ISLAND NATIONAL GROUP DEBT COLLECTION LETTER ripoff SYOSSET New York
I Have received a letter from the Island National Group informing me that I owe $170.55 on a Fingerhut account that was opened in 1999?
Well, This is definitely Fraud so I did type up a letter as advised on this website and will send it to the Island National Group and see if this letter stops this Illegal activity right Now.
The letter I received from the Island National Group really upset me! I will follow up with this action when or if I get a reply from them concerning that very frustrating letter.
Thanks for all your help!
Peter
SOUTH SAN FRANCISCO, California
U.S.A.
1 Updates & Rebuttals
Steve [Not A Lawyer]
Bradenton,Florida,
U.S.A.
Peter, be careful when sending letters to bottomfeeders
#2Consumer Suggestion
Tue, March 20, 2007
Peter,
The biggest thing to remember is to NEVER sign a letter to a bottomfeeder. The next is to never give them any information they do not already have.
Your signature could end up on a contract. It happens.
These are junk debt buyers that you are dealing with, and they buy very old debts of this type for like 1/10th of a penny on the dollar, and most have little or no documentation with them. Therefore everyone with the same or similar name gets that same collection letter.
It is fraud, but not the kind you are thinking.
You need to send a DEBT VALIDATION request. Send this by certified mail, return reciept requested. be sure to put the certified# on the letter itself and keep a copy for your records. This is essential.
In this letter clearly deny the debt, and DEMAND to see the original signed contract that created the alleged debt, as well as a full account history and itemization of all charges.
By law, they must provide this to you, and they would need all of this in court to sue you and win.
And, once they recieve this, all collections activity must cease until they provide you the requested information.