Southern Cars & Trucks

Dear Ms [redacted] ,Thank you for your letter dated May 23, 2017, and for the letter from "National Asset Management" dated May 16.I note that "National Asset Management" did not respond to my points that I have no debt owed to [redacted] ***, which went out of business in ? They carefully avoided addressing the points that I raised, but continue to make claims that are not true, namely that there is a debt, that they explained their dispute process "on several occasions" (this never occurred) and that I refused to send anything to them (this also never occurred as I stated in my previous email)? I have insisted on the phone that they send something to me in writing, and nothing has arrivedI repeat - nothing has arrivedFurther - if there ever was an alleged debt claimed by a client that is now out of business, the year statute of limitations in NY State has expired? Again, they avoid this important point.Thank you for your help to dateI will be taking this up with the NY State Attorney General to investigate the activities of "National Asset Management." ? Your help in getting something in writing from "National Asset Mangement" is most helpful to this process.Thank you, [redacted] ***

Dear Ms [redacted] ,Thank you for your letter dated May 23, 2017, and for the letter from "National Asset Management" dated May 16.I note that "National Asset Management" did not respond to my points that I have no debt owed to [redacted] ***, which went out of business in They carefully avoided addressing the points that I raised, but continue to make claims that are not true, namely that there is a debt, that they explained their dispute process "on several occasions" (this never occurred) and that I refused to send anything to them (this also never occurred as I stated in my previous email) I have insisted on the phone that they send something to me in writing, and nothing has arrivedI repeat - nothing has arrivedFurther - if there ever was an alleged debt claimed by a client that is now out of business, the year statute of limitations in NY State has expired Again, they avoid this important point.Thank you for your help to dateI will be taking this up with the NY State Attorney General to investigate the activities of "National Asset Management." Your help in getting something in writing from "National Asset Mangement" is most helpful to this process.Thank you, [redacted] ***

RE: Complalint ID *** *** *** and National Asset Management.Attention: *** ***We are in receipt of the complaint filed with the Revdex.com submitted by *** *** in regards to a collection account that was placed in our officeWe have reviewed the account, and the
events occurred as follows:The account was placed with us by our client *** *** *** and a letter was sent to the consumer detailing the account and her rights in regards to the account, including the right to dispute the validity of the debtTwo subsequent letters were then sentThere was no mail returned that would indicate an incorrect address.In March, our research department located a correct phone number for Ms*** and we called her in regards to past due amountThe first time our agents spoke with Ms***, she simply hung up on themThe second time she was politely notified that we have attempted to send multiple letters, which went unanswered, and she was then advised that she has the right to dispute the validity of the debt and request a copy of the original invoice or contract in writing, which she refusedShe was also notified that she has the right to send in writing a cease and desist letter if she wished the calls to stopAgain, she refused.We have advised of her of her rights and all necessary steps that need to be taken to resolve this matterWe have also adhered to all **ws and appropriate regulations under the FDCPA.We hope that Ms*** will also follow through with the appropriate actions to resolve this situation.Regards,Sarah K***National Asset Management

RE: Compialint ID *** *** *** and National Asset Management.Attention: *** ***This is in response to the follow up letter on this complaint dated May 11, 2017.Please note, this is in response to a Revdex.com complaint, and not a validation of a debt, therefore, no details of the account are includedMs *** notes that these details were not included in our initial response, however, the most recent letter, as well as the first letter received by our office specifically noted to leave these details out so as not to identify the consumer.According to applicable law, a notice was sent to Ms*** regarding this account when it was placed with our office and before any phone calls were madeThe phone calls in March were not the first, only the most recent with her current telephone number.Our dispute process was explained on several occasions to Ms***We asked that she send the dispute and request for itemized statements in writing to our office, which could then be forwarded to our client to request itemization or copies of contracts, and she refused.As explained to Ms***, when we receive a written dispute, the account is placed on hold until we obtain validation and send it to the consumerIf the client cannot send documentation validating the debt, the account is closed and all negative credit reporting information removed.As of today, May 16th We have never received anything in writing from Ms*** either requesting validation of the debt, or to cease and desist telephone contact, despite the fact that she has the correct address.Our business address of 6th Stin Ambridge is a correct address and not a churchWe have received the Revdex.com correspondence at this address with no problems.We have been, and are still, more than willing to address this issue and resolve this account by taking the appropriate steps and adhering to all applicable laws that are to protect the consumer and our client alikeRegards,? Sarah K***National Asset Management

Dear Ms ***,Thank you for your letter dated May 23, 2017, and for the letter from "National Asset Management" dated May 16.I note that "National Asset Management" did not respond to my points that I have no debt owed to ** *** *** ***, which went out of business in ? They carefully avoided addressing the points that I raised, but continue to make claims that are not true, namely that there is a debt, that they explained their dispute process "on several occasions" (this never occurred) and that I refused to send anything to them (this also never occurred as I stated in my previous email)? I have insisted on the phone that they send something to me in writing, and nothing has arrivedI repeat - nothing has arrivedFurther - if there ever was an alleged debt claimed by a client that is now out of business, the year statute of limitations in NY State has expired? Again, they avoid this important point.Thank you for your help to dateI will be taking this up with the NY State Attorney General to investigate the activities of "National Asset Management." ? Your help in getting something in writing from "National Asset Mangement" is most helpful to this process.Thank you,*** ***

Re my complaint: ID ***Thank you for speaking with me on Friday, May ? In follow up to the call, you asked for an email regarding my points, please see these belowPlease note that I am returning this letter in writing within the 10-day limit in your letter dated May 1, 2017.In regards to the letter from “National Asset Management” dated April 19, 2017:- ? ? ? ? ? The events claimed in the letter are incorrect? I have asked for a letter from this company on each of the two phone calls I had (March and April 2017) with the anonymous caller from Texas, who claimed to own this company on the March callDespite my repeated requests, the letter you sent is the first time I have seen anything in writing following these phone calls, and it is noteworthy that it is missing key information, namely dates critical to the alleged “debt” and the amount of the alleged “debt.” This information is required to be provided under NY State **wPlease see more details below.- ? ? ? ? ? Under NY State **w, “National Asset Management” should have sent me a statement in writing within days of the first call in March, with details of the alleged “debt” they claim to “own.” ? This is a requirement of NY **w, as of Nothing in writing arrived, despite my clear request that they send a letter with details of the alleged “debt.” Details of NY state **w on this point provided here for your reference: ***New York Debt Collection Regulations***Learn about New York debt collection regulations from the NYC Bar Legal Referral ServiceFind an attorney in New York.- ? ? ? ? ? As per the New York City Bar website (link above) on advice to consumers dealing with debt collection companies, the following quote is relevant: “The debt collector must provide you with information about the identity of the original creditor and an itemized accounting of the debtA new trend is that certain companies are buying debts, and sometimes these debts are very oldYou may not have any recollection of what the original debt was forIf the debt collector does not have this information, they will not be able to comply with the new regulations, so they cannot legally collect the debt.”- ? ? ? ? ? Please note I requested an account of how the $500+ amount of the alleged “debt” was arrived at by “National Asset Management,” and I was told on the phone that no breakdown is available.- ? ? ? ? ? I asked the anonymous caller in April for an address to send a letter to “National Asset Management” to stop calling and to put their alleged “debt” claim in writingOn that call, I was informed by the caller that I “should hang up the call.” I took notes and I was surprised at him telling me to hang up? I refused to hang up, and again asked for the address to write to ??" I was then given the Sixth Street, Ambridge, PA address, which appears on Google maps to be a churchThere is no residence or business with that address evident on a search of Google mapsNote that I never refused to send a letter requesting the calls to stop ??" that claim is also incorrectI requested the address to know where to send said letter.- ? ? ? ? ? On the two phone calls with the anonymous caller from Texas, I was asked to provide a credit card number to pay an alleged “debt” of $500+ immediatelyI asked for a letter detailing this claimed amount of money ? ??" however, ? this has never arrived, and the **ck of a written statement is out of compliance with NY state **w as detailed aboveThe demand for immediate payment of money has been verbal on both phone calls, with nothing in writingAgain, I note that the amount of the alleged “debt” is not included in the letter you receivedPlease see below for possible reasons for this ??" namely that there is no debt, also that if the company is claiming payment for an alleged “debt” from an old and ended gym membership, it is more than years old and under NY state **w, beyond the statute of limitations.- ? ? ? ? ? I asked the anonymous caller calling from a Texas area code on the March call who he was ??" he said that it was his company, and he also said that he had bought the alleged “debt.” ? I asked how he arrived at this idea, as there is no debt, and he ignored my statement, asking again for a credit card number and immediate payment of the alleged “debt.”? My points regarding the fact that I have no debt owed regarding the ** *** *** ***, formerly of *** *** *** *** *** **, follow:- ? ? ? ? ? I was informed on joining the gym in that I could cancel via a phone callThe membership ended about years agoI have not heard from the ** *** *** ***, and they began to go out of business in **te 2011, finally gone completely in as per news reportsThe ** *** *** *** in Rockefeller Center, NY, was sold to *** *** in August 2011, and the ** *** *** *** on Columbus Ave was sold to *** in See here for details of dates of sale of the gyms (I no longer had a membership on either date, but if I had, these sales would have affected it/ended it any way):o ? ? *** to buy L.A.-based *** *** *** *** ***
***
*** *** *** *** **has agreed to sell three Southern California properties and one in New York City to competitor ***A source familiar ...o ? ***- ? ? ? ? ? My home address is more than miles from the locationUnder NY State **w, if a person moves more than miles from a gym location, they can cancel their membership with no penaltyMy address was always more than miles away, therefore I always had the right to cancel the membership with no penalty.- ? ? ? ? ? Under NY State **w, consumer debt statute of limitations is yearsWe are now in May 2017, more than years after the end of the membership and after the statute of limitations has ended.I put it to you that “National Asset Management” acts strangely, calling anonymously after the New York state statute of limitation on any alleged “debt” has ended, neglecting to send anything to me in writing as I requested in both March and April 2017, demanding immediate credit card payment for an alleged “debt” and issuing incorrect statements in a letter to the Revdex.comTheir behavior does not appear compliant with current NY state consumer **w as above.I am grateful to you and the Revdex.com for finally obtaining something in writing regarding this matter because this will allow me to contact the NY State Attorney General and consumer groups in New York to ask for further investigation of this company? I think that there is much that needs investigation to protect consumers

Re my complaint: ID [redacted]Thank you for speaking with me on Friday, May 5.  In follow up to the call, you asked for an email regarding my points, please see these below. Please note that I am returning this letter in writing within the 10-day limit in your letter dated May 1, 2017.In regards to the letter from “National Asset Management” dated April 19, 2017:-          The events claimed in the letter are incorrect.  I have asked for a letter from this company on each of the two phone calls I had (March and April 2017) with the anonymous caller from Texas, who claimed to own this company on the March call. Despite my repeated requests, the letter you sent is the first time I have seen anything in writing following these phone calls, and it is noteworthy that it is missing key information, namely dates critical to the alleged “debt” and the amount of the alleged “debt.” This information is required to be provided under NY State **w. Please see more details below.-          Under NY State **w, “National Asset Management” should have sent me a statement in writing within 5 days of the first call in March, with details of the alleged “debt” they claim to “own.”  This is a requirement of NY **w, as of 2015. Nothing in writing arrived, despite my clear request that they send a letter with details of the alleged “debt.” Details of NY state **w on this point provided here for your reference: [redacted]New York Debt Collection Regulations[redacted]Learn about New York debt collection regulations from the NYC Bar Legal Referral Service. Find an attorney in New York.-          As per the New York City Bar website (link above) on advice to consumers dealing with debt collection companies, the following quote is relevant: “The debt collector must provide you with information about the identity of the original creditor and an itemized accounting of the debt. A new trend is that certain companies are buying debts, and sometimes these debts are very old. You may not have any recollection of what the original debt was for. If the debt collector does not have this information, they will not be able to comply with the new regulations, so they cannot legally collect the debt.”-          Please note I requested an account of how the $500+ amount of the alleged “debt” was arrived at by “National Asset Management,” and I was told on the phone that no breakdown is available.-          I asked the anonymous caller in April 2017 for an address to send a letter to “National Asset Management” to stop calling and to put their alleged “debt” claim in writing. On that call, I was informed by the caller that I “should hang up the call.” I took notes and I was surprised at him telling me to hang up.  I refused to hang up, and again asked for the address to write to – I was then given the 411 Sixth Street, Ambridge, PA address, which appears on Google maps to be a church. There is no residence or business with that address evident on a search of Google maps. Note that I never refused to send a letter requesting the calls to stop – that claim is also incorrect. I requested the address to know where to send said letter.-          On the two phone calls with the anonymous caller from Texas, I was asked to provide a credit card number to pay an alleged “debt” of $500+ immediately. I asked for a letter detailing this claimed amount of money  – however,  this has never arrived, and the **ck of a written statement is out of compliance with NY state **w as detailed above. The demand for immediate payment of money has been verbal on both phone calls, with nothing in writing. Again, I note that the amount of the alleged “debt” is not included in the letter you received. Please see below for possible reasons for this – namely that there is no debt, also that if the company is claiming payment for an alleged “debt” from an old and ended gym membership, it is more than 6 years old and under NY state **w, beyond the statute of limitations.-          I asked the anonymous caller calling from a Texas area code on the March 2017 call who he was – he said that it was his company, and he also said that he had bought the alleged “debt.”  I asked how he arrived at this idea, as there is no debt, and he ignored my statement, asking again for a credit card number and immediate payment of the alleged “debt.” My points regarding the fact that I have no debt owed regarding the [redacted], formerly of [redacted], follow:-          I was informed on joining the gym in 2009 that I could cancel via a phone call. The membership ended about 7 years ago. I have not heard from the [redacted], and they began to go out of business in **te 2011, finally gone completely in 2014 as per news reports. The [redacted] in Rockefeller Center, NY, was sold to [redacted] in August 2011, and the [redacted] on Columbus Ave was sold to [redacted] in 2014. See here for details of dates of sale of the gyms (I no longer had a membership on either date, but if I had, these sales would have affected it/ended it any way):o    [redacted] to buy L.A.-based [redacted]
[redacted]
[redacted]. has agreed to sell three Southern California properties and one in New York City to competitor [redacted]. A source familiar ...o   [redacted]-          My home address is more than 50 miles from the location. Under NY State **w, if a person moves more than 25 miles from a gym location, they can cancel their membership with no penalty. My address was always more than 25 miles away, therefore I always had the right to cancel the membership with no penalty.-          Under NY State **w, consumer debt statute of limitations is 6 years. We are now in May 2017, more than 6 years after the end of the membership and after the statute of limitations has ended.I put it to you that “National Asset Management” acts strangely, calling anonymously after the New York state statute of limitation on any alleged “debt” has ended, neglecting to send anything to me in writing as I requested in both March and April 2017, demanding immediate credit card payment for an alleged “debt” and issuing incorrect statements in a letter to the Revdex.com. Their behavior does not appear compliant with current NY state consumer **w as above.I am grateful to you and the Revdex.com for finally obtaining something in writing regarding this matter because this will allow me to contact the NY State Attorney General and consumer groups in New York to ask for further investigation of this company.  I think that there is much that needs investigation to protect consumers.

RE: Complalint ID [redacted] and National Asset Management.Attention: [redacted]We are in receipt of the complaint filed with the Revdex.com submitted by [redacted] in regards to a collection account that was placed in our office. We have reviewed the account, and the...

events occurred as follows:The account was placed with us by our client [redacted] and a letter was sent to the consumer detailing the account and her rights in regards to the account, including the right to dispute the validity of the debt. Two subsequent letters were then sent. There was no mail returned that would indicate an incorrect address.In March, our research department located a correct phone number for Ms. [redacted] and we called her in regards to past due amount. The first time our agents spoke with Ms. [redacted], she simply hung up on them. The second time she was politely notified that we have attempted to send multiple letters, which went unanswered, and she was then advised that she has the right to dispute the validity of the debt and request a copy of the original invoice or contract in writing, which she refused. She was also notified that she has the right to send in writing a cease and desist letter if she wished the calls to stop. Again, she refused.We have advised of her of her rights and all necessary steps that need to be taken to resolve this matter. We have also adhered to all **ws and appropriate regulations under the FDCPA.We hope that Ms. [redacted] will also follow through with the appropriate actions to resolve this situation.Regards,Sarah K[redacted]National Asset Management

RE: Compialint ID [redacted] and National Asset Management.Attention: [redacted]This is in response to the follow up letter on this complaint dated May 11, 2017.Please note, this is in response to a Revdex.com complaint, and not a validation of a debt, therefore, no details of the account are included. Ms [redacted] notes that these details were not included in our initial response, however, the most recent letter, as well as the first letter received by our office specifically noted to leave these details out so as not to identify the consumer.According to applicable law, a notice was sent to Ms. [redacted] regarding this account when it was placed with our office and before any phone calls were made. The phone calls in March were not the first, only the most recent with her current telephone number.Our dispute process was explained on several occasions to Ms. [redacted]. We asked that she send the dispute and request for itemized statements in writing to our office, which could then be forwarded to our client to request itemization or copies of contracts, and she refused.As explained to Ms. [redacted], when we receive a written dispute, the account is placed on hold until we obtain validation and send it to the consumer. If the client cannot send documentation validating the debt, the account is closed and all negative credit reporting information removed.As of today, May 16th 2017. We have never received anything in writing from Ms. [redacted] either requesting validation of the debt, or to cease and desist telephone contact, despite the fact that she has the correct address.Our business address of 411 6th St. in Ambridge is a correct address and not a church. We have received the Revdex.com correspondence at this address with no problems.We have been, and are still, more than willing to address this issue and resolve this account by taking the appropriate steps and adhering to all applicable laws that are to protect the consumer and our client alikeRegards, Sarah K[redacted]National Asset Management

Dear Ms . [redacted],Thank you for your letter dated May 23, 2017, and for the letter from "National Asset Management" dated May 16.I note that "National Asset Management" did not respond to my points that I have no debt owed to [redacted], which went out of business in 2014.  They carefully avoided addressing the points that I raised, but continue to make claims that are not true, namely that there is a debt, that they explained their dispute process "on several occasions" (this never occurred) and that I refused to send anything to them (this also never occurred as I stated in my previous email).  I have insisted on the phone that they send something to me in writing, and nothing has arrived. I repeat - nothing has arrived. Further - if there ever was an alleged debt claimed by a client that is now out of business, the 6 year statute of limitations in NY State has expired.  Again, they avoid this important point.Thank you for your help to date. I will be taking this up with the NY State Attorney General to investigate the activities of "National Asset Management."  Your help in getting something in writing from "National Asset Mangement" is most helpful to this process.Thank you,[redacted]