I have been following the e-mails about this company and I felt compelled to let you know my situation. I received 2 letters from this company one about a Fingerhut bill dated 7/22/96. The last payment amount that is listed is 12.66, however the payment they are asking for is 126.60. On this letter it is stated that they are my new creditor
The second letter is for a Citibank credit card in the amount of 1,833.84. Here is the kicker they have listed a partial SSN on the letter with the first two numbers and the last two numbers. And they start out their letter with "As you recall..." As if we had been in communications before. Notice that the date is not on this letter.
I have learned a one thing about about junk debt buyers, they really hope that you are stupid. Please get to know the consumer protection laws of your state and the laws regarding proper collection of debt. These will save you, in the long run.
Now for the folks that got the Fingerhut letters notice that they announce that they are your new CREDITOR. Under the law FDCAP (I hope I got the intials right) you can not exercise your rights if the communication if from the original creditor. However, you can exercise your rights if the communication is from a 3rd party debt collector. Which these folks are. They hope to have you confused.
If any of you guys have received a letter like my Citibank letter, with the partial SSN, please contact your states attorney general and the FTC. Think Identity Fraud!
Lastly, always keep your original envelopes, because if you will notice on the envelope you can not see the post mark date and even though you may have physically receive the letter in April, the date maybe sometime in March, as my two are. This is an attempt to get you to run down the time on the 30days you have to respond.
Please stand up for your rights and demand better treatment. Also, be careful what you post on these websites, because I am sure that they are watching
Peace and blessings
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