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My question is Sticky situation & reverse Lending Tree mortgage? Looking forward for any response. Second question.. On 30 Oct 02 I sent a Request for Validation to a CA (unpaid account). They sent me just a copy of the bill from the OC. On 11 Nov 2002, I sent the 15 day Partial Validation Letter. Today, instead of validation I receive a letter like this:.

November 29, 2002.

Client: ABC Corp.

Account: 123456.

Balance: $123.45.

From: S@$* For Brains CA.

Collection Division, Inc..

You are expected to pay this account in full by 12-06-02..

We would like you to take this final opportunity to pay off this debt before we recommend additional collection effort to our client..

Telephone: 123-456-7890.

This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose..

I believe I have the following violations avaialble to me:.

FCRA-Failure to report as in dispute X3 (TU, EX, EQ).

FDCPA-Failure to provide adequate validation.

-Attempting to collect without proper validation.

This might be a stretchFCBA-Failure to provide adequate time for payment (letter dated 29 Nov 2002, payment due 6 December 2002=8 days).

BTW, this is a bill that should have been paid by the Army. It is a medical collection. The treatment was received while I was on leave in an Emergency Room. I had offered the OC payment or I could refile if they would contact the CA and have the notation removed from my CRs. They declined. This occurred in 1998..

I want to fire off a good, strongly worded Intent To Sue Letter tomorrow. Any thoughts?..

asked Mar 07 at 08:19

Lukas's gravatar image

Lukas
105


I would like to know the answer too. Anyone here know what is the right answer. I'll do some research and get back to you if I bump into an anything. You should email the people at Lending Tree as they probably could give you help..

answered Mar 07 at 08:52

Cassidy
's gravatar image

Cassidy
1374

Of course, I should share why I'm being so nosy..

If Tricare was indeed, supposed to cover you, then you have a Tricare rep on your base somewhere who should be able to go to bat for you with the hospital. A good one will make OC fold pretty easily, just make sure the rep knows that you want it recalled from the CA and taken off your credit report ASAP and you want something in writing stating that they will do so..

If you really want to scare the bejeezus out of them - depending on your comfort level of course because I understand not wanting to involve them - have JAG write the intent to sue letter, on their letterhead. You're being hounded for a debt that the Army was supposed to pay, it seems logical to me that JAG would help you out with this matter..

Or you could just send the Intent to Sue letter :)..

answered Mar 07 at 09:44

Julianna
's gravatar image

Julianna
1001

In 1998 in that area, they were still working on Tricare and I believe that CHAMPUS was still the provider. I know that JAG could do it, but I am thinking this would be a good one for me to try on my own and if I am unable to accomplish the removal, then I could employ JAG as my backup. I was just wondering mainly, if I had interpretted the violations correctly. Thanks for your reply...

answered Mar 07 at 10:44

Jenna
's gravatar image

Jenna
1271

You have a point, there, it's a great one to test the waters with, because if you fail, JAG is there to get the job done..

I agree with what you have listed on the violations, except I'm not sure of the x3 on the marking in dispute. Someone else may be able to answer that for you..

:)..

answered Mar 07 at 11:28

Lyla
's gravatar image

Lyla
3306

Send it. You've got a violation. If they don't back down, file. Backup? Nice to know they're there, but I doubt you'll need it. Don't call them, hehe. It's a sign of weakness.



If they don't fold when they get the letter, I bet they'll fold when they get served...

answered Mar 07 at 11:45

Kaydence
's gravatar image

Kaydence
35

I don't call them unless I am calling for the strict purpose of harassing or being oppressive/abusive. LOL..

answered Mar 07 at 12:41

Dalton's gravatar image

Dalton
2808

I really wanted to call though and give them the 100%, complete ME! LOL...But I fought off the urge in lieu of a better outcome to happen in the next few days. They had their chance to solve it nice and simple, but they just didn't know who they were up against. Me with thick enough skin to see thru their holier than thou BS and Me armed with knowledge gained from participating on this board! LOL If they only knew. They will have their letter by the end of the week, and with any luck their small claims court summons next week (if they don't settle that is). Thanks for all of your input...

answered Mar 07 at 14:04

Arturo's gravatar image

Arturo
4422

Quick question. Did you dispute w/ the CRA's yet?? When you send a validation letter, you should dispute w/ the CRA's, and if they verify the account it's considered continued collection activity, which is a violation also...

answered Mar 07 at 14:27

Rebecca
's gravatar image

Rebecca
1384

Unfortunately, I did not dispute with the CRAs. However I did send it to all 3 CRAs during CHOD. So it looks like one way or another I will get it deleted...

answered Mar 07 at 15:03

Karen
's gravatar image

Karen
3543

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