Asset Acceptance has been using overzealous tactics in an effort to collect a debt they say I owe. It started with phone calls at my place of employment. When I asked them not to call me at work anymore they asked for my home phone number. I told them I would not supply that info to them. They said in that case they would continue to call me at work. I asked for a mailing address so I could send my request to them as permitted under the FCA and they told me to find it myself and hung up on me. Well, I did find it and I sent them a Cease and Desist letter. I told them I don't believe I owe the debt to send me proof. Well, their form of proof was a statement on their company letterhead that list MBNA as the original creditor with an amount due showing. Unless I am mistaken, I don't think this is what is meant by Send me proof of debt. I have done my homework on this and if I am correct, this is what I need to tell them to send me. This is exactly as I have worded it in a letter I am going to send out them tomorrow. Please tell me if I did this correctly?
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Thank you for responding to my request for proof and verification of the above referenced account, however the paperwork that you provided me with in not sufficient. An invoice on your letterhead is not the type of proof I was seeking. It is still my position that this is not my debt/account. If you believe otherwise, please supply me with the following information to verify your claim.
1) Proof that I did indeed have an account with MBNA that was actually authorized by me. This proof should include an agreement signed by me acknowledging setting up an account with MBNA and proof that payments were made by me to them. This would include cancelled checks signed by me, money orders submitted and signed by me and/or bank debits authorized by me on an account in my name.
2) Proof that the MBNA sold this account to you and that you legally own it. This proof should include a contract between you and MBNA showing that you did indeed legally purchase this debt from them. Along with a copy of the contract between you and MBNA, I need to see a copy of the cancelled check verifying that you did pay for and purchase this debt from them.
3) Included with the above, I request a list of all creditors, collection agencies, attorney's, etc., that may have owned this alleged debt between the time that the original creditor (MBNA) held the account and the time that you purchased it, if indeed you did purchase it.
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Have I done this correctly? Am I asking the right things in the right wording? I appreciate any help that could be offered on this matter.
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