I'm new to forum, so greetings all!! Recently I sent out validation of debt letters along with a disclosure statement to every collection agency on my credit report, 4 days later I got a letter in the mail from one of them, a company called [Money Control] saying the account was cancelled and they would inform all CRA's to remove any derogatory remarks. Small victory for me, many more to come!! Here is a sample of the letter I sent:
Via: U.S.P.S Certified Mail, Delivery Confirmation No.
7005 0390 0004 0312 1788
jaylon
In Care of:
Near: Philadelphia, [19150]
Pennsylvania Republic
[MONEY CONTROL]
[PO BOX 49990]
[RIVERSIDE, CA 92514-1990]
Alleged Balance Due: $[363.00]
Alleged Reference No: [6399556]
To Whom It May Concern:
You are in receipt of notice under the authority of The Fair Debt Collections Practices Act regarding your alleged file # 6399556. It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. In order that I can make arrangements to pay an obligation which I may owe, please document and verify the “debt” by complying in good faith with this request for validation and notice that I dispute part of, or all of the alleged debt.
1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due coarse of the promissory note and will produce the original for my own and a judge’s inspection should there be a trial to contest these matters.
2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.
3. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.
5. Please verify under penalty of perjury that you know and understand that certain business clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
6. Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable.
7. Please provide verification from the stated creditor that you are authorized to act for them.
8. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment.
Disputing the “debt”
jaylon
March 31, 2005
Copy to:
Consumer Response Center
Federal Trade Commission
Washington, D.C. 20508
IMPORTANT NOTE
Since thirty (30) days from the receipt of this letter is your allotted time under law to verify this item, it should be understood that failure to do so within that thirty (30) day period constitutes reason to promptly delete this alleged account from my file. - FCRA
Also please complete and return the attached debt collector disclosure statement.
Enclosures: Debt Collector Disclosure Statement
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