NCO Group contacted me on 7/6/05 to seek payment of $3719.10 for a Chase Providian credit card they claim the account was opened on 3/1/88. I've never had this type of credit card & also filed bankruptcy @ the end of 1992, which went through in early 1993.(Jan. or Feb.)They have called me 4 times total & when I did'nt return thier calls, they sent me a threatening letter demanding money.

On 7/6/05 I was contacted by NCO Group demanding money on a Chase Providian credit card.I told the person I spoke to that I never had one of those
cards.

I was told that the account was opened on 3/1/88 and the last payment made was on 8/17/92.

I was insistant to this person that they were
mistaken & must of had me confused with someone
else.They asked me if the last 4 digits of my SS#
were____and the #'s were correct.I was then asked if I ever filed bankruptcy & told them I did at
the end of 1992 & it went into effect in early
1993.They said they would look into it & get back
to me.

I received another call from them on 7/12/05 at
8:49pm.I did not answer the phone, as I have
caller ID.They left no message.They called again
on 7/13/05 & again left no message.I received
another call on 7/18/05, this time a message was
left.This was the message;'this is Michael Harding.I need you to call me at (800)383-4761.'

It was a very cold message.No mention of 'hi' or 'hello' or what it was in regards to or what company he was calling from.He hung up after that message without any form of 'thank you' or 'good- bye.'

On 7/23/05 I received a letter from NCO Financial
Systems stating that I originally owed $2127.72.
Added interest @ 6%:$1591.38 bringing the total
to $3719.10.They threatened that if I do not
notify them within 30 days or pay in full within
30 days, this info would be reported to all
national credit bureaus, also I would be subject
to further collection.

The letter also states that if I do not respond
in 30 days, the office will assume the debt is
valid.

They sent me no dates or list of transactions or
payments yet wrote that if I respond in the 30
day period, they will 'obtain verification of the
debt or obtain a copy of a judgement & mail me a
copy.If I request this office in writing in 30
days the office will provide me with name/address
of original creditor, if different from current
creditor.'

I've never received any requests regarding this
alledged balance in the past & wonder why 12 yrs.'later this has come about.I now have an excellent credit report, my bankruptcy has been removed and I just took out a home improvement loan a year ago and this info was not on my credit report.I believe this is a scam & I plan
on sending them a brief note telling them that I know nothing of this situation& unless they can provide me with proof(in writing)including dates, transactions,payments,etc., I will not put up with this nonsense.I also am requesting that they commmunicate with me through US Postal only and for them not to call my home.I am on disability and therefor, I do not work or have any other phone # for them to call me on. Can you help me with this situation,i.e.;my rights & privacy protection?

I have done my homework and know that bankruptcy
is removed from credit reports after 10yrs. Negative credit is removed after 7yrs. I look forward to hearing from you & I stumbled across your web site by accident, but the stories I've read from consumers that have emailed you have given me confidence that you may be able to help me with this, even if it's to add another
Rip-off Report about NCO. Thanks for taking the time to read this.It means alot to me & I am more than willing to supply you with any additional info you may need.

Donna
Lynn, Massachusetts
U.S.A.

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