RIGHT TELE. NUMBER wrong last 4 digits & birth date REMOVE OUR TELEPHONE NUMBER
Complaint
BARKERS
Country: United States
PLEASE REMOVE OUR NUMBER 304-768-5440. WE ARE THE BARKERS. THEY ARE LOOKING FOR BETTY SMITH THEY TOLD US LAST LAST 4 SS DIGITS AND BIRTH DATE. WRONGGGGGGGGG PLEASE REMOVE US. I WAS TOLD TO PUT THIS IN WRITING. NORTHLAND GROUP, INC.
7831 Glenroy Road, Suite 350
Edina, Minnesota 55439-3133
Write to them...certified/return receipt requested (Avg @ $5.20) Request they stop calling or contacting you....such as:
"This is to advise you that pursuant to the Fair Debt Collection Practices Act (“FDCPA”) 15 USC §1692c(c), you are hereby notified to immediately terminate any contact with me, or any members of my family or household, regarding any matter concerning the collection of a debt you allege is owed to your company or to your principal/customer/client, or the original creditor noted above. This notice shall include, but is not limited to written correspondence, as well as telephonic communication, which also includes “automated” dialing systems.
I intend to continue to keep a log of any contacts you make with me, especially after today. I am aware that further communications by you will make you liable for sums up to $1000, plus actual damages and counsel fees. You may contact me only by mail to tell me that you are ceasing communications, or, to send the requested validation, once.
Be advised that since I reside at the above address, you are warned that any contact with a neighbor or other person will not be “locator” information and will be considered grounds for legal action against you."
Be sure you include your address (they probably have it already anyway).
They're not likely to be knocking at your door...
If you (do) owe them or someone they have "bought" your debt from, request they VALIDATE the debt...do not admit to anything... sample is:
"Dear Sirs:
In accordance with the Fair Debt Collection Practice Act, §1692g, I hereby request that you validate this alleged debt. The act provides that you shall cease collection of the debt, or any disputed portion thereof, until you obtain verification in accordance with the law. That verification must be in writing and contain a copy of a judgment (if applicable), and the name and address of the original creditor and proper supporting evidence of the alleged debt, including a breakdown of ALL charges such as purchases, interest fees, late fees and all payments and dates of same."
More info: "Section 805(c) -- Ceasing communication. Once a debt collector receives written notice from a consumer that he or she refuses to pay the debt or wants the collector to stop further collection efforts, the debt collector must cease any further communication with the consumer except "(1) to advise the consumer that the debt collector's further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy."
1. Scope. For purposes of this section, the term "communicate" is given its commonly accepted meaning. Thus, the section applies to any contact with the consumer related to the collection of the debt, whether or not the debt is specifically mentioned.
2. Request for payment. A debt collector's response to a "cease communication" notice from the consumer may not include a demand for payment, but is limited to the three statutory exceptions.
7831 Glenroy Road, Suite 350
Edina, Minnesota 55439-3133
Write to them...certified/return receipt requested (Avg @ $5.20) Request they stop calling or contacting you....such as:
"This is to advise you that pursuant to the Fair Debt Collection Practices Act (“FDCPA”) 15 USC §1692c(c), you are hereby notified to immediately terminate any contact with me, or any members of my family or household, regarding any matter concerning the collection of a debt you allege is owed to your company or to your principal/customer/client, or the original creditor noted above. This notice shall include, but is not limited to written correspondence, as well as telephonic communication, which also includes “automated” dialing systems.
I intend to continue to keep a log of any contacts you make with me, especially after today. I am aware that further communications by you will make you liable for sums up to $1000, plus actual damages and counsel fees. You may contact me only by mail to tell me that you are ceasing communications, or, to send the requested validation, once.
Be advised that since I reside at the above address, you are warned that any contact with a neighbor or other person will not be “locator” information and will be considered grounds for legal action against you."
Be sure you include your address (they probably have it already anyway).
They're not likely to be knocking at your door...
If you (do) owe them or someone they have "bought" your debt from, request they VALIDATE the debt...do not admit to anything... sample is:
"Dear Sirs:
In accordance with the Fair Debt Collection Practice Act, §1692g, I hereby request that you validate this alleged debt. The act provides that you shall cease collection of the debt, or any disputed portion thereof, until you obtain verification in accordance with the law. That verification must be in writing and contain a copy of a judgment (if applicable), and the name and address of the original creditor and proper supporting evidence of the alleged debt, including a breakdown of ALL charges such as purchases, interest fees, late fees and all payments and dates of same."
More info: "Section 805(c) -- Ceasing communication. Once a debt collector receives written notice from a consumer that he or she refuses to pay the debt or wants the collector to stop further collection efforts, the debt collector must cease any further communication with the consumer except "(1) to advise the consumer that the debt collector's further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy."
1. Scope. For purposes of this section, the term "communicate" is given its commonly accepted meaning. Thus, the section applies to any contact with the consumer related to the collection of the debt, whether or not the debt is specifically mentioned.
2. Request for payment. A debt collector's response to a "cease communication" notice from the consumer may not include a demand for payment, but is limited to the three statutory exceptions.
Comments
Send your letter indicating they are contacting the wrong person, and that you request that they cease communications as provided for in the FDCPA, but keep it simple, and send it certified, return receipt requested.
If you have further problems, file a complaint with the Minnesota Attorney General and the FTC, and seek out a consumer protection attorney to explore filing suit.