ****** ******, P.C.) “are not debt collectors,” but rather “litigators, who go straight to court.” If this is the case then why on both letters of communication (enclosed) that you’ve sent me does it specifically state “THIS IS A COMMUNICATION FROM A DEBT COLLECTOR?” I’d appreciate a response regarding matter as well.
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