All you want to know about LVNV

[uptomyneck]

Jack, I wanted to get your input on this...I recieved a letter from LVNV dated March 12, 2008...

 

WHAT DO I DO NOW! ANd WHAT DOES THIS MEAN!!!!

 

I recieved a letter in the mail from the WWR laweyrs...on behalf of LVNV

 

Your request for validation of th above captioned debt has been recieved. Hoever, we have returned this file to our client, and have ceased collection activities relative to the above mentioned account . Therefor, we will not be able to assist you in obtaining the required information.

This lawfirm is a debt collector that was attempting to collect this debt for our client and any information obtained would have been used for that purpose. However this file has been closed.

 

Has anyone else gotten this letter? Should I be looking for a judgement, or a new collection? Jack give me some insight please?

[CRDANDRIDGE]

*

[scarykarrey]

Do you think it would be worth it to offer a PFD to LVNV for $1? I suppose I could DV them to hell to make it worth it to just get rid of me for a buck.

 

It's possible that when I paid off what I thought was JC Penney previously, I had actually been transferred to LVNV. If that's the case, was it legal for them to charge me interest for that month?

[jack1212]

Jack, I wanted to get your input on this...I recieved a letter from LVNV dated March 12, 2008...

 

WHAT DO I DO NOW! ANd WHAT DOES THIS MEAN!!!!

 

I recieved a letter in the mail from the WWR laweyrs...on behalf of LVNV

 

Your request for validation of th above captioned debt has been recieved. Hoever, we have returned this file to our client, and have ceased collection activities relative to the above mentioned account . Therefor, we will not be able to assist you in obtaining the required information.

This lawfirm is a debt collector that was attempting to collect this debt for our client and any information obtained would have been used for that purpose. However this file has been closed.

 

Has anyone else gotten this letter? Should I be looking for a judgement, or a new collection? Jack give me some insight please?

 

 

 

Looks good to me. They are stopping collection efforts and closing the account.

 

Wave goodbye.

 

With one finger.

[jack1212]

Also, should someone else try to collect on it, bust WWR, and LVNV for selling a disputed account that is false, or has reason to be believed false. (since they couldnt validate)

[northwestnative]

Jack,

 

I wish we had someone like you working on the Midland team. They are just like these people. You are giving me some good ideas. I had an old Providian Account and Providian, Presidio and Midland were all reporting the one account twice each. Crazy. I sent the obsolete letters to the CRA's and they removed Providian and Presidio and only Midland is left. They report as a factoring company. I am suggesting to everyone being tortured by Midland that they send the Jack1212 letter (which includes factoring issues) to the CRA's. That's my next step and thanks for all the hard work. You personally have helped me out immensly.

Edited March 19, 2008 by NORTHWESTNATIVE

[uptomyneck]

Jack, I wanted to get your input on this...I recieved a letter from LVNV dated March 12, 2008...

 

WHAT DO I DO NOW! ANd WHAT DOES THIS MEAN!!!!

 

I recieved a letter in the mail from the WWR laweyrs...on behalf of LVNV

 

Your request for validation of th above captioned debt has been recieved. Hoever, we have returned this file to our client, and have ceased collection activities relative to the above mentioned account . Therefor, we will not be able to assist you in obtaining the required information.

This lawfirm is a debt collector that was attempting to collect this debt for our client and any information obtained would have been used for that purpose. However this file has been closed.

 

Has anyone else gotten this letter? Should I be looking for a judgement, or a new collection? Jack give me some insight please?

 

 

 

Looks good to me. They are stopping collection efforts and closing the account.

 

Wave goodbye.

 

With one finger.

 

 

Also, should someone else try to collect on it, bust WWR, and LVNV for selling a disputed account that is false, or has reason to be believed false. (since they couldnt validate)

 

 

Thanks Jack! I tried to send a dispute through TU. I cant with EX becuase it says I already investigated it. So since you think they will delete on their own, then I will wait to see what happens, and in 30 days from the 12th, if they dont delete I will send a letter to EX and LVNV.

 

Thanks Again. Ill let you know what happens.

[jack1212]

If they are still reporting, send a letter to LVNV and the Resurgent Division.

 

Dear Scum,

 

Per your letter, (copy enclosed), please see to it that this tradeline is removed from all three Credit reporting agencies within 15 days of this tracked and confirmed letter.

 

Thank you.

 

 

 

 

Now go burn in hell.

[oh-no]

Jack

 

Great post. I just read all 5 pages and going to re-read again.

 

Kudos to you for posting your experience with these people.

[ghost722]

Looks like they finally responded to one of my BBB complaints. For the most part it seems to be a cut and paste response of what others have received. (they don't violate the fdcpa and fcra) (why they can report as a factoring company, per the metro 2 manual etc etc). They quoted the Chaudhry case, but of course left out the most important part as usual. They also lied in their response and said that I sent them a cease and desist which is why they have not responded to any of my mailings. Guess, I'll just keep letting the paperwork build up and eventually have to file suit.

[CRDANDRIDGE]

I got a letter today after firing of a dv request from Resurgent with my last name spelled wrong saying...

"Information you provided regarding this account has been forwarded to the Customer Service Dept for research. However, we have been unable to contact you to discuss this account. If we are unable to establish contact with you within 30 days from the date of this letter, active collection efforts will resume on your account."

 

1. This debt is past sol.

2. The dv I sent had a limited c&d in it, why would they try and call me or why would i want to call them.

3. They still haven't sent proper validation just a statement of validation printed from their pc.

4. They continue to verify each dispute and even hit my reports with a 120 day ding for 7/07.

5. They are re-aging this acct as the o.c. is reporting a d.o.f.d as 4/02 and lvnv has a d.o.f.d of 4/05.

 

What is my next step, bbb?

Edited April 1, 2008 by CRDANDRIDGE

[jack1212]

is your name also incorrect on the tradeline?

 

Send a limited C and D, and inform them that you CAN use mail to contact people.

 

This company is the worst for re-aging the FCRA compliance date. They start the date when they purchase they debt, which is illegal.

 

The LVNV removal date should match up with the OC's estimated date of removal.

 

NCO heavily fined for this.

 

Send a copy of the FTC letter:

FCRA §§ 605© and 623(a)(5) - "Commencement of the delinquency"

 

 

http://www.ftc.gov/os/statutes/fcra/johnson.shtm

 

 

Oh yea, a FOAD letter also.

Edited April 1, 2008 by jack1212

[CRDANDRIDGE]

is your name also incorrect on the tradeline?

 

Send a limited C and D, and inform them that you CAN use mail to contact people.

 

This company is the worst for re-aging the FCRA compliance date. They start the date when they purchase they debt, which is illegal.

 

The LVNV removal date should match up with the OC's estimated date of removal.

 

NCO heavily fined for this.

 

Send a copy of the FTC letter:

FCRA §§ 605© and 623(a)(5) - "Commencement of the delinquency"

 

 

http://www.ftc.gov/os/statutes/fcra/johnson.shtm

 

 

Oh yea, a FOAD letter also.

 

thanks for your help jack1212....my last name is correct on the tradeline. I will definately send the FTC letter to LVNV as I will be sending Resurgent a nice try at validation but try again letter....I'll keep ya posted.

[krisinbe]

Jack, LVNV is reporting on my CR's also as all of the above have mentioned. Out of SOL, the OC has already fallen off my reports. They haven't been bothering me lately but this is also the only bad thing on my reports. It is still listed as in dispute. Do I send another letter to WWR or to LVNV directly stating this is out of SOL and remove immediately?! TIA

[jack1212]

Jack, LVNV is reporting on my CR's also as all of the above have mentioned. Out of SOL, the OC has already fallen off my reports. They haven't been bothering me lately but this is also the only bad thing on my reports. It is still listed as in dispute. Do I send another letter to WWR or to LVNV directly stating this is out of SOL and remove immediately?! TIA

 

If the OC fell off due to the seven year clock, then the CA SHOULD have also.

 

The DOFD should be the same with BOTH. LVNV is classic for starting the seven year clock when they purchased the debt. WWR should not be reporting, forget them.

 

NOTHING RESTARTS THE SEVEN YEAR CLOCK AFTER CO!

 

fight em. And stay on that topic. look at the FTC letter above and devise your plan with that. It should fall off easily.

 

Jack

[MannyLNJ]

I have an LVNV entry on my TU report that is in error and not sure how to go about disputing it. It's listed as

 

LVNV FUNDING LLC # <# removed for posting>

PO BOX 10497

GREENVILLE , SC 29603-0584

(866) 464-1183

Balance: $601

Date Verified: 03/2008

High Balance: $542

Collateral: MED1 SOUTH HAVEN

COMMUNITY HOSPITAL

Past Due: >$601<

Pay Status: >

Account Type: O

Responsibility: I

Date Opened: 0

Loan Type: Factoring Company Account

Remark: Account information disputed by consumer

Estimated date that this item will be removed: 07/2012

 

I've never been to South Haven Community Hospitial. Heck I've never been to South Haven, MI where it is located according to google. I've never even been to MI.

 

Back in Jan I sent a validation request to Resurgent/LVNV for validation and they responded with a printout from them. Not anything from the OC. So if they are showing the above as Verified that has to be wrong because they were tryying to collect an alledged debt from CitiCards

[jack1212]

Sloppy recordkeeping.

 

For the medical, send an unknown debt letter. Even though you may not get a reply, it's still a great way to CYA.

 

DV Must come from the OC, not the CA.

[ChrisAZ]

Jack,

 

great info as always. I always learn something when reading your posts.

[MannyLNJ]

Sloppy recordkeeping.

 

For the medical, send an unknown debt letter. Even though you may not get a reply, it's still a great way to CYA.

 

DV Must come from the OC, not the CA.

 

 

Yep I know my recordkeeping is sloppy thats why i'm now keeping all my records scanned into PDF files.

 

Should I send Resurgence another Validation letter now since they did not send proper validaton or just contat the CRA now.

 

I know what the CA sent me is not validation.

[jack1212]

No, i meant sloppy recordkeeping on thier part, not yours.

[jack1212]

and yes, if the medical account is not yours, DV the crap out of it.

[MannyLNJ]

No, i meant sloppy recordkeeping on thier part, not yours.

 

and yes, if the medical account is not yours, DV the crap out of it.

 

Jack on 4/15 I sent a letter to Weltman, Weinberg & Reis regarding the account from LVNV funding that they are trying to collect asking them to validate the account. Do I need to wait for them to respond before I send another letter to LVNV?

 

If I don't wait do you suggest I send LVNV the letter now then when they get it which I will check on the postal site send the letter to CRA disputing it there as well?

[jack1212]

did you DV wwr within the first 30 days of their letter?

 

If so, dispute with the cra(s) as soon as tommorrow for the 1-2 punch.

[tmf1]

Hi Jack,

 

I am newbie and I haven't been served by LVNV atty yet, but I have received a letter from them.

 

Here is a link to my thread I created : http://creditboards.com/forums/index.php?s...330115&st=0

 

Please,if you would give me some input on what to do next I did not respsond within 30 days of their initial notice.

 

Thanks

[NeverQuietHere]

This company all around likes to copy and paste the same answers to everything. If you see my link re:Global Vantedge and my BBB complaint--you will understand they just go round and round like Jack says.

 

They recently responded after denying they pulled my credit report, til I sent them proof, now they are saying I have 2 accounts with them.

 

Still not addressing anything that i have said in my complaint, except to lie and then say that the account has been referred back to "Their client" Resurgent. Ya, right. Um, you are one and the same.