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Why Chat, Question regarding extent of validation
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Posted by Question again
(24.165.92.191) on March 01, 2004 at 05:07:36:
I asked a question on this board about Computerguy's method of asking for DETAILED validation of a cc debt and someone said that was ridiculous and that no one has to supply all of the charges, etc. But then here is something you wrote to someone in an archived forum: "If you don't demand absolute proof of it being your account, with a copy of your signed application and a complete accounting of all charges and interest, plus proof of the CA having a valid interest, i.e. purchase etc. then IF they cannot produce the required proof, you will win, if they can, you will lose." And Keyser wrote this in the same thread: "Nice of them to call validation 'sending the last statement'. No. No, this is not validatin anymore than a pile of horsemanure atop a loaf of raisin bread is Crepe Suzettes. They're caught in their own petard. They are considered to be experts, devoid of any excuses for ignorance of the law.
Validation means every statement from start to end. Now, heed WhyChat's words well, don't ask for validation in SOL. Also, report their failure to properly validate - by their own self-indictment - to the FTC. Worth a few dollars should these greaszy sleazebags try any court stupidity." But when I read the FDCPA I don't see anywhere where it requires that kind of proof. Or maybe this isn't a FDCPA issue but rather a court issue. I don't know. This is all very confusing to me. Thanks
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