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Originally Posted by scottinalaska
I finally sent a VOD to one of the CC agencies. I was not late on payments or anything. I went ahead and splurged on Jason's "Unsecured Debt Package"
It is certainly not "Jersee style", being 15 pages in length. But it covers a lot of ground. I proofed it, made a number of grammatical corrections, spellings, and footnotations-that-led-no-where eliminations.
But that aside, it is quite a work. And I trusted it enough to mail her off with my novation and final 25 dollar payment.
It is approaching 30 days now with NO response.
It appears that Jason recommends getting an Affidavit of NO Response done.
But then what? Submit it to an Arbitrator? Mail it to the Billing Dispute dept? I am kind of lost here as to what to do next.
And yes, I know, I should ask the author of this method, but as some of you are surely aware, responses can be sporadic(my, that was a generous statement!)in my experience.
The nice part here is I will post my progress with this "Pay your fee, and see if IT will make you free!" program!
Well, any thoughts welcome. Timeliness is an issue here, I am sure.
scottinalaska
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WOW,...15 pages?!!! I needed only two pages.
Like you , I was not in arrears to my CC company, but placed the balance in dispute and [being nice] requested a statement of account supporting their claim of the amount owed, and a copy of the debt instrument that caused the debt.
A simple statement that 'failure to rebut the issues shall constitute a legal admission that my facts are true and establish equitable estoppal if these issues are cited in the future.' I also stated that 'notice to principal was notice to agent, notice to agent is notice to principal.'
I allowed 14 days, not counting the day of service to respond, and an offer to extend the deadline if required.
After a wait of 30 calander days, I submitted a 'Notice of default' letter, with a 10 day deadline. Both letters were sent 'return receipt requested'-[I have both signed cards filed]
The last RRR card was recieved by me about 6 weeks ago. Since then I have not recieved the first statement, letter or bit of communication from them. OOPS, I almost forgot, a few days after the 10 day notice of default letter was sent, I got a bill from them, which I returned with a check for a nominal amount, with the notation "Satisfaction and Accord for account #xxxx", both on the front and above the endorsement area on the back. The CC company used the ACH method to 'cash' the check, so the only proof of that endorsement is on my duplicate.
So far, so good, still I need to check my credit report to make sure no adverse entries are made, but I can rebut them if I find any.
Greg 2