Should I send a DV or FOAD?

[Amerikaner83]

If this is American Express directly, and not a CA - DO NOT DV THEM! They WILL laugh at your letter and use it to wipe their butts!

No AMEX TL is on my current CRs (TU,EQ,EX).
SOL is 6 years in VA, where I currently live.
SOL is 4 years in TX, where I lived in 2002/2003 (DOLA on 2005 CR)
Which should I use?

When did you FIRST go Delinquent, then never go back current? Use that date. DOLA means NOTHING to you.

[cinnamngrl]

Originally Posted by Amerikaner83

If this is American Express directly, and not a CA - DO NOT DV THEM! They WILL laugh at your letter and use it to wipe their butts!

When did you FIRST go Delinquent, then never go back current? Use that date. DOLA means NOTHING to you.

earlier posts said it was NCI, but the amex logo was on the pasted letter.

[TheLookingGlass]

I used the AMEX logo because it is what is in the letter. It is also the name used on the phone.

The only reason I believe the letter is from NCI, is that a internet search suggests the phone number and address provided in the letter and on the phone are NCI.

I am going to send a DV since it can't hurt, but it might provide me with information. If I use the TL on my 2005 CRs

IF this is the OC, is there a way to compel the OC to provide information to me that gives the amount or Date of first delinquency? So far, I've only been able to definitively determine actions for a CA or JDB. Are OCs exempt from proving their claims?

[cinnamngrl]

Originally Posted by TheLookingGlass

I used the AMEX logo because it is what is in the letter. It is also the name used on the phone.

The only reason I believe the letter is from NCI, is that a internet search suggests the phone number and address provided in the letter and on the phone are NCI.

I am going to send a DV since it can't hurt, but it might provide me with information. If I use the TL on my 2005 CRs

IF this is the OC, is there a way to compel the OC to provide information to me that gives the amount or Date of first delinquency? So far, I've only been able to definitively determine actions for a CA or JDB. Are OCs exempt from proving their claims?

once a collection agency listed on my report as Fleet and told me they were BOA(bought fleet)

[TheLookingGlass]

In the case where an OC bought a CA and collection actions are taking place, what should the debtor do?

If a dunning letter arrives and the sender is treated(by the debtor) like a CA, can the OC ignore the debtors request for a DV? If the sender is treated like an OC, how should the debtor respond to the dunning letter?

[cinnamngrl]

Originally Posted by TheLookingGlass

In the case where an OC bought a CA and collection actions are taking place, what should the debtor do?

If a dunning letter arrives and the sender is treated(by the debtor) like a CA, can the OC ignore the debtors request for a DV? If the sender is treated like an OC, how should the debtor respond to the dunning letter?

If the CA represents itself as a CA and has a CA license then they are a CA. If you receive a letter from a company that represents itself as a different company than the OC, then they are definitely a CA.

my problem was that they listed as the OC on my credit report but all of their letters and communication stated that they were a CA.