Two OCs (same bank) sent my alleged debt to CAs to get me to pay (payment was still to OC.) I DVed the CAs who kicked it back to the OC without ever validating (not legal in my state but that is another story). OC sent me two letters for each: one telling me I owe based on applications/terms I signed on such and such a date, and a second one telling me they cannot find the originals that I signed back on such and such a date. I did come across one case in my state where they could not enforce the interest or late charges because the original was lost, but would like thoughts from legal brains on this.
I have ITS the CAs for numerous violations of state and federal collection laws as well as the TCPA. I am debating court or arbitration at this point (they will owe more in TCPAs than I owe them, as of today the ITS have been blown off even with a ready to file complaint in them.) However I have two more OCs that I allegedly owe and it seems that no one has paperwork I signed. Is this a defense that works? How can they prove a "we can do what we want, at will" if they don't have anything on file? These are cards that have been dormant for years (ratejacking forced me to cut and forget them.)
I have ITS the CAs for numerous violations of state and federal collection laws as well as the TCPA. I am debating court or arbitration at this point (they will owe more in TCPAs than I owe them, as of today the ITS have been blown off even with a ready to file complaint in them.) However I have two more OCs that I allegedly owe and it seems that no one has paperwork I signed. Is this a defense that works? How can they prove a "we can do what we want, at will" if they don't have anything on file? These are cards that have been dormant for years (ratejacking forced me to cut and forget them.)
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