NCO Financial
507 Prudential Rd
Horsham Pennsylvania 19044
U.S.A.
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NCO Financial Harrassment and no proof of payment Horsham Pennsylvania
1Author
3Consumer
0Employee/Owner
I recieved a letter from NCO financial last Jan 2007 in regards to a Bank of America Credit Card. I owed about 15,000 of bad debt. They told me that if I paid them 9,000 that day that they would charge off the rest and the account would be settled. So I did that. They never sent me proof of my payment or confirmation that the account was settled. I ran a credit report and found that Bank of America showed that I still owed 6,000.
I called NCO and they told me that they would send me a ltter in the mail...I never recieved a letter so I called them again. I actually called them multiple times. I asked them to fax me a copy of the letter. They told me that something was not working at my end of the fax machine because it would not go through...Every time I called they got more rude on the phone. I was frustrated.
I decided I was going to call and ask them who my lawyer should contact. I spoke with a supervisor who kept cutting me off and then proceeded to yell at me telling me that there was no need to be rude to her. I never raised my voice or said anything rude. My coworkers could hear her voice coming through the phone. It is now Sept 2007 and I still do not have this letter. I have now contacted a lawyer to see what I can do....
~ completely frustrated and annoyed!
Kerry
Springfield, Massachusetts
U.S.A.
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REBUTTALS & REPLIES:
1Author
3Consumer
0Employee/Owner
Updates & Rebuttals
#1 Consumer Comment
AUTHOR: John - Louisville (U.S.A.)
SUBMITTED: Monday, September 17, 2007
POSTED: Monday, September 17, 2007
If you pay a collection agency ALWAYS get the terms in WRITING prior to giving them one cent. Do not accept ANY "settlement" offer over the phone without FIRST getting the terms in writing.
A simple Google search for "NCO" would have brought up pages and pages about what a sleazy and deceitful firm this is. NCO received the largest fine EVER from the government for violating Fair Debt Reporting Act laws.
#2 Consumer Suggestion
AUTHOR: Robert - Buffalo (U.S.A.)
SUBMITTED: Thursday, September 20, 2007
POSTED: Thursday, September 20, 2007
Your situation is another example of why I recommend that folks NEVER reach any type of settlement with debt collectors - always negotiate settlements with the CREDITOR. Further, you want any settlement in writing to include a statement to the effect that the debt is ABSOLVED after receipt of the settlement amount. You want this written agreement, including the statement if absolution, before you send anyone a dime!
The only thing one needs to do with collection agencies is demand validation of the debt to discover who the current creditor is and negotiate directly with the creditor. The demand for validation must be in writing to establish non-compliance if they refuse to validate.
All communication should be in writing - preferably by return receipt requested certified mail.
#3 Consumer Suggestion
AUTHOR: Robert - Buffalo (U.S.A.)
SUBMITTED: Thursday, September 20, 2007
POSTED: Thursday, September 20, 2007
Your situation is another example of why I recommend that folks NEVER reach any type of settlement with debt collectors - always negotiate settlements with the CREDITOR. Further, you want any settlement in writing to include a statement to the effect that the debt is ABSOLVED after receipt of the settlement amount. You want this written agreement, including the statement if absolution, before you send anyone a dime!
The only thing one needs to do with collection agencies is demand validation of the debt to discover who the current creditor is and negotiate directly with the creditor. The demand for validation must be in writing to establish non-compliance if they refuse to validate.
All communication should be in writing - preferably by return receipt requested certified mail.
