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Report: #335511

Complaint Review: NCO Financial - Horsham Pennsylvania

  • Submitted:
  • Updated:
  • Reported By: Torrington Connecticut
  • Author Confirmed What's this?
  • Why?
  • NCO Financial 507 Pudential Road Horsham, Pennsylvania U.S.A.

NCO Financial Unreasonable harrassment "we will call you every day until you pay" Horsham Pennsylvania

*Consumer Comment: John strikes again

*Consumer Comment: John strikes again

*Consumer Comment: Why are you 'updating' a report tyhat's not yours

*Consumer Comment: Why are you 'updating' a report tyhat's not yours

*Consumer Comment: Why are you 'updating' a report tyhat's not yours

*Consumer Comment: Why are you 'updating' a report tyhat's not yours

*Consumer Comment: I gotta ask...

*Consumer Comment: I gotta ask...

*Consumer Comment: I gotta ask...

*Consumer Comment: update

*Consumer Comment: Another thing john

*Consumer Comment: john you don't scare me

*Consumer Comment: Wow, the lies just keep on coming.

*Consumer Comment: You don't scare me john

*Consumer Comment: Um, yeah. We understood that in your other irrelevent post.

*Consumer Comment: Robert... thanks, I should have been more specific

*Consumer Comment: And yet again, you still have not proven anything that you say I may be lying about.

*Consumer Comment: Ignore john

*Consumer Comment: John is the liar

*Consumer Comment: Not splitting hairs.

*Consumer Comment: Surprise, yet more lies.

*Consumer Comment: Ha Ha.

*Consumer Suggestion: Splitting another hair here. Personal debt vs. commercial debt. FDCPA may apply!

*Consumer Suggestion: Splitting another hair here. Personal debt vs. commercial debt. FDCPA may apply!

*Consumer Suggestion: Splitting another hair here. Personal debt vs. commercial debt. FDCPA may apply!

*Consumer Suggestion: Splitting another hair here. Personal debt vs. commercial debt. FDCPA may apply!

*Consumer Comment: Don't listen to john

*Consumer Comment: 'John' the poster right above this obviously works for NCO,or is deluded.

*Consumer Comment: 'Why wont the agencies do anything'

*Consumer Comment: OOOPS.

*Consumer Suggestion: FDCPA inapplicable

*Consumer Suggestion: FDCPA inapplicable

*Consumer Suggestion: FDCPA inapplicable

*Consumer Suggestion: FDCPA inapplicable

*Consumer Comment: Why wont the agencies do anything

*Consumer Comment: NCO IS A SCAM and a FRAUD,plain and simple.

*Consumer Suggestion: Time to sue them

*UPDATE EX-employee responds: Your Rughts May Have Been Violated

*Consumer Suggestion: Lets understand the issues here.

*Consumer Comment: Two ways....

*Consumer Comment: no $

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I terminated telephone services with Choice One Communications for my business because they were unable to provide reliable service. They charged me an exhorbitant termination fee which I refused to pay. NCO Financial began calling my business, and I explained to every representitive that called that I dispute a termination fee for services that were not reliably provided.

I have faxed letters upon the request of NCO Financials agents, sent letter to specific people in their employ, always explaining that I will not pay the termination fee, but will discuss any other fees.

I have been told they will accept half the requested amount, that the termination fees are only a small fraction of the requested amount, and I have been promised itemized bills without termination fees, but nothing arrives.

I now get daily calls despite the fact that all my letter have requested no calls, that all communication please be by mail. I have never received mail. When I ask their representatives their names they will only give first names, and say they will call back tomorrow.

It makes no sense, they are not attempting to collect a debt, they are only harrassing my business. Please help me find a way to stop them.


Compx2
Torrington, Connecticut
U.S.A.

This report was posted on Ripoff Report on 05/29/2008 01:03 PM and is a permanent record located here: https://www.ripoffreport.com/reports/nco-financial/horsham-pennsylvania-19044/nco-financial-unreasonable-harrassment-we-will-call-you-every-day-until-you-pay-horsham-335511. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
0Author
41Consumer
0Employee/Owner

#41 Consumer Comment

John strikes again

AUTHOR: Anonymous - (U.S.A.)

POSTED: Wednesday, June 11, 2008

Why are you updating this report that isn't your's, accept to post more lies about me. Nothing you say bothers me so get over it john.

I have not ever done anything to you, you decided to join the crowd when everyone else was ridculing me. I am not updating this report, Its amazing how people like john has to put me down & say things about me that aren't even true

to a person they don't even know.

John is the one who doesn't tell the truth.

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#40 Consumer Comment

John strikes again

AUTHOR: Anonymous - (U.S.A.)

POSTED: Wednesday, June 11, 2008

Why are you updating this report that isn't your's, accept to post more lies about me. Nothing you say bothers me so get over it john.

I have not ever done anything to you, you decided to join the crowd when everyone else was ridculing me. I am not updating this report, Its amazing how people like john has to put me down & say things about me that aren't even true

to a person they don't even know.

John is the one who doesn't tell the truth.

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#39 Consumer Comment

Why are you 'updating' a report tyhat's not yours

AUTHOR: John - (U.S.A.)

POSTED: Tuesday, June 10, 2008

and never will be no matter how much you try to hijack this and the others you crap in?
You are a fraud and liar as proven many, many, many times.
And again, I am still waiting for this alleged proof you have that I have lied about you or others. Oh, that's right...I'm not as once again proven by your own lies. You just keep walking right into them.
You still never explained which was the lie between the tale about allegedly suing, winning, and collecting money from progressive (without a dime to your name mind you) or the fraudulent report you filed 2 years later saying they ripped you off and none of that ever happened.

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#38 Consumer Comment

Why are you 'updating' a report tyhat's not yours

AUTHOR: John - (U.S.A.)

POSTED: Tuesday, June 10, 2008

and never will be no matter how much you try to hijack this and the others you crap in?
You are a fraud and liar as proven many, many, many times.
And again, I am still waiting for this alleged proof you have that I have lied about you or others. Oh, that's right...I'm not as once again proven by your own lies. You just keep walking right into them.
You still never explained which was the lie between the tale about allegedly suing, winning, and collecting money from progressive (without a dime to your name mind you) or the fraudulent report you filed 2 years later saying they ripped you off and none of that ever happened.

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#37 Consumer Comment

Why are you 'updating' a report tyhat's not yours

AUTHOR: John - (U.S.A.)

POSTED: Tuesday, June 10, 2008

and never will be no matter how much you try to hijack this and the others you crap in?
You are a fraud and liar as proven many, many, many times.
And again, I am still waiting for this alleged proof you have that I have lied about you or others. Oh, that's right...I'm not as once again proven by your own lies. You just keep walking right into them.
You still never explained which was the lie between the tale about allegedly suing, winning, and collecting money from progressive (without a dime to your name mind you) or the fraudulent report you filed 2 years later saying they ripped you off and none of that ever happened.

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#36 Consumer Comment

Why are you 'updating' a report tyhat's not yours

AUTHOR: John - (U.S.A.)

POSTED: Tuesday, June 10, 2008

and never will be no matter how much you try to hijack this and the others you crap in?
You are a fraud and liar as proven many, many, many times.
And again, I am still waiting for this alleged proof you have that I have lied about you or others. Oh, that's right...I'm not as once again proven by your own lies. You just keep walking right into them.
You still never explained which was the lie between the tale about allegedly suing, winning, and collecting money from progressive (without a dime to your name mind you) or the fraudulent report you filed 2 years later saying they ripped you off and none of that ever happened.

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#35 Consumer Comment

I gotta ask...

AUTHOR: Robert - (U.S.A.)

POSTED: Tuesday, June 10, 2008

How's the job at Swift doing?

Tell me again how everyone is ENTITLED to a job.

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#34 Consumer Comment

I gotta ask...

AUTHOR: Robert - (U.S.A.)

POSTED: Tuesday, June 10, 2008

How's the job at Swift doing?

Tell me again how everyone is ENTITLED to a job.

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#33 Consumer Comment

I gotta ask...

AUTHOR: Robert - (U.S.A.)

POSTED: Tuesday, June 10, 2008

How's the job at Swift doing?

Tell me again how everyone is ENTITLED to a job.

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#32 Consumer Comment

update

AUTHOR: Charles - (U.S.A.)

POSTED: Tuesday, June 10, 2008

Anyone who defends these scum bad businesses are deluded, then they call us posters liars & frauds. The only frauds here is john .

Us consumers need to do has much has we can to report these bad business, don't worry about people like john who call us liars & frauds they are the real frauds who defend these scum businesses.

They have the nerve to call us frauds & liars. They didn't experince the rip-off we consumers must fight back agaisnt bad businesses & of course john will be along for the ride.

I have seen him personally attack other people & lie about them just like how him & others have treated me.

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#31 Consumer Comment

Another thing john

AUTHOR: Charles - (U.S.A.)

POSTED: Wednesday, June 04, 2008

Another thing john raptis did give my mothers money back but only half, he let us move in john the payment was not due. Raptis had all this plan to steal $5,000.

Also john we where not evicted we decided to move because raptis was acting crazy well raptis plan did not work to ruin us & steal $5,000. We trusted raptis & he betrayed our trust, & I will never trust another landlord or rent in my lifetime.


This was down right dirty what he done & he think's get got away with it, but I have reported my experince to this website to warn people so they will not become another victim of raptis.

I will not let raptis get another chance to hurt more more.

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#30 Consumer Comment

john you don't scare me

AUTHOR: Charles - (U.S.A.)

POSTED: Wednesday, June 04, 2008

My contract with sprint had already expired, I didn't renew it. I wasted $130 of my own money. Also john I did not break the phone, another lie

Also let me point this out to you again we didn't welch raptis wanted to steal $5,000. I don't care what you say about me john if sprint wasn't going to honor the warranty, so I stopped paying them.

Why this bother you so much john I was not going to continue to pay sprint for a cell phone I could not use. All these cell phone carriers are out to steal from people anyways.


Raptis wanted to steal $5,000 he had this planned well it didn't work, we didn't welch. His plan was to ruin us well it didn't work john. Raptis let us move in before the payment was due on 11/02/2002. Raptis was the theif john trying to steal $5,000.

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#29 Consumer Comment

Wow, the lies just keep on coming.

AUTHOR: John - (U.S.A.)

POSTED: Tuesday, June 03, 2008

'You don't scare me john
You don't scare me john you can say what ever you like.'
>>Aparently not as you cry at the drop of a hat at being exposed.

'You might harass, abuse terrorize, intimate, other innocent victim's on this site & lie about them the way you & other's have lied about me but I don't have to put up with it.'
>>Wow, this is a rela gem here. Again, for the tenth time at least, post the proof of your lies. I, and everyone else, are waiting. You can't so why do you keep lying?

'You need to get you stories strait before you accuse me of anything john, I was not going to continue to pay sprint if they where not going to replace my defective phone so screw them.'
>>My story is straight., YOU signed a contract. YOU welched on the contract. YOU just admitted here again that you have/had no intention of paying the bill. So, this shows yet again that I am posting the truth and you are a deabeat liar.

'Why should I keep paying for a defective cell phone john, which I paid radio shack $130 of my own money for a phone I didn't even know which was defective.'
>>YOU signed a contract that YOU had no intention of paying like any other deadbeat. Just because you don't know how to use a phone or broke the one you had does not mean you can welch on a contract you signed beadbeat.

'No I wasn't going to keep paying them.'
>>Proof again that my statements are true.

'Also about the former landlord john the payment wasn't even due raptis let us move in the payment wasn't even due until 11/02/2002 why isn't this so hard for people to understand.'
>>You welched on rent or you wouldn;t have been evicted. How hard is THAT to understand?

'Raptis just wanted $5,000 & then kick us out on the streets I didn't think so that wasn't welching has you call it the payment wasn't even due.'
>>Clearly it was or you wouldn't have been evicted. Tell whatever lie you want, the facts are the facts.

'He just wanted to steal my mother's $4,000 deposit & try to make her pay another $1,000 so he would have $5,000.

Raptis though he would ruin us put his plan back fired he thought he was going to steal $5,000 but it didn't happen john.'
>>You have to actually have money for someone to steal it, and you don't have any - though you should after welching on everything you ever got involved in. You tried to squat and got caught.

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#28 Consumer Comment

You don't scare me john

AUTHOR: Charles - (U.S.A.)

POSTED: Tuesday, June 03, 2008

You don't scare me john you can say what ever you like. You might harass, abuse terrorize, intimate, other innocent victim's on this site & lie about them the way you & other's have lied about me but I don't have to put up with it.

You need to get you stories strait before you accuse me of anything john, I was not going to continue to pay sprint if they where not going to replace my defective phone so screw them.

Why should I keep paying for a defective cell phone john, which I paid radio shack $130 of my own money for a phone I didn't even know which was defective.

No I wasn't going to keep paying them. Also about the former landlord john the payment wasn't even due raptis let us move in the payment wasn't even due until 11/02/2002 why isn't this so hard for people to understand.

Raptis just wanted $5,000 & then kick us out on the streets I didn't think so that wasn't welching has you call it the payment wasn't even due. He just wanted to steal my mother's $4,000 deposit & try to make her pay another $1,000 so he would have $5,000.

Raptis though he would ruin us put his plan back fired he thought he was going to steal $5,000 but it didn't happen john.

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#27 Consumer Comment

Um, yeah. We understood that in your other irrelevent post.

AUTHOR: John - (U.S.A.)

POSTED: Monday, June 02, 2008

"Ignore john
Just ignore john don't waste your time or day worrying about what he says I don't. I don't have to prove anything to him or anyone else on this site to make them believe my complaints.'
>>You certainly have to make people believe you don't lie. You have been proven wrong time and time again yet you still give out ill advice to people.

'John has made several slanderous comments about me in my complaints & other peoples complaints including this one.'
>>Please post these alleged comments. I have proven my statements with your own statements.

'I just figured the best way is to ignore him he wants to get the best out of you buy up setting you.'
>>But you don't - yet another lie. You just HAVE to respond becuase you are being repeatedly exposed.

'I know he will continue I will just ignore him & his comments he says about me, cause I know the truth & that is all that matters. I am done with him.'
>>No, you won't. Just another lie and point proven for me.
And what happened to your cryfest that you were going to kill yourself? Another lie I see. Didn't get you the attention you so desperately crave. Mommy's looking for you - she needs to snuggle with you in bed. Maybe you'll get lucky again.

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#26 Consumer Comment

And yet again, you still have not proven anything that you say I may be lying about.

AUTHOR: John - (U.S.A.)

POSTED: Monday, June 02, 2008

But I have proven time and time again that I have posted the truth.
All anyone has to do is read your fraudulent reports.
You openly admit you don't want to pay your bills. How am I lying? Those are your own words posted right on this site.
You admitted to welching on a cell phone contract and feel you shouldn't have to pay the cancellation fee that you agreed to when you took the phone so you welched on that. Again, your own words in another of your fraudulent reports.
You didn't pay your rent and got rightfully evicted yet you file a report against the landlord who was in his right to throw you out.
You make posts alleging that they happened to your mother but talk like they are fact and that you were involved and even know the facts. One of those two has to be a lie. Either they happened to you and you are lying that they happened to your mother, or, they happened to your mother and you are lying that you even have a clue as to anything that happened.
You file a fraudulent complaint against progressive in 2007, yet when cornered in the thread by others who know you are lying, you then state that you allegedly did sue them in 2005 and allegedly won yet you filed a report. So which is the lie there? That you didnt get money which you then said you did or you didn't sue them as you had no grounds? One of those has to be a lie.

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#25 Consumer Comment

Robert... thanks, I should have been more specific

AUTHOR: Steve - (U.S.A.)

POSTED: Monday, June 02, 2008

Robert,

Many people say that they are "in business", when in actuality, no REAL / LEGAL *business entity* exists.

If the credit reflects the persons SS# only, it is a personal/individual debt and the FDCPA does in fact apply. At that point it is a PERSONAL debt.

If it is a GENUINE, LEGAL business entity it will have an EIN/TIN, a business license, etc. You cannot LEGALLY be "in business" without those items as a minimum.

That was my point.

Thanks again for your input,

Steve

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#24 Consumer Comment

Ignore john

AUTHOR: Charles - (U.S.A.)

POSTED: Monday, June 02, 2008

Just ignore john don't waste your time or day worrying about what he says I don't. I don't have to prove anything to him or anyone else on this site to make them believe my complaints.

John has made several slanderous comments about me in my complaints & other peoples complaints including this one. I just figured the best way is to ignore him he wants to get the best out of you buy up setting you.

I know he will continue I will just ignore him & his comments he says about me, cause I know the truth & that is all that matters. I am done with him.

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#23 Consumer Comment

John is the liar

AUTHOR: Charles - (U.S.A.)

POSTED: Monday, June 02, 2008

I am not a thief or a liar when anyone stands up to him & his lies he makes slanderous comments like he is doing to me. John is trying to ruin my life & I have not done anything to him.

John is the reason why these crooked businesses get away with treating us wrong he probally works in one of them, john is only hurting himself john thinks he is hurting me but he is only fooling himself.

He tries to slander me anyway he can but I will not keep quiet, john is the reason why these bad businesses get away with abusing consumers.

He works with them why else do you think he defends them & tries to discredit people who files complaints like he is doing to me. I will not let him ruin my life just like how these bad businesses have tried to ruin my life.

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#22 Consumer Comment

Surprise, yet more lies.

AUTHOR: John - (U.S.A.)

POSTED: Monday, June 02, 2008

'Don't listen to john
Don't listen to john he can say whatever he wants about me its not true.'
>>Lie. You indeed welched on rent and a cellphone contract at the least. I'm sure there are more as you are a deadbeat. It's right in your fraudulent reports on this site. Or are you finally admitting that those are a lie?


'It doesn't bother me what he says.'
>>Yes it does as you can;t stand being exposed by anyone for the thief and liar you are.

'These businesses are the theives he tries he best to hurt me.'
>>Just becuase a business won'y give you what you want does not make them thieves. You only hurt yourself.

'Also I hope he knows calling someone a deadbeat he don't know he can be held for libel & slander, well people have said false things about me before.'
>>I can call you a deabeat as proved in your own postings. You will just continue to lie.

'John wants to join in the fun attacking me.'
>>Yes, it is fun proving your lies.


'I don't care what he say's I he or anyone else don't know my situation so john & everyone else, can say whatever they feel like about me its not true.'
>>Another lie. Man, your whole world is nothing but a lie. It's all true and it just eats you up inside that you are exposed for the fraud you are. I'm still waiting for that aleged proof that I lies about other peolle on here. Or even that I lied about you for that matter.

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#21 Consumer Comment

Not splitting hairs.

AUTHOR: Robert - (U.S.A.)

POSTED: Monday, June 02, 2008

The FDCPA is a set of protections for consumer debt.

Section 803 Definitions.

""(5) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes,
whether or not such obligation has been reduced to judgment.""

The SIZE of the business or whether the enterprise in incorporated or not is not the issue. The issue is based on the purpose of the credit-business vs. personal. Commercial debt could be be for a corporation, LLC, DBA, sole proprietorship, etc.

I'm self-employed and I've been self-employed in the past. One of my companies (property management) has ONE employee-me. The other business has 3 full-time employees including myself. Credit established and used for the properties is COMMERCIAL debt and the FDCPA does not apply. Anyone trying to collect a bad debt from my company would in fact have to contact me to attempt collections. Interestingly, I have phone service for both businesses, one line for property and 2 lines for the computer services. In both cases, the carrier issues billing in the name of the business.

I was mistaken before when I missed the business aspect of this report and suggested sueing-for that I apologize.

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#20 Consumer Comment

Don't listen to john

AUTHOR: Charles - (U.S.A.)

POSTED: Sunday, June 01, 2008

Don't listen to john he can say whatever he wants about me its not true. It doesn't bother me what he says. These businesses are the theives he tries he best to hurt me.

Also I hope he knows calling someone a deadbeat he don't know he can be held for libel & slander, well people have said false things about me before. John wants to join in the fun attacking me.


I don't care what he say's I he or anyone else don't know my situation so john & everyone else, can say whatever they feel like about me its not true.

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#19 Consumer Suggestion

Splitting another hair here. Personal debt vs. commercial debt. FDCPA may apply!

AUTHOR: Steve - (U.S.A.)

POSTED: Sunday, June 01, 2008

Here's why.

The FDCPA governs the actions of third party debt collectors that are collectiong from an individual. Notice the wording here. A sole proprietorship can be declared an individual account.

NCO is engaging in collections actions AGAINST AN INDIVIDUAL, as we don't really know the status of the business. Which means that the FDCPA may apply here.

If NCO was contacting a BUSINESS regarding a BONAFIDE business account, the FDCPA would NOT apply.

The OP stated that the phone was used in "business", but was this a sole proprietorship, LLC, or a real corporation?

That was never clarified.

This is why you NEVER speak to ANY third party debt collector / bottomfeeder on the phone!!! NEVER!!!

If you have to, get a restraining order against them. That will make them crazy.

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#18 Consumer Suggestion

Splitting another hair here. Personal debt vs. commercial debt. FDCPA may apply!

AUTHOR: Steve - (U.S.A.)

POSTED: Sunday, June 01, 2008

Here's why.

The FDCPA governs the actions of third party debt collectors that are collectiong from an individual. Notice the wording here. A sole proprietorship can be declared an individual account.

NCO is engaging in collections actions AGAINST AN INDIVIDUAL, as we don't really know the status of the business. Which means that the FDCPA may apply here.

If NCO was contacting a BUSINESS regarding a BONAFIDE business account, the FDCPA would NOT apply.

The OP stated that the phone was used in "business", but was this a sole proprietorship, LLC, or a real corporation?

That was never clarified.

This is why you NEVER speak to ANY third party debt collector / bottomfeeder on the phone!!! NEVER!!!

If you have to, get a restraining order against them. That will make them crazy.

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#17 Consumer Suggestion

Splitting another hair here. Personal debt vs. commercial debt. FDCPA may apply!

AUTHOR: Steve - (U.S.A.)

POSTED: Sunday, June 01, 2008

Here's why.

The FDCPA governs the actions of third party debt collectors that are collectiong from an individual. Notice the wording here. A sole proprietorship can be declared an individual account.

NCO is engaging in collections actions AGAINST AN INDIVIDUAL, as we don't really know the status of the business. Which means that the FDCPA may apply here.

If NCO was contacting a BUSINESS regarding a BONAFIDE business account, the FDCPA would NOT apply.

The OP stated that the phone was used in "business", but was this a sole proprietorship, LLC, or a real corporation?

That was never clarified.

This is why you NEVER speak to ANY third party debt collector / bottomfeeder on the phone!!! NEVER!!!

If you have to, get a restraining order against them. That will make them crazy.

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#16 Consumer Suggestion

Splitting another hair here. Personal debt vs. commercial debt. FDCPA may apply!

AUTHOR: Steve - (U.S.A.)

POSTED: Sunday, June 01, 2008

Here's why.

The FDCPA governs the actions of third party debt collectors that are collectiong from an individual. Notice the wording here. A sole proprietorship can be declared an individual account.

NCO is engaging in collections actions AGAINST AN INDIVIDUAL, as we don't really know the status of the business. Which means that the FDCPA may apply here.

If NCO was contacting a BUSINESS regarding a BONAFIDE business account, the FDCPA would NOT apply.

The OP stated that the phone was used in "business", but was this a sole proprietorship, LLC, or a real corporation?

That was never clarified.

This is why you NEVER speak to ANY third party debt collector / bottomfeeder on the phone!!! NEVER!!!

If you have to, get a restraining order against them. That will make them crazy.

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#15 Consumer Comment

Ha Ha.

AUTHOR: John - (U.S.A.)

POSTED: Sunday, June 01, 2008

''John' the poster right above this obviously works for NCO,or is deluded'

Not at all. Just know for a FACT the charles is a deadbeat and expects everyone/government to bail him out and everyone/thing owes him everything. He readily admits to getting services and welching on the contract just because he can't afford it - which he knew perfectly well before going in.
Just read all his frivolous, fraudulent reports he has against everyone - even the government for something that doesn't even have anything to do with him. He is just a pathelogical liar and was just pointing that out to people who are uninformed such as you.

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#14 Consumer Comment

'John' the poster right above this obviously works for NCO,or is deluded.

AUTHOR: Tony - (U.S.A.)

POSTED: Sunday, June 01, 2008

Maybe he is NCOs pathetic ceo.Or just one of the many felons they hire.Possibly he is just ignorant.Anyhow do not listen to a word he wrote.ANYONE who defends NCO is clueless or criminal ,and not even worth your time reading.I'm confident he will respond to this post.That would be a good thing. NCO possibly be getting a little frightened?Probably not,but well....

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#13 Consumer Comment

'Why wont the agencies do anything'

AUTHOR: John - (U.S.A.)

POSTED: Sunday, June 01, 2008

Because, in most cases like yours, YOU actually owe money and they have done nothing wrong.
Just because YOU don't want to pay your debts that YOU KNEW you could never afford does not make them werong in doing their job.Why wont the agencies do anything

Why wont the agencies do anything to punish nco, there is something going on here why these people are still operating. Why don't the PA attorney general office just file a lawsuit agaisnt them.

'the BBB of new jersey has logged over 7,000 complaints agaisnt them.'
>>Much like your ignorant, lying rantings here, just because there are reports, does not make them true.

'Rip-off report has 330 complaints agaisnt them & they are still in business'
>>See above again. Bottom line is you are a deadbeat thief as proven by your theft of our oxygen and tax money on a daily basis as well as your frivolent reports against many, many companies/agencies that do not agree with you.

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#12 Consumer Comment

OOOPS.

AUTHOR: Robert - (U.S.A.)

POSTED: Sunday, June 01, 2008

I missed the point that the account was for service to a business which makes this commercial debt.

Sorry about that. Disreguard my suggestion to sue them for FDCPA violations.

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#11 Consumer Suggestion

FDCPA inapplicable

AUTHOR: Tim - (U.S.A.)

POSTED: Saturday, May 31, 2008

The FDCPA applies only to consumer debts. It is inapplicable to "commercial" (business related) debts.

That doesn't mean that you can't dispute the debt. And I would recommend sending a final letter to them explaining that you refuse to pay the early termination fees because they breached the contract first by failing to provide reliable service. After their breach, your contractual obligations ceased, including the obligation to pay an early termination fee.

Let them know that you are willing to settle for a reasonable amount, but that if they want their early termination fees, they're going to have to sue, and that you will counter-sue for the economic damages suffered by your business for their failure to provide reliable service.

Best of luck!

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#10 Consumer Suggestion

FDCPA inapplicable

AUTHOR: Tim - (U.S.A.)

POSTED: Saturday, May 31, 2008

The FDCPA applies only to consumer debts. It is inapplicable to "commercial" (business related) debts.

That doesn't mean that you can't dispute the debt. And I would recommend sending a final letter to them explaining that you refuse to pay the early termination fees because they breached the contract first by failing to provide reliable service. After their breach, your contractual obligations ceased, including the obligation to pay an early termination fee.

Let them know that you are willing to settle for a reasonable amount, but that if they want their early termination fees, they're going to have to sue, and that you will counter-sue for the economic damages suffered by your business for their failure to provide reliable service.

Best of luck!

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#9 Consumer Suggestion

FDCPA inapplicable

AUTHOR: Tim - (U.S.A.)

POSTED: Saturday, May 31, 2008

The FDCPA applies only to consumer debts. It is inapplicable to "commercial" (business related) debts.

That doesn't mean that you can't dispute the debt. And I would recommend sending a final letter to them explaining that you refuse to pay the early termination fees because they breached the contract first by failing to provide reliable service. After their breach, your contractual obligations ceased, including the obligation to pay an early termination fee.

Let them know that you are willing to settle for a reasonable amount, but that if they want their early termination fees, they're going to have to sue, and that you will counter-sue for the economic damages suffered by your business for their failure to provide reliable service.

Best of luck!

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#8 Consumer Suggestion

FDCPA inapplicable

AUTHOR: Tim - (U.S.A.)

POSTED: Saturday, May 31, 2008

The FDCPA applies only to consumer debts. It is inapplicable to "commercial" (business related) debts.

That doesn't mean that you can't dispute the debt. And I would recommend sending a final letter to them explaining that you refuse to pay the early termination fees because they breached the contract first by failing to provide reliable service. After their breach, your contractual obligations ceased, including the obligation to pay an early termination fee.

Let them know that you are willing to settle for a reasonable amount, but that if they want their early termination fees, they're going to have to sue, and that you will counter-sue for the economic damages suffered by your business for their failure to provide reliable service.

Best of luck!

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#7 Consumer Comment

Why wont the agencies do anything

AUTHOR: Charles - (U.S.A.)

POSTED: Saturday, May 31, 2008

Why wont the agencies do anything to punish nco, there is something going on here why these people are still operating. Why don't the PA attorney general office just file a lawsuit agaisnt them.

They abuse & terrorize us to try to pay them when we have no money to pay. It is just like how vonage is abusing consumers stealing there money, the BBB of new jersey has logged over 7,000 complaints agaisnt them.

Rip-off report has 330 complaints agaisnt them & they are still in business, why are these bad businesses allowed to continue to be in operation while they are stealing from everybody in america.

How many more people do they have to victimize before the attorney general office of consumer protection steps in & help us.

What do they have to do wait till they get 1000 complaints to see a pattern of abuse, I think 200 complaints is enough to see a pattern for the attorney general office of consumer protection is enough evidence to file a lawsuit agaisnt nco.

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#6 Consumer Comment

NCO IS A SCAM and a FRAUD,plain and simple.

AUTHOR: Taylor - (U.S.A.)

POSTED: Saturday, May 31, 2008

They,NCO would be out of business within 2 weeks if no-one paid them a penny.Unfortunately people do not know this.I do not like using this word,but 'suckers' still pay NCO,and in return their credit actually gets WORSE.Do not give NCO the time of day,and register complaints with the 'Federal Trade Commission".Phone number:1-877-FTC-HELP.Ripffreport is good,but with all the complaints about NCO on it-NCO is STILL in business.Doing things the old fashioned by writing a letter or calling the proper agencies is far more effective against 'dirt' like NCO.

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#5 Consumer Suggestion

Time to sue them

AUTHOR: Robert - (U.S.A.)

POSTED: Saturday, May 31, 2008

You claim to have sent them a "cease communications" letter. If you can PROVE IT (if you sent it certified, return receipt requested) it's time to sue them in District Court for violating the FDCPA.

You shouldn't have any trouble finding an attorney to sue them on your behalf.

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#4 UPDATE EX-employee responds

Your Rughts May Have Been Violated

AUTHOR: Concerned Citizen - (U.S.A.)

POSTED: Friday, May 30, 2008

I was an employee with NCO for several years. The advice you have is correct. Under the FDCPA, NCO can not contact you by phone f you have advised them to stop. If you have proof that you did this, NCO will be liable up to $1,000 per incident. You need to contact them by certifed mail and keep a record of this and any future communication with them. Any subsequent contact by telephone after your request NCO collectors to stop calling will be a violation of the FDCPA and NCO can be liable for damages and fines.

You are not alone. Read my Rip Off Report: "NCO Financial Systems Collection, Agency, Violations, Fair Debt Collections Practices Act, Texas, lawsuit, class action Horsham Pennsylvania"

As I've told other debtors and consumers on this site, your rights may have already been violated and you may have a claim. As the law is on your side, you may be the one ending up collecting from NCO!

I will be glad to answer any further questions you have regarding NCO's policies and procuedres. Feel free to contact me throught this site.

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#3 Consumer Suggestion

Lets understand the issues here.

AUTHOR: Steve - (U.S.A.)

POSTED: Friday, May 30, 2008

We have 2 totally separate issues here from a legal standpoint.

The termination fees from the telephone account you cancelled are 1 issue, and the 2nd issue is the behavior of NCO. You should not mix the issues at hand, as this will cause you problems. These issues are legally unrelated.

You never mentioned how long ago the account was terminated, and the fees applied. This is very important, as the "debt" may be past the legal statute of limitations which would make it legally uncollectable.

NEVER speak to any third party debt collector / junk debt buyer on the phone. This will never create positve results for you, and will in most cases work against you.

Always send a CEASE COMMUNICATIONS request as per your rights under the FDCPA upon first contact by a 3rd party debt collector / bottomfeeder.

Send this request by certified mail, return reciept requested. Be sure to put the certified# on the letter itself, and keep a copy for your records. And, most important, DO NOT sign the letter, or anything you send to a bottomfeeder! It is not uncommon for your signature to magically appear on a contract.

Now, when they violate your LEGAL request, you sue them for up to $1000 in punitive damages plus costs. It's easy money.

Don't get mad, get paid!

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#2 Consumer Comment

Two ways....

AUTHOR: John - (U.S.A.)

POSTED: Thursday, May 29, 2008

First, you can send them a certified letter via return receipt stating: Per the Fair Debt Collection Practices Act, I am requesting that you cease communication's with me

NCO has a habit of not following the rules...

If this doesn't work, when they call, state the following:

This is to inform you that this phone call is being tape recorded. Pursuant to Connecticut state law, continuation of this phone call after being informed that the call is being recorded implies consent to be tape recorded.

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#1 Consumer Comment

no $

AUTHOR: Keith - (U.S.A.)

POSTED: Thursday, May 29, 2008

Do not send them money they'll take it (of course) then "lose it"

FYI, you'll probably not get the info you've requested either.

One quick way to quick some help and thats file a complaint with their states Attorney General. You can do it online, and you will get a reply from them & they will contact nco on your behalf.

Well, I did it and it worked for me

Others here will offer other suggestions.

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