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First question I got is What document should be preapre will help to apply Lending Tree mortgage for real estate? Hoping for any response. Another question I got... Background - DH has Crap 1 co from last year. Turned over to Viking. Sent dispute/validation within 30 day window in November. Never a reply. |
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That's a good question. I'm not sure what is the answer to your question. I'll do some Googling and get back to you if I got an useful answer. You should email the people at Lending Tree as they probably could help you..
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Thats my point...its says it's from Cap 1, but the numbers given are for Viking. I also smell the possibility of now being able to throw Cap 1 in the pile for FDCPA violations..
BTW it came in an unmarked envelope (as debt collectors are supposed to send in), but the return address is Richmond, VA... |
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BBBRRRRAAAHHAHAHAHAHAHAH.
As Phoebi from "Friends" says Im so excited. Now I Can do the PLAN LAUGH!<laughing in the deep vampire midnight laugh>. BRAHHAHAHAHAHAHAHA.. |
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I've gotten these too. I think it's a form letter they send out hoping someone calls and pays..
A lot of these companies have automated mailers that go out on a scheduled basis.. Don't fall for it... |
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Oh, I'm not falling for it. But is this continued collection activity without validating since there are no amounts or requests for payments?.
Which I'm sure would be the outcome of me calling them... |
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Well Jlynn I would take it as continued collection activity...after all, the mini miranda says....This is an attempt to collect a debt...They may have left out the dollar amount but they certainly made their intent very obvious in regards to why they were contacting you. Sneaky bastards...LOL..
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Sent dispute/validation within 30 day window in November..
Jlynn. ==============Why is every one hung up on a 30 day window here lately.. It was never a problem before.. What gives - did they change the law?. The END ************************* LB 59.. |
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Well Jlynn I would take it as continued collection activity....
Kathycmh |=========. =================. Nothing but!. The END ************************* LB 59.. |
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What are the specifics about the 30 day window? Do you mean that she does not have to wait the entire 30 days to recieve the validation?..
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People are getting the screwed up notion that you forfit your rights to proof of claims against you if you don't ask for the proof within 30 days..
Some folks can't read and others don't understand what they read after they read it... |
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If it is from Cap1 then they are not bound by the FDCPA and can send you piles of letters telling you who to call..
However, check your State's collection laws. Some include both the OC's and CA's - if yours does, see what kind of restrictions are placed on collection activities.. 0.. |
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I got the same one, but mine says ARS Nat'l. Yea, right like I'm gonna deal with them!!..
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There is nothing that says you can't request validation outside the 30 day window, but there are some pretty clear points in the FDCPA if you validate within 30 days of that notice, that IMHO are grayer outside of that window...
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That was part of my point mentioning this letter. It SAYS it's from Cap One, but there are no addresses on it, it says to call their collection agency, and only gives the CA phone number...
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Well, if I got a letter like that I'd already have them in a trap and headed down the primrose path..
When they do something like that they are literally begging for it. In fact, that's two violations right there... |
