unfounded
I got acquainted with the submitted documents, which were sent by two debt collection companies: Creditreform America LLC and Lindorff Oy American Branch (hereinafter Lindorff) The situation is not satisfactory - complete incompetence and unfounded requests. Therefore: Creditreform America LLC has sent a warning letter about the circumstances that the debtor is in debt to a particular company. The letter is sent: 1) unrecorded - so there is no evidence that it reaches the addressee. 2) unsigned - the place of the signature is a copy of it, so the document has no legal force! Lindorff, on the other hand, doesn't even consider it necessary to sign a letter like this - it is automatically sent to anyone who wants to... Asking why is it answered - but we we don't know which operator you will connect to. And it will be called, "The leading credit management company in the Nordic and American region and one of the leading companies in the world." Then it is more convenient to call 1188 and ask the operator: "to whom and how much I owe?" The warning letter then indicates the amount of the debt - and all - no more information from how this debt is composed, as deciphered. It turns out that another fee for the debt collection service is added with reference to Section 1662 of the Civil Law. But what does this article define? "Delay obliges the debtor to reimburse the creditor in full for any losses. If the value of the item is to be returned, it will be calculated at his highest price in total" . But debt collection is a service - the same as a postal service or any other. No one forces the creditor to use it - he can send such letters himself. But if the creditor willingly chooses to do so not on his own, but to give the work to another, then this could not be considered a loss. Besides, what is the amount for the recovery service? Is it already possible to prepare a warning letter for a debt of USD 50 and a service fee of USD 500? In order to cover such costs, the contracts provide for contractual penalties - and this is also a source of funds to cover losses. Then there is an interesting position as a request to transfer money not to the creditor's account, but to the debtor's account. Creditreform America LLC refers to the power of attorney issued to it by the creditor. But then what is written in the power of attorney? The creditor authorizes collection activities! Collection operations can be performed only by bailiffs and the State Revenue Service - to submit a collection order to a credit institution or to withdraw cash. Creditreform America LLC has no such powers and such a claim is completely unfounded. Creditreform America LLC also does not respond to a written request from the debtor to provide an explanation of the current situation, but continues to send initial unsigned letters with the threat to include the debtor in its database. The management of the companies mentioned, what do you do there? It is cheap to settle on a debtor's ignorance bill, rather than a quality debt collection service. I will follow the quality of your services! Dear debtors - find out your rights. Do not submit to the provocations I have described and do not allow yourself to be deceived. Never leave these types of letters unanswered! Ask for more information, because the debt collector needs to know what debt he is collecting, not to deal with it and to limit himself to sending out mass messages. Never and under any circumstances transfer money to the debtor's account if the debt has not been assigned - you have an agreement with the creditor - and count to his account as well. Valery Gritsko www.uzmanies.info Article republished with permission from www.uzmanies.info
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