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Hello all,
I just registered and this is my first post to the forum. I'm looking for some advice (if that wasn't obvious enough). I'm in the US. I haven't really been able to find many good sites/forums/resources that are US based, most everything seems to be UK based, and so I think that's why I'm having a bit of difficulty, because many of the terms/statutes/acts etc used in the UK are not familiar to me or have different analogues in US law. Can anyone recommend any good resources that are more US oriented?
Still, I'd love to ask for advice here as well, and I'd say this is the more pertinent question I have: What is the appropriate response that folks here would recommend to respond to a Debt Validation Notice?
I did a LB site search for 'debt validation' and didn't come up with any results, and only very few results for the words without quotes. The point I'm at now, is that I have received a DVN from a DCA, with 30 days to respond/dispute and request verification. I am trying to decide how best to reply. I have decided to try to steer clear of anything pertaining to UCC tactics and/or the three letter process (GOODF, et. al.), as from all that I have looked into so far, and believe me, I am near exhausted from the amount of research I've done, I've decided it's more than likely not useful and perhaps could do more harm than good.
However, a simple reply disputing the validity doesn't seem to be any good either, since then they'll just respond with their boilerplate notifying me of what little, standard info that they are required to by law, but that doesn't actually prove anything. The essential issue for me and the reason I'm fighting this is that I've come to fully understand and appreciate how money is created (though the signature of the borrower) and that in essence the bank (original creditor) misrepresented their offer and also failed to provide consideration, both of which invalidate the contract.
So to reiterate my main question, how do folks recommend replying to the DVN, preferably in a way that has s some 'teeth' to it, and will deter the DCA from trying to pursue a claim? Any advice appreciated. thanks.
I just registered and this is my first post to the forum. I'm looking for some advice (if that wasn't obvious enough). I'm in the US. I haven't really been able to find many good sites/forums/resources that are US based, most everything seems to be UK based, and so I think that's why I'm having a bit of difficulty, because many of the terms/statutes/acts etc used in the UK are not familiar to me or have different analogues in US law. Can anyone recommend any good resources that are more US oriented?
Still, I'd love to ask for advice here as well, and I'd say this is the more pertinent question I have: What is the appropriate response that folks here would recommend to respond to a Debt Validation Notice?
I did a LB site search for 'debt validation' and didn't come up with any results, and only very few results for the words without quotes. The point I'm at now, is that I have received a DVN from a DCA, with 30 days to respond/dispute and request verification. I am trying to decide how best to reply. I have decided to try to steer clear of anything pertaining to UCC tactics and/or the three letter process (GOODF, et. al.), as from all that I have looked into so far, and believe me, I am near exhausted from the amount of research I've done, I've decided it's more than likely not useful and perhaps could do more harm than good.
However, a simple reply disputing the validity doesn't seem to be any good either, since then they'll just respond with their boilerplate notifying me of what little, standard info that they are required to by law, but that doesn't actually prove anything. The essential issue for me and the reason I'm fighting this is that I've come to fully understand and appreciate how money is created (though the signature of the borrower) and that in essence the bank (original creditor) misrepresented their offer and also failed to provide consideration, both of which invalidate the contract.
So to reiterate my main question, how do folks recommend replying to the DVN, preferably in a way that has s some 'teeth' to it, and will deter the DCA from trying to pursue a claim? Any advice appreciated. thanks.
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