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Shaquil
Joined: 19 Feb 2009
Shaquil's page
Posts: 13
482 Magic Points
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Subject: Will not send letter that they will settle
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Thu Feb 19, 2009 10:05 pm
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I have a problem I have been paying off some debt on my credit , however, I have ballys on my report for 2018.00, which is a fitness center. The kick is , I never signed a contract. Ballys has sold this to a a collection agency and Now I owe them 2018.00. I asked would they settler she said they would for 1514.00, i requested if I could get this in writing, however I never heard from her, I have called and left a message. what should I do, this has ruined my credit report and keeping me from purchasing a home. Any suggestions would help
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Fri Feb 20, 2009 12:45 pm
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| First of all if you never signed a contract and did not use their services then they should not be able to charge you. Did you call Bally's in the beginning and try to clarify the situation with them? Secondly before paying any debt that has been purchased by a bill collector you should send them a debt validation letter first. The debt validation letter is a letter that proves that they legally purchased the account from Ballys and are now the owner of the debt. The also would have had to have a copy of the original signed contract. You say you had not signed any contract. If this is the full truth then you need to send out the valdiation letter. They would then have 30 days to validate the debt. Without a contract they will not be able to so you can dispute the account with the credit bureaus and have it removed with out paying this debt. |
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Shaquil
Joined: 19 Feb 2009
Shaquil's page
Posts: 13
482 Magic Points
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Fri Feb 20, 2009 3:11 pm
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| Thank You for your help, but no I never signed a contract and see this is on my credit report and it is really hurting it because my lender is stating that I have to have it paid, Im so upset I have really been working hard for the last year in a half on getting my score up. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California
29555 Magic Points
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Wed Feb 25, 2009 7:31 am
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Hi Shaquil
To be sure whether the collection agency that claims your debt actually owns it, you need to send a debt validation letter by certified mail, which they need to answer within 30 days from the day they receive your letter. The validation should include the proof that they have bought the debt from Bally and details of the outstanding debt, including the late payments. If they can provide you with such documents, you can come to a pay for deletion agreement in writing and pay it off.
_________________
Keep in touch
Carol |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Wed Feb 25, 2009 6:59 pm
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| I would send the validation letter and if they do not repond just dipute it. This will remove it from your report and you can get the loan you will need. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
10 Magic Points
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Sat Feb 28, 2009 11:03 pm
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| It seems the phone dispute may be a lot quicker. Are these people hard to deal with that you have to speak to at the credit bureau? How long after disputing it did you see results? The poster could really explain in detail over the phone and it may be easier than doing it online or with the good old fashion pen and paper. Plus they would have the opportunity to have some question answered. |
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Hippie
Guest
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Subject: YVXMAjjmKBwuD
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Wed Dec 14, 2011 8:51 pm
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| If not for your writing this topic could be very convoluted and oblquie. |
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