NCO Financial Can not receive any kind of statement of debt owed: mean people Philadelphia Pennsylvania
So, I know I owed Cingular Wireless money for a phone bill that I never paid. I contacted them and they said that my account had been sold to NCO Financial. I have never recieved anything from them stating that they now hold my debt.
They started calling in January 04 to the land line that was on my phone account. This is my mothers house, I used only my cell phone so this was the line they used. They call everyday. I called them back. They stated that they had sent out a notice in December 03 when they had aquired the account. I never recieved this notice. I told the rep. this and she said she would request that another would be sent out. Never recived it. Calls kept coming in.
Today,February 16,04 I called again. I told the rep. that I still have not recieved anything and that I will not pay until I have something in my hand saying that they hold the account and the amount due. DShe told me nothing further would be mailed out,"too bad", and that I would have to remit a payment by mail or credit card and after that they would send me reminders.
I feel this is ridiculous. I don't send payments to my other bills (ie car, electric, etc.) without a bill in my hand. And if I request a copy of a bill they qlways send it, even the collection agency that holds my college loan.
They are mean people and are unwilling to help at all. If anyone reads this and can think of someway to help me I would greatly appriciate it.
Erin
Newtown Sq., Pennsylvania
U.S.A.
6 Updates & Rebuttals
Tammy
Reading,Pennsylvania,
U.S.A.
Stop creditors in thier tracks!
#7Consumer Suggestion
Fri, March 05, 2004
You have the right to STOP collection agencies from ever writing or calling you again. The Fair Debt Collection Practices Act contains an empowering tool in for the consumer. By law, a collection agency must stop contacting you after they receive a letter telling them to. The body of the letter should basically read:
You are hereby notified under provision of public laws 95-109 and 99-361, also known as the Fair Debt Collection Practices act, that your services are no longer needed.
Your organization is to immediately CEASE & DESIST all attempts to collect this debt. I will not recognize any collection agency and will deal only with the original creditor (WHOEVER THE CREDITOR IS).
Anthony
Newtown,Pennsylvania,
U.S.A.
Pennsylvania has fairly strict laws when it comes to collecting debts.
#7Consumer Suggestion
Thu, March 04, 2004
If someone calls you to collect a debt, you can specifically tell them never to call you again. If they do, you can recover fairly substantial statutory damages for each call. They are free to send you as many letters as they want, and perhaps telling them NOT to call might get you the letter you need.
Anthony
Newtown,Pennsylvania,
U.S.A.
Pennsylvania has fairly strict laws when it comes to collecting debts.
#7Consumer Suggestion
Thu, March 04, 2004
If someone calls you to collect a debt, you can specifically tell them never to call you again. If they do, you can recover fairly substantial statutory damages for each call. They are free to send you as many letters as they want, and perhaps telling them NOT to call might get you the letter you need.
Anthony
Newtown,Pennsylvania,
U.S.A.
Pennsylvania has fairly strict laws when it comes to collecting debts.
#7Consumer Suggestion
Thu, March 04, 2004
If someone calls you to collect a debt, you can specifically tell them never to call you again. If they do, you can recover fairly substantial statutory damages for each call. They are free to send you as many letters as they want, and perhaps telling them NOT to call might get you the letter you need.
Tammy
Lowville,New York,
U.S.A.
Only one problem with Tammy's suggestion...
#7Consumer Comment
Thu, March 04, 2004
Once an account is sold to the collection agency, it is illegal for the original creditor to take money for it because they no longer owe the bill.
Tammyb
Reading,Pennsylvania,
U.S.A.
NCO buys up accounts for pennies on the dollar
#7Consumer Suggestion
Wed, March 03, 2004
sounds like me...I am suggesting that everyone that has a run in NOT deal with NCO. If you have a bill, send payments directly to original creditors. NCO buys up accounts for pennies on the dollar and then tries to settle those accounts. If we as consumers refuse to do any business with NCO, sighting violations, they will not be able to settle those deliquent accounts. Ban NCO from having successful collections by contacting your creditor and informing them that you will not do business with NCO. If they can't settle accounts, they will not be in business for long.