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letter to ipdl if I still owe

Date: Tue, 09/04/2007 - 15:06

Submitted by vanryankelly
on Tue, 09/04/2007 - 15:06

Posts: 84 Credits: [Donate]

Total Replies: 11

letter to ipdl if I still owe


the principal?

can someone point me to a letter if I still owe them?
I live in Texas I have internet and store front loans that I'm defaulting on, but the illegal internet
ones, I still owe some the principal and wanted to
see if there is a letter I can email them?

any help is appreciated?


I can PM you a copy that I sent to mine. It didn't really work for me, I don't think any of them will listen to me until I bring in my equivalent of the AG (in OR we go through the Dept of Banking). That is the only way it worked on one of mine. But I'll send that to you and you can modify it to what works for you.


lrhall41

Submitted by pokogeo on Tue, 09/04/2007 - 15:23

( Posts: 571 | Credits: )


Try this sample letter

Quote:


Date

Your Name

Name and Address
of original creditor

Re: Acct # 000-000-000-000

To Whom It May Concern:

This letter is regarding account # 000-000-000-000, which you claim I owe. This is not a refusal to pay, but a notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting "validation"; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe is a violation of the Fair Credit Reporting Act; therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

If you no longer own this debt, remove the derogatory marks from my credit report per the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company. I will be seeking a minimum of $5,000 in damages for:
1. Defamation
2. Negligent Enablement of Identity Fraud
3. Violation of the Fair Credit Reporting Act

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Best regards,

(insert your name)

Cc: (Insert a lawyer's name here), Esquire


lrhall41

Submitted by weeswie on Tue, 09/04/2007 - 15:26

( Posts: 382 | Credits: )


Oh yeah, and people have been pointing out that you want to revok any wage assignments you may or may not have signed. I'm in OR and they don't allow those, but I don't know where you are and what your situation is.

Also don't forget to peruse the "do-it-yourself" tab with all those letters, I created mine cuting and pasting things from them and using the suggestions left to me.


lrhall41

Submitted by pokogeo on Tue, 09/04/2007 - 15:27

( Posts: 571 | Credits: )


I don't understand that letter either. I think it is meant for if your PDL gets sold to another collection agency, then you'd send them that to validate the debt, and if they are illegal they usually don't validate it.

I assume you are still working with your PDL and if it is in collections it is still 'in house'.


lrhall41

Submitted by pokogeo on Tue, 09/04/2007 - 16:34

( Posts: 571 | Credits: )


kelly, I can help you if you can't get one you're looking for. Just post. I see Roxy is helping now. If you guys can't get it square, let me know. :D


lrhall41

Submitted by cannr on Tue, 09/04/2007 - 18:08

( Posts: 9317 | Credits: )