Speigel FCNB un-cooperative, put account through to collections agency over 8 years after payment sent was returned, nobody willing to give information OLD BETHPAGE New York

I received a letter from collection agency, NCO Financial Systems Inc over the weekend and called them on 09/22 as I thought there had been a mistake. They state they were collecting account for Capital One, who show last action on account in March 1995.

I called Capital One, spoke to Marcy employee id#65Z9 and Nicholas #8F60, they knew nothing and had to call NCO to find out what I was talking about. NCO Financial advised me that this was originally from Speigel, I then called Speigel Customer Service and was sent through to various people, nobody could FIND any information.

I was asking for verification and paperwork of this amount claimed ($1343.35). I explained to everyone that yes I had at one time in the early 1990's had a Speigel account, and that one month my payment was returned to me by the PO stating "addressee moved, no forwarding address". Sharon said this must have been when FCNB, who had previously handled the credit for Speigel, stopped and Capital One took over. Nobody that I have spoken to at Speigel, NCO or Capital One can give me any precise date on this. Likewise, as I explained to everyone during each of my many calls, I do not remember the amount being anywhere near that much, a couple of hundred at most.

At the time the payment was returned to me, a neighbor studying legal courses had told me that if a payment is sent back to you that technically you no longer owe that debt. However, after receiving the payment back, I never received any communication again from Speigel, and thus believed this to be true, neither from FCNB or - since Capital One took it over from FCNB - from Capital One. 1 and 1/2 hours on the phone and nobody can give me info on this nor provide me with the paperwork, and this is from over 8 years ago. NCO Financial states they think the March 1995 date showing as last activity is when Capital One took over.

I complained to the BBB and they are the ones who gave me the Bethpage address to write to, as yesterday I kept getting "transferred " from one department to the next and everyone claiming not to be able to find this. I have an awful feelign though that this agian will be CApital One, not Speigel company themselves but I will do as they say.

Yes, I would be interested in a class action suit against FCNB and Speigel. I do feel Capital One was negligent in not contacting me at any time prior to giving this account to NCO financial in Aug 2003! As somebody said to me yesterday, how can they harrass you after more than 8 years, that person thought it was illegal after 7 years. I don't know, I have made arrangements to pay a couple of hundred as when they sent the payment back, I think I owed about that much at the time.

Please contact me if there is a class action suit.

Rose
Greenville, South Carolina
U.S.A.

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