United Collections Bureau - UCB Blatant Harassment and Disregard for Fair Debt Collections ripoff Toledo Ohio

Simply send a "Cease Communications" letter certified mail return receipt requested to their physical address. Save the green card as proof they received and signed off on your demand.If they call after the date they sign off on the green card, they are in violation. Sample letter below.

_________________

To: UCB
From: Carolyn _____
Date: 5/x/09

I, Carolyn _____ , am not the correct party that your firm has been calling. I am formally requesting that your agency ceases all communications regarding this matter as afforded under the FDCPA both in writing and over the phone.

_______________

It seem like good advice on how to deal with them. what if they harrass you when you are not the person they are looking for? I've told them that they have the wrong number but they keep call at least 3 times a day. they leave messages asking for this person to call back. I call them and tell them to stop calling, they say the same thing that they will remove my number from there data file but they don't because they keep call. What can I do about that?

1) Always demand validation within the 30 day period from date of letter the agency gives per FDCPA law on their initial dunning letter.Preferably wait 20 days to send dispute letter certified mail with return receipt requested. Piss them off by stalling 20 days. Don't send letter immediately.LOL
2) Keep repeating the process everytime your "alleged" account goes to an agency or law firm. Remember consumers, never admit to a debt. On any written dispute, make sure you say "alleged" in reference to the credit in question.
3) If and when it goes to a law firm, the fun begins.
a) Usually, the credit has been sold to several junk buyers and consumers can attack the whole "chain of custody" in court
1) File a motion for discovery and production of documents.
2) Most agency's at this point can't authenticate billing statements of the "alleged debt" from start to finish(original creditor to junk debt buyer to junk debt buyer), hence the case is dismissed.
3) File a court notorized motion for "sworn denial." The sworn denial letter makes the plaintiffs sworn affidavit null and void. It's simple, type a statement that you don't sign off on until you submit your answer to the summons to the clerk at the court house."I deny this is my debt and if it is a valid debt, I deny that this is still a valid debt and if it is a valid debt, I deny the amount of the plaintiffs claim is correct."
4) File a motion for discovery and production of documents. This will force the plaintiffs attorney to dig up years of authentic paperwork from start to finish. It will force each and every junk debt buyer along with the original creditor to fly in a live witnesses which will force the plaintiffs to rack up thousands of legal expenses to verify and authenticate statements from start to finish. Most plaintiffs expect a debtor to bend over and not respond to a summons. This is why so many agencies and law firms sue. They count on you not showing up.
5)Discovery questions to file with clerk within 20-30 day window to answer a court summons. There's many more but here's a few.
1) Do you have authentic statements from date of original contract to current statements of the alleged claim in question?
2) What were the exact dates you owned this alleged claim?
3) Is your live witness an accountant who oversees all alleged claims in your firm?
4) Was your live witness aware of ______'s alleged account at the time you purchased and owned this alleged claim?
5)Since you are not the original creditor, what was the amount you purchased this "alleged claim" for? (usually between 2 and 20 cents on the dollar)
6) Since you are not the original creditor, do you have a written contract with the defendant?
7) Since the alleged purchased amount is far less than your claim, exactly what amount did you purchase this debt from the previous creditor? (again usually 2 to 20 cents on the dollar?
8_ How long has your live witness handled accounting for your firm?
9) So you admit this "alleged claim" for x amount of dollars was purchased at a greatly reduced amount from the previous creditor?
There's many more questions to ask. Good luck to all!

Hey Cliff, your post has all the earmarks of a bill collector regardless of your "neutral stance." Explain this Cliff. If you had a relative that stopped paying their bills years ago and they lived in a state where their statute of limitations is nearly up and they get verbal and written demands from a bill collector... would you advise them to "pay for moral reasons"....or for credit benefit purposes advise them to dispute, challenge, and therefore prevent them from "reaging" their zombie debt. Paying a charged off debt from many years ago not only "reages" and makes an old debt look current (thus dinging your credit score), it renews and extends your states statute of limitations opening and extending an eventual creditor suit potentially. To make a long story short, I've won out of court settlements from FDCPA violating collection agencies now totalling in the 5 figures. I've paid them exactly 0. I'm not an attorney, just a guy who knows how to bait bill collectors less educated and life smart than myself.

ROTFLMAO,

Interesting that just because I suggested that a person should pay their bills I get attacked by another deadbeat.

All this can be avoided by just keeping your commitments like a good responsible American.

I have nothing to do with any collection agency and never have because I have always paid my bills. Try it, your life will be a lot easier.

good Grief!

Steve made valid points for consumers looking to avoid contact. However, with that said, UCB has no legal department with the ability to follow through on their implied threats. Any "implied threat" that a collector cannot follow through on is an FDCPA violation. UCB still seems to be one of the agencies that gets a lot of prime recently charged off paper (6 months of nonpayment). With that said, why do credit card companies continue to give these FDCPA violating thugs first crack at recently charged off debt? No wonder so many banks specializing in credit cards needed a stinking bailout. UCB does not own most of these debts either. They are contracted by ABC credit card for 3-6 months to collect before they get yanked back to ABC credit card. Therefore, they have NO SAY in what the legal status of the debt is, only ABC credit card. I personally have won money from these thugs for violations on my cellphone. Two seperate occasions too. After I won the first time for them leaving on my voice mail misrepresenting statements concerning "legal matter, urgently need to call in 24 hours,etc", they mistakenly put my "alleged account" back on their dialer and the same collectors (many of whom are 20, HS dropouts,etc) left the same illegal messages on the voicemail. Remember, when a collector leaves FDCPA violating messages on voice mail, that whole one party state or two party state consent to tape goes out the window. No consent or permission is needed when a collector is dumb enough to misrepresent themselves on your voice mail. With that said, let them leave messages and never answer the phone. I got paid twice from these scumbags without going to court. Jack Klein is one of their compliance directors. Just ask for him and save tapes of violations to give to him and negotiate an out of court settlement for FDCPA violations.
Again, their collectors are usually very young with at best HS diplomas. They have NO AUTHORITY to determine legal status or threaten lawsuit. Most of these people would flunk 9th grade algebra let alone Law School.

Get real!!! This a bottom feeder collection agency who buy old out of date debts for pennies on the dollar
Oh wait - maybe you work for these scum suckers
Then I suggest you get a REAL job instead of one that threatens people into paying old debts that are uncollectible

You may want to consider paying the bill.

Just a radical thought.

Ok, I'm pretty pissed because I had the same problem months ago ranging from anywhere at June. 08 - Novemer;December 08. About at early December I was EXTREMELY fed up with it, I mean just IMAGINE getting a nasty voice mail everyday asking to call back with so-called "info" from some nasty person?
So I HAD to call them, which kind of scared me. Then I told them to take
my d**n fkin phone number off their database, they said they would and I was happy. Today, I'm f**kin pissed AGAIN, therefore they CONTINUED to send me
nasty and useless voicemails and phone calls, what I'm trying to say
they stopped for a "while" then they started, AGAIN, once again telling me
to call THAT same nasty number I had to last time, "888-300-0449"
from "UCB". I got about 3 pretty little new voicemails from these stalkers, today. By the time I got them, or I started getting them AGAIN it would be
1/9/09 Friday 4:00 PM.

I REALLY didn't want to call these dumf**k idiots AGAIN. So I started searching if there were ANY websites for it, and BELIEVE me, I tried going to
ucb.com, it existed alright and it WAS NOT ANYTHING LIKE THE UCB that was calling me.
BELIEVE ME, on this too when I went to ucb.com and started exploring the website, and I KNEW this wasn't the UCB that was calling, because I noticed a few problems if I was going to accuse innocent people(I won't):

1. UCB.com is a Belgium website not U.S.A
2. UCB that was calling me is some collections agency, and the UCB at ucb.com
was some NEWS reporter job thing
3. The phone numbers weren't the same (duh Belgium; USA)

So, I'm trying to WARN you, the first you call and tell them "hey back off"
they WON'T. They will NOT stop sending you useless voice mails and phone calls,
oh they'll take a rest for a "while" then they'll start again. And like you read above,
UCB.com is NOTHING like 888-300-0449 so I really think these people might
be MAKING up a company name, or either impersonating one another's, that
isn't EVEN from this country, so it is EXTREMELY possible to get these
retards arrested for illegal activity, like impersonating and illegally doing law.
These people won't stop, and they threaten us, just for their own fun,
really it won't be that fun anymore BEHIND THE BACK OF A POLICE CAR, then
BEHING BARS. Good day....
Saalam............

Steve-thank you very much for your insight and assistance. I did in fact file with the FTC as well, and the company I am working with to resolve my debt issues has sent a cease and desist letter. Moreover, I have been contacted by a lawfirm who pursues these matters pro bono on behalf of people whose rights are violated in terms of the FDCPA. The BBB site does provide the name (Elizabeth Duffy) and phone number of UCB's Compliance Director with whom I also filed a complaint against this "manager", though I hold out little hope that anyone will point out to him that he is a complete idiot. She assured me that my work phone number was removed from the database...we'll see...

Tara

Tara,

File a complaint online at FTC.gov EACH TIME they call. Stay off the phone!! Never speak to any debt collector on the phone! NEVER!! It will never do anything positive for you, and will usually just make things worse.

UCB is at the top of the bottomfeeder list. They are true lowlife and parasites. Most of them have drug/alcohol problems and there is a very high turnover rate in that company.

I would immediately file a lawsuit on them for those blatant refusals to comply with the FDCPA. Did you know that you can sue collectors and managers individually as well as the company? Many collectors do not realize this until they are paying me!

You need to send a CEASE COMMUNICATIONS request as per the provisions of the FDCPA. Send this by certified mail, return reciept requested. Be sure to put the certified# on the letter itself, and keep a copy for your records.

If they refuse to give you full names of employees and a physical address, etc. they are in violation of federal law. File a complaint with the police for the harassment, then with your phone co. The phone co will then put a tap on your phone to make a record of the calls that will go directly to the police dept for prosecution.

Here is some contact info on them:
>>
United Collections Bureau
4100 Horizons Drive, Suite 101
Columbus Ohio 43220
U.S.A.
Phone Number:
800-320-7199
>>
United Collections Bureau
Address:
5620 Southwyck Boulevard
Toledo Ohio 43614
U.S.A.
Phone Number:
800-866-6228
>>

I hope this helps!