Date Received: 2018-10-18
Product: Payday loan debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: On XX/XX/XXXX, I received communication from the company AD ASTRA claiming I have a debt with them. I need the following : Were you named on the original contract with the original creditor?
Do you have a contract between your Ad Astra and me, signed by both parties?
If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me.
It is against the law for a creditor to share my information to any party other than the account holder without my authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft.
Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?
Do you have written consent to collect information about me and to share information about me with the credit reporting agencies – in writing, signed by me?
Even if I checked the box that they could share my information and that they might forward it to a collection company, unless XXXX XXXX XXXX is specifically named in the original contract, I am not liable to them.
Sending old billing statements from a is the same thing is not validation Where is the recorded assignment from the original creditor to them? How much did they pay for my information?
Where is the contract showing that I agreed to do business with Ad Astra Recovery specifically?
73 AmJur 2nd, Sections 90 and 93 state that they can not substitute onto a contract unless they have an interest to protect. That means that they have to be clearly and specifically named on the original contract to have an interest to protect.
While on the phone with this company a representative even stated that I have no contract with Ad Astra.
Company: Ad Astra Recovery Services Inc
State/Zip: MO 631XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3050218
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