So I have been sent a pre-legal notification from MCM. I have done a lot of reading and see that this is one of the scare tactics that they use to get payment. I am not being sued and this is from MCM and not an attorney based in my state(South Carolina). Should I send a DV letter to them.
On the bottom of the pre-legal notification it says that I may request the following information in writing and the same will be provided to you at no cost within 30 days of receipt of your written request: 1) An account statement or complete transactional history, as applicable, reflecting your name, the last four digits of the account number at t he time of charge-off, and the charge-off balance and/or claimed balance, excluding any past charge off payment; 2) A listing of all prior owners of this account and transfer information; 3) Documentation evidencing the transfer of ownership of the account to Midland Funding; 4) An account statement or complete transactional history reflection purchase, payment or other actual use of the account or a signed document reflecting the opening of the account at issue, 5) an explanation of how any amount we are seeking to collect in excess of charge-off was calculated; and 6) If applicable, the terms and conditions applicable to the account.
With the amount of detail should I assume that they do in fact have all this information on me or should I send a letter and see what they send back? I will post a template that I found in a second post to get some opinions on that template.