MCM Collections ?
Date: Wed, 10/14/2009 - 14:02
MCM Collections ?
Well I am here again with a problem....My other problem with Resurgent that I posted about is in the lawyers hands now. Waiting to hear more from them. Any whooo...
My new problem:
I have been paying Salute CC card now (like my other debts) since
February 2009. In May 2009, I received a letter from Jefferson Capitol and then P.Scott Lowery, on this cc debt. I sent a DV to them and never heard back. So in September 2009, I pulled my credit report and they (Jefferson)are listed on it. I sent another DV to them both and the 3 CB's disputing this. Low and behold, today (10/14/09) I get a call at work from MCM (?) collections about this CC debt. I told the guy I was paying them (Salute) directly and I dont' owe them nothing. He wanted to know how much I paid them , I told his nosey butt it wasnt any of his business, and if he needed more information to send me a letter, then I hung up.
So...does this probably mean Jefferson couldn't validate and moved it on to another CA?
Do I just wait for a letter from MCM (whoever they are).?
probably midland credit mangement.a truebottomfeeding sleaze out
probably midland credit mangement.a truebottomfeeding sleaze outfit.just get everything in writing and keep up on them.they love to play the dirty collection game.
Okay now what? As I said above, I sent a DV to Jefferson Capito
Okay now what? As I said above, I sent a DV to Jefferson Capitol and Scott Lowery on this debt. Well today I got my certified letter back as un-deliverable. Should I make copies of this and send to the 3 CB's, since I am fighting to get them removed? I am more than positive they sold this account to MCM, since they never could validate the debt and I am paying the CC company direct. Now I guess I will be fighting with MCM...never ends does it?
yes send the returned letter to the CRA'S.then wait.you are righ
yes send the returned letter to the CRA'S.then wait.you are right jefferson a scott lowery are bottomfeeders as well.it seems that it never ends,but it will.
mcm collections?
Okay, I have received a letter from Midland claiming they own the debt from Salute. Jefferson Capitol is still listed on my credit report as the "owner", even though no validation was ever received. And, my last check sent to Salute for October payment was cashed.
So I am sending a DV to Midland today, both via fax and certified letter.
As far as I am concerned I owe Salute....correct?
::rolleyes:
well,salute it looks like charged it off,and sold it.so send the
well,salute it looks like charged it off,and sold it.so send the bottomfeeder midland the DV letter certified mail return recepit.
Quote:Originally Posted by meinindyOkay, I have received a lette
Quote:
Originally Posted by meinindy Okay, I have received a letter from Midland claiming they own the debt from Salute. Jefferson Capitol is still listed on my credit report as the "owner", even though no validation was ever received. And, my last check sent to Salute for October payment was cashed. So I am sending a DV to Midland today, both via fax and certified letter. As far as I am concerned I owe Salute....correct? ::rolleyes: |
Don't waste your time sending DV requests by fax, email, phone, smoke signals, or what have you. You need to send it in writing, and you need to be able to prove they got it. That leaves CM/RRR as the most cost-effective solution.
mcm collections
Thank you for the replies. I have some updated news on my Jefferson Capitol problem. As said above they never validated the debt but was on the three credit reports, So, I sent letters to all three and got two replies back. Experian said they needed more "proof" so I am going to send them the copy of the certified letter that was refused, Transunion sent their reply, and the results was it has been deleted. :)
I have sent a certified to MCM on this matter and I am waiting for the DV. Until then, payments will continue being made to Salute. Until proven I owe them and payments are refused by Salute, they get NOTHING. ;)
Stick to your guns, and keep us posted. We'll be here when you n
Stick to your guns, and keep us posted. We'll be here when you need us.
Thank you...I appreciate all the help I ahve been receiving.
Thank you...I appreciate all the help I ahve been receiving.
Hello all, update... I received reply's from Transunion and Exp
Hello all,
update... I received reply's from Transunion and Experian. They have not only deleted Jefferson Capital off my report, but also Salute. I'm not going to complain, (lol) but why the OC? And, do you think they will put it back on if/when MCM notifies them? BTW they still haven't validated the debt yet, so they would be in violation if they did.
Also, I have a post out about Resurgent on a different debt, it has been over thirty days and still no validation. Is there a time limit on them to respond?
Note:
I am still paying the OC's on these accounts, and they are accepting and cashing my checks. Should i continue to pay Salute? Now I am really confused.
There is no time limit for them to respond to a DV unless you li
There is no time limit for them to respond to a DV unless you live in Texas. If your DV was timely (w/in 30 day dispute window) then they must cease collection efforts until validation is provided.
Thanks NASCAR DEVIL for the response, and all who have been help
Thanks NASCAR DEVIL for the response, and all who have been helping me.
If you will take a moment and read my post on Resurgent Capitol , I have an update there that I need answers for.
The reason Resurgent hasn't validated, is because it has now been turned over to an LPA office. So i guess here i go again is yet another DV letter.
Hello again... I received a letter from Salute Yesterday ( I had
Hello again...
I received a letter from Salute Yesterday ( I had also Dv'd them), saying:
"Your account is now being serviced by a new company. For further details call 800-281-2793".
This number belongs to Jefferson Capital, imagine that. They no longer have it. And yes, I am still waiting to hear from Midland. So the waiting begins, and I will not be sending any more payments to Salute. I guess I will eventually find out who to pay.
:(
the emblem mastercard people.beware of them,and get a DV letter
the emblem mastercard people.beware of them,and get a DV letter out asap.
Hi Paul, Letters have been sent to everyone....Salute, MCM, Jef
Hi Paul,
Letters have been sent to everyone....Salute, MCM, Jefferson...and cb's.
1.Jefferson was returned not deliverable, 2.MCM no reply yet, 3.Salute saying sold to Jefferson, and 3.two CB's have deleted them (salute and jefferson) for no DV.
I guess the ball is in MCM's court now. Like I said, I will be sending no one any money till I find how who has this now. I would very much like to pay it off, as I had been by sending payments to Salute directly. But, no more. So complicated.
yeah it can be at times.i would wait until jefferson sends you t
yeah it can be at times.i would wait until jefferson sends you their emblem card offer.then send a DV letter to whatever address is on that letter.
Wow, never heard of the emblem card offer. Is this something the
Wow, never heard of the emblem card offer. Is this something they add the balance to? I would never even consider such an offer. Sounds like a way for them to get more money.
jefferson runs that. there is more than one thread on the old em
jefferson runs that. there is more than one thread on the old emblem mastercard from jefferson.they issue the card after you pay whatever debt they are collecting on.it is a scam.and should be avoided.
Quote:Originally Posted by meinindyLike I said, I will be sendin
Quote:
Originally Posted by meinindy Like I said, I will be sending no one any money till I find how who has this now. I would very much like to pay it off, as I had been by sending payments to Salute directly. But, no more. So complicated. |
Bank that money towards a future settlement offer, when you find out who to deal with. Just don't send anybody anything more until you do find out. And don't accept a settlement offer until you have it in writing.