Pay OC Instead of CA Process + Letter

[shifter]

so I had an interesting phone call today. I get lots of sales calls on my business line and I can tell immediately when I pick up. this one was different so I stuck around to find out what they wanted.

 

I sold a rental property last year and it turns out the gas company deleted my billing information from their system when the account was closed, so they sent the final gas bill to the property address, which of course I never received. I forgot all about it, so I never contacted them about it.

 

so this call was from the collection agency they had hired to pursue it. I did some searching here and didn't find any specific information relating to this process, so I thought I'd post what I did for others.

 

I knew this debt was valid, but first I told them to send me something in writing and gave them a mailing address to send it.

 

then I hung up and immediately called the gas company directly to get all the information.

 

they told me what happened and said I could pay the bill with them. so I used their automated payment phone system and got my confirmation number.

 

I also got the name and address of the collection agency from the gas company, so I could send them a letter.

 

I then typed up this letter and mailed it off.

 

January 14, 2015

 

CA

123 Main St

Anywhere, US 01234

 

Re: Collection Account of XXXX

Gas Company Account #XXXX-XXXX in the amount of $XXX.XX

 

To Whom It May Concern:

 

After being contacted via phone by your office and made aware of this alleged debt, I contacted Gas Company regarding this account. I paid $XXX.XX directly to Gas Company and received a confirmation number of #XXXXX for my payment.

 

This letter is notify you that the account has been paid in full to the original creditor and therefore you must stop all collection activity on this account. This includes, but is not limited to, phone calls, letters or negative reporting to the credit bureaus.

 

Should any collection activity continue, I will be forced to take further legal actions to protect my consumer rights and credit rating including filing of complaints with the Better Business Bureau, Attorney Generals office, and Federal Trade Commission.

 

Trusting you will govern yourself accordingly, I remain

 

Very truly yours,

 

shifter

and of course I didn't sign the letter.

[JayB27]

I like it.

 

Have to keep us updated on this.

 

These can become difficult to deal with if not dealt with properly.

 

I highly doubt you'll have a problem.

[nolanryan]

Are you just trying to protect yourself just in case? You know that if you hadn't received a running letter, it shouldn't be reporting. If you pay the oc directly, I do not see how the ca cited then send a dunning letter to tiu in a $0 balance account.

[JayB27]

How's this?

 

"They sent him one."

 

Now, prove they didnt. That is how they roll.

[nolanryan]

How's this?

"They sent him one."

Now, prove they didnt. That is how they roll.

I don't think it works that way. Op is well versed in keeping his own paper trail as well

[JayB27]

Yea, it doesn't work this way. But they try things like this.

[JayB27]

If I had to battle a CA now, with clean reports. It would be WWIII

[nolanryan]

If I had to battle a CA now, with clean reports. It would be WWIII

Ha fair enough

[shifter]

I'm just covering my bases.

 

They never did report.

 

They didn't mail me a dunning letter because the OC didn't have my mailing address which is what caused the whole problem to begin with.

 

However, they did have my SSN.

 

I'm just ensuring they don't try to get cute.

[HouseBound0829]

This is genious. I am going to use this with afni. I paid the oc too. Thanks a BUNCH!

[tobettercredit]

If I had to battle a CA now, with clean reports. It would be WWIII

LOL

[Jackyboy]

Thanks for sharing!

Would you recommend this if both the ca and oc (utility company) had already reported as collection?

Thanks

[BDK]

 

Trusting you will govern yourself accordingly, I remain

 

Very truly yours,

 

shifter

LOL, then why are you holding a sledge hammer like that?!

[shifter]

Thanks for sharing!

Would you recommend this if both the ca and oc (utility company) had already reported as collection?

Thanks

It's not going to help you get the OC removed.

 

But you can still use it to get the CA off.

[Jackyboy]

Thanks for the reply.

Would you advise using this approach to get the ca off and then good-willing the oc? Or is there a better approach?

I don't mean to hijack. Thanks.

[ICANHASMUNY?]

Actually; there is a sample letter on this process in the " sample letter " forum.

 

http://creditboards.com/forums/index.php?showtopic=496348

 

 

& not all newbies know the difference between a CA and a JDB, this process with not work with a JDB.

[ICANHASMUNY?]

This is genious. I am going to use this with afni. I paid the oc too. Thanks a BUNCH!

 

YOU CANNOT USES THIS WITH AFNI

 

 

THIS PROCCESS DOES NOT WORK WITH JDB'S

[pwd847]

& not all newbies know the difference between a CA and a JDB, this process with not work with a JDB.

How can you tell the difference?

[CKB750]

What can be used with Afni to get them to delete?

[ChrisAZ]

What can be used with Afni to get them to delete?

Probably only a ITS letter...lol, unfortunately since they don't play by the rules.

[ICANHASMUNY?]

 

& not all newbies know the difference between a CA and a JDB, this process with not work with a JDB.

How can you tell the difference?

 

• American Commercial Credit

 

 

• Arrow Financial

 

 

• Asset Acceptance, LLC

 

 

• CACV of Colorado, LLC

 

 

• Cavalry Portfolio Services, LLC

 

 

• Centurion Capital Corporation

 

 

• Debt Buyers Inc.

 

 

• DSS Financial

 

 

• Easy Loan Corp.

 

 

• Faslo Solutions, LLC

 

 

• First Resolution Investment Corporation

 

 

• Generation Funding

 

 

• Hilco Receivables

 

 

• Hudson & Keyse

 

 

• LVNV Funding LLC

 

 

• Midland Credit Management

 

 

• Midland Funding, LLC

 

 

• MRC Receivables Corp.

 

 

• NCO Financial

 

 

• Palisades Collection LLC

 

 

• Persolve, LLC

 

 

• Portfolio Recovery

 

 

• Resurgent Capital Services

 

 

• RJF Financial

 

 

• Unifund CCR Partners

 

 

• Western States Financial

 

 

• World Wide Asset

 

 

There are also many new debt buyers showing up all the time.

[pwd847]

 

 

& not all newbies know the difference between a CA and a JDB, this process with not work with a JDB.

How can you tell the difference?

 

• American Commercial Credit

 

 

• Arrow Financial

 

 

• Asset Acceptance, LLC

 

 

• CACV of Colorado, LLC

 

 

• Cavalry Portfolio Services, LLC

 

 

• Centurion Capital Corporation

 

 

• Debt Buyers Inc.

 

 

• DSS Financial

 

 

• Easy Loan Corp.

 

 

• Faslo Solutions, LLC

 

 

• First Resolution Investment Corporation

 

 

• Generation Funding

 

 

• Hilco Receivables

 

 

• Hudson & Keyse

 

 

• LVNV Funding LLC

 

 

• Midland Credit Management

 

 

• Midland Funding, LLC

 

 

• MRC Receivables Corp.

 

 

• NCO Financial

 

 

• Palisades Collection LLC

 

 

• Persolve, LLC

 

 

• Portfolio Recovery

 

 

• Resurgent Capital Services

 

 

• RJF Financial

 

 

• Unifund CCR Partners

 

 

• Western States Financial

 

 

• World Wide Asset

 

 

There are also many new debt buyers showing up all the time.

 

So then there is no for sure way to tell the difference?

[ICANHASMUNY?]

most of them have a website,

 

you can google them,

 

or you can ask here on CB; we can generally figure it out.

[homehomehome]

I'm just covering my bases.

 

They never did report.

 

They didn't mail me a dunning letter because the OC didn't have my mailing address which is what caused the whole problem to begin with.

 

However, they did have my SSN.

 

I'm just ensuring they don't try to get cute.

So this never showed up on your CR?

[Redfoot]

What can be used with Afni to get them to delete?

I sent a DV and they responded with all the backup.

 

Sued another scummy CA and disputed Afni as obsolete about a year early and for deletion on all 3.

 

Not sure if there's a correlation there.