Complaint Review: NCO Financial Systems

First DO NOT MAKE ANYMORE PAYMENTS. Do not call them. If they call you, get names, note times and dates.

Next you need to copy and send NCO the following letters:
Use this letter and the included form to make the agency verify that the debt is actually yours and owned by you. Keep a copy for your files and send the letter REGISTERED MAIL return receipt requested. AND KEEP THE RECEIPT WITH YOUR COPY OF THE LETTER.

(DATE)
(YOUR NAME)
(Your Address)

(Company Name)
(Company Address)

RE: Account #: xxxx-xxxx-xxxx
(any other account info.)

To whom it may concern:

This letter is being sent to you in response to our recent communications.

This is a notice that your claim is disputed.

Under the Fair Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt.

Your legal staff will agree that compliance with this request under the laws of California and Federal Statutes.

In addition to the questionnaire below, please attach copies of:
1. Agreement with your client that grant you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.

2. Agreement that bears that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities.

3. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the BBB and the State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

I also reserve my right to take private civil action against you to recover damages.


Print or type your name (DO NOT SIGN! THESE MONKEYS DON"T NEED YOUR SIGNATURE)

-----------------------

Debt Validation Form


Questionnaire to be returned:

Account #: ________________________

Original Creditors Name: ________________


Name of Debtor: __________________________

Address of Debtor: _____________________________________________


Balance of Account: _____________________________________

Date you Acquired the Debt: _______________________________

This Debt was: Assigned______ Purchased_______ (Check all that apply)

Please indicate any credit bureaus to which you have reported on this account:
Experian _____

Equifax _____

Trans Union ____
_____________________________________________


If you know that you have paid the account, and it seems you have. I would skip the above letter, and send this C&D letter.


(YOUR NAME)
(YOUR ADRESS)

(Company Name)
(Company Address)

RE: ACCT# XXXX-XXXX-XXXX

To whom it may concern:

You are hereby notified under provision of public laws 95-109 and 99-361, also known as the Fair Debt Collection Practices act, that you are to CEASE AND DESIST from any further collections. I have a right to remain free from intimidating, manipulative and high-pressure tactics, and we will take the responsibility upon myself to protect that right. Note that a copy of this letter and a record of its delivery will be stored. Additionally, note that this letter is admissible as evidence in a court of law and will be used as such if need be in the future. This is your final notice.

Your organization may no longer contact me in any form concerning the above referenced account number. I will only settle this account with the original creditor.

Failure to comply with this law will result in my filing a complaint with the Federal Trade Commission and my state's Attorney general's Office along with the Illinois Attorney Generals Office and the District Attorneys office in your county. I will be detailed and pursue all criminal and civil claims against you and your company. I will also document all contact and record all conversations to enforce these laws.

Please be advised that in any event even if this were a legitimate debt- this debt is barred from collection by the (Your State) Statute of Limitations.(4 Years in most states) (You have paid this account so I would say: "Please be advised that this accounts obligations have been met and settled with the holder." Or use both)

BEWARE: Any further efforts by your firm to collect this unsubstantiated debt, including the sale or transfer of this debt, will result in a complaint filled under the THE RACKETEER INFLUENCED AND CORRUPTIONS (RICO) ACT, 18 U.S.C. 1961-68 (1994)

If your company places any negative credit information with any credit reporting bureau after the date of your receiving this cease and desist letter, I will file a law suit against you and your company for all legal remedies afforded me by law.


PRINT OR TYPE YOUR NAME ( DO NOT SIGN)

I hope this helps. Be sure to mail this by REGIStERED MAIL return receipt requested.

You you need to file a police report, and file with the FTC ( do a google search = FTC). NCO has illegally obtained your credit information, known as " PRETEXTING." Also contact everyone stated in the letters.

Good Luck

My suggentions would be to contact the Consumer Protection Agency in your state. Another solution would be to contact the attorney General Office in your state as well to investigate. If all esle fails, you may want to file a formal compliant of harrassement againt the collection agency. This way, it will be on public record in a court of law, a judge will hear both sides and render a final decision once and for all.