UCC Notice Requirements - Missing Critical Filing Details

It's related to their security interest claim on equipment that overlaps with our collateral. They sent a letter referencing their UCC-1 but no filing details.

That sounds insufficient for proper verification. You have the right to request the actual filing number and details.

Good point about searching yourself. I always verify because I've seen notices that referenced terminated or lapsed filings.

That's concerning - how often do you find mismatches between notices and actual filings?

More than you'd think. Maybe 15-20% of the time there's some discrepancy in dates, debtor names, or collateral descriptions.

Absolutely agree. No filing number = no way to verify their actual security interest status.

Should I go through their legal department or continue with their operations contact?

Legal department if you're not getting cooperation. Document all your requests in writing.

That sounds exactly like what we need - how does the verification process work?

Just upload the PDFs and it cross-checks all the details automatically. Really straightforward for catching name mismatches and document inconsistencies.

I've heard good things about their UCC verification features. Definitely worth trying for complex multi-creditor situations.

So legally they might not be required to give us more, but it's standard practice?

Exactly. Standard practice is to provide enough info for verification, even if not legally mandated.

I feel your frustration. It's like they're hoping you won't bother to verify their actual filing status.

Makes me wonder if there's something wrong with their filing that they don't want us to discover.

EXACTLY! When they're being evasive about basic filing info, there's usually a reason.

Good suggestion - I'll try searching by debtor name and see what active filings show up.

Be careful with debtor name variations though. They might have filed under a different entity name format.

That's reassuring that my instincts are right about this being suspicious behavior.

Trust your instincts. Professional secured creditors cooperate with verification requests.

Agreed. Transparency is standard among legitimate lenders in multi-creditor situations.

Great point about continuations. This could be equipment financed years ago that needs continuation filings.

Definitely check continuation status. That's where a lot of 'priority claims' fall apart under scrutiny.

Exactly. The UCC-1 might look valid but if they missed continuation deadlines, their security interest could be unperfected.

Good advice - I'll send a formal written request with a 10-day response deadline.

Perfect. That creates a paper trail if this escalates to a priority dispute later.

Will do - hopefully they cooperate and provide the filing details we need for verification.

If they keep stonewalling, definitely try that document verification tool I mentioned. Really eye-opening for these situations.