Re: validation

Posted by computerguy (204.180.131.3) on August 16, 2004 at 15:45:07:

In Reply to: Re: validation posted by JKelly on August 16, 2004 at 14:48:20:

One more point for you JKelly! This was posted right on this forum from one of the regular posters. So why do you insist on telling people to ignore? A Consumer Lawyer states its within your rights as a consumer for them to show proof of their claim in the form of such as the credit card agreement you originally signed, along with an account history. I type that in to everyone of my validation request and I hold the person that signed the dunning letter just as responsible as the company he works for.

you can demand that the collector produce a copy of the documentation that created the debt, such as the credit card agreement you originally signed, along with an account history, said consumer attorney Daniel Edelman of Chicago. Chances are the collector won’’t have this documentation, and continuing to report the account without providing proof that you owe the money is a violation of the Fair Debt Collection Practices Act, Edelman said.

When dealing with a debt buyer, request a copy of the account agreement and an explanation of what interest rate the debt buyer has been applying to the account.

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