We have a handful of service members which are sending us form letters - monthly - requesting interest rate forgiveness under the SCRA. They are not entitled to protection as all of the debt is pre-service. Additionally, they are claiming protection under state specific state statutes which we have evaluated and deemed NA. Of course, we review, log, investigate and respond to each request which takes time.

Is it acceptable to respond to their requests in a similar manner to FCRA disputes which we deem frivolous (in other words, a letter which says we have previously denied your claim so we're not going to do anything else)?

They are not entitled to protection as all of the debt is pre-service.

Isn't that the debt covered under the SCRA??

I was also under the impression that if they provide you with notice where you can verify they are active service you must adjust the interest rates if they don't already fall within the requirements.