Letter from Creditor - how to respond?

[abundant1]

This was my original post with my original issue concerning Traveler's Advantage.

 

http://creditboards.com/forums/index.php?s...r%27s+advantage

 

I wrote the CEO of Traveler's Advantage, provided copies of all of my correspondence, and told him I am fully prepared to settle this matter in court.

 

 

The collection agency finally gave up on calling me and sent me a letter, basically stating that I owe this debt, which I do not, and they have given me 30 days to file a dispute. I have avoided it for a while and now I have about a week left to respond.

 

What is the best way to respond to this? I was thinking something along the lines of "This is not my debt. This never was my debt. I demand that you cease and desist from contacting me again about this matter."

Edited November 17, 2009 by abundant1

[abundant1]

How is this?

 

The debt described by Traveler’s Advantage/Affnion Group, Acct # XXXX, is inaccurate. It is not my debt, and never was my debt. Traveler’s Advantage made an unauthorized charge to my credit card, to which I disputed, to which they had 45 days to respond, to which they did not. I have since written a letter to Nathaniel Lipman at the corporate headquarters of Trilegiant Corporation to handle this matter.

 

I demand that your company cease and desist from contacting me again about a debt that is not mine. I demand that my name be cleared of this issue immediately. I am fully prepared to file a lawsuit against any further harassment.

[pryan67]

how about just a basic DV letter?

[cinnamngrl]

How is this?

 

The debt described by Traveler’s Advantage/Affnion Group, Acct # XXXX, is inaccurate. It is not my debt, and never was my debt. Traveler’s Advantage made an unauthorized charge to my credit card, to which I disputed, to which they had 45 days to respond, to which they did not. I have since written a letter to Nathaniel Lipman at the corporate headquarters of Trilegiant Corporation to handle this matter.

 

I demand that your company cease and desist from contacting me again about a debt that is not mine. I demand that my name be cleared of this issue immediately. I am fully prepared to file a lawsuit against any further harassment.

 

pryan is right. The Original creditor has no obligation to respond to your letters. However the collection agency is required to respond to your DV letter with proof of this debt. Stop wasting time and send the DV CMRRR right away. This is not the time to Cease and Desist. You need to get records so you can understand the legal case. It is fine that you want to solve this in court but get your DV first.

[Linx04]

would the FCBA work in this instance?

[abundant1]

how about just a basic DV letter?

 

That's why I posted here. I am new to this b.s. I have never had a problem with being charged for something I didn't owe. I've already mailed the letter. Also, it was suggested by another member in another post thread to write the CEO of the company, which I did.

[Lynn37]

Let me add, that a CA is not required to respond to your DV.

They are not allowed to continue collection until they send you a validation IF you send a timely DV.

[cinnamngrl]

Actually I read the original post, I don't think this is the problem. The OP was charged for a plane ticket that he doesn't deny using. Apparently his friend was supposed to pay on their credit card but the OP was charged. The ticket was bought through the OP's account and if I understand this, the OP believes that they did not have a right to charge his card. It seems that it may have been possible that this "friend" charged his card from the beginning. And if that is not true then I am not sure would consider unreasonable care for the OC to think it was proper to charge the card he had on file in his account when his friends card refused the charge. The purchaser had after all logged in to the OP's account, and as he has said that he used the ticket. I think that this would be a great candidate for PFD. I think that if you take this to court, the judge will tell the OP to sue their friend.