Forums
My question is what does "last activity" really mean?
I'm being pursued for a debt of $50, but it is for a parking violation claimed by a parking operations company in Chicago. They sold the debt to a collector in Colorado. The violation occurred on 5/2/2007 at a specified parking lot. However, I wasn't in the city on that date, and have never parked in the parking lot they specified. It is unclear on just how they obtained my license plate.
So is the SOL from the 5/2/2005 or a later date? Can that date be a moving date if the debtors continue to hound me? I know that this is a small amount, but why should I pay for what is not mine?/
parking violation dispute
Hi Higgins,
"Last activity" or the Date of Last Activity is the date when you had made your last payment or when you first went delinquent. From this date of last activity the negative entries will remain for 7 years on your credit report. The Statute of limitations starts from the date of last activity.
Send the collection agency a debt validation letter. You will get a sample debt validation letter with this community. You can use this letter to write one of your own. You need to change the texting of the letter according to your circumstances.
If you can in any way prove that you weren't here on that date, if you can provide any documentation, then it may be much easier to dispute this item.
Hope this helps.
Regards,
Aaron
last activity
Hello,
Last activity is any kind of activity that you did on your account, like making payment on the account, or using to account in any form. The Statute of Limitation (SOL) starts from this date. If you make any payments after your delinquency, the SOL restarts.
However, if an account goes into collection or if gets charged off, SOL does not restart. If the date of last activity gets changed without your consent (account reaging), this is held to be illegal.
Thanks.