- Report: #146624
Complaint Review: National Financial Action Service - Williamsville New York
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Author Confirmed
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National Financial Action Service
165 Lawrence Bell Dr. Suite 100 Williamsville, 14221 New York, U.S.A.
Phone:
716-565-1020
Web:
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National Financial Action Service This company called me at my work. The first lady that called was very rude and offensive to me. ripoff Williamsville New York
I received my first call from this company at work. The lady was very rude and offensive. She made threats and told me if I didn't pay the amount that her company would start garnishment of my wages. She assured me that there had been a judgement against me and she was just giving me one more last chance.
A week later I received another call from another caller stating that she got me by mistake and really was calling the human resource person about me not to me. I attempted to get HR on the phone and she was out to lunch. I returned back to the phone and the lady said, "Are you Alice?" I can talk to you. You owe us over 9000.00 and are you going to pay the offer of 3700.00. I told her no, I don't have the money. Then she stated you can't come up with 297.00 a month? She said Otherwise you will be paying 450.00 a month due to the judgement and your wages will be garnished. I told her again that I didn't have the money and would she send me a copy of the garnishment against me. She refused to do this. I told her I needed to talk to me lawyer. She told me I had until 3:00 pm to call her back. I didn't call her back.
She called me again the next day and began with the same spill. I told her not to call me again and gave her my lawyers name and number. She said, It won't do any good to file bankrupcy. She then asked to talk to the Human Resources again. She began asking questions about me and of course she gave her no information about me because she had no judgement against me. The lady became very rude with her and asked the number of the Corporate office.
The company made untrue statments that they had a judgement against me and I am not aware of this and they cannot prove this. These people are a ripoff company tryingn to scare people into paying money even if they don't have it. They suggest that you charge the amount to another credit card or take out a loan on your home or they will place a lien on your home etc.
I don't know how people like this sleep at night basing their job off of making other peoples lives miserable. They should find themselves in the same predictiment to be repaid for their rude and ripoff attitudes.
Alice
Oklahoma City, Oklahoma
U.S.A.
A week later I received another call from another caller stating that she got me by mistake and really was calling the human resource person about me not to me. I attempted to get HR on the phone and she was out to lunch. I returned back to the phone and the lady said, "Are you Alice?" I can talk to you. You owe us over 9000.00 and are you going to pay the offer of 3700.00. I told her no, I don't have the money. Then she stated you can't come up with 297.00 a month? She said Otherwise you will be paying 450.00 a month due to the judgement and your wages will be garnished. I told her again that I didn't have the money and would she send me a copy of the garnishment against me. She refused to do this. I told her I needed to talk to me lawyer. She told me I had until 3:00 pm to call her back. I didn't call her back.
She called me again the next day and began with the same spill. I told her not to call me again and gave her my lawyers name and number. She said, It won't do any good to file bankrupcy. She then asked to talk to the Human Resources again. She began asking questions about me and of course she gave her no information about me because she had no judgement against me. The lady became very rude with her and asked the number of the Corporate office.
The company made untrue statments that they had a judgement against me and I am not aware of this and they cannot prove this. These people are a ripoff company tryingn to scare people into paying money even if they don't have it. They suggest that you charge the amount to another credit card or take out a loan on your home or they will place a lien on your home etc.
I don't know how people like this sleep at night basing their job off of making other peoples lives miserable. They should find themselves in the same predictiment to be repaid for their rude and ripoff attitudes.
Alice
Oklahoma City, Oklahoma
U.S.A.
2 Updates & Rebuttals
Paul
Los Angeles,California,
U.S.A.
Play hardball with unscrupulous creditors
#2Consumer Suggestion
Wed, June 22, 2005
Don't let them play these games with you. When you told them you had retained a lawyer and given them the lawyer's number, they IMMEDIATELY are required by law to CEASE all communication with you. All further communication or attempts to collect must go through your lawyer once you tell them you have a lawyer. So they actually violated the law there. It is also against the law to threaten a lawsuit or to imply that a lawsuit or judgment exist when they do no exist, as you state in the original posting. If they say "we will garnish your wages" you might reply by saying "that's for a judge to decide." At any rate you should clearly tell them that you don't wish to communicate with them any more and that they have to speak to your lawyer. Don't affirm the debt, don't deny, don't bargain. Also, ask for the FULL NAME of the person calling you on the phone. Also politely ask her for her supervisor's name and ask to be connected with her supervisor, which they are required to do. Let the caller, and her supervisor (if you are actually transferred to one) know very clearly that you feel they have violated the law (detail the specifics as noted above) and that by doing so they are INDIVIDUALLY liable. In other words, don't let them hide behind their company. You can personally sue any individual that calls you and violates the law by making those sorts of false threats or statements. Tell them you'll give their names to your lawyer. Nothing stops a harrassing creditor in her tracks like getting a PERSONALLY ADDRESSED letter from an attorney. They know their cheezy company will not stand behind them in a case like this, it's too expensive for the company. Another suggestion: When they call, the first thing you say (after you've figured out that it's a collection agency) is that the conversation is being recorded. Even if you're not recording it. This tends to put them on warning to watch what they say.
Bruce
Murray,Utah,
U.S.A.
Ask for proof of the debt. They are trying to scare you.
#3Consumer Suggestion
Sun, June 19, 2005
This company has no interest in talking to your HR dept. They are trying to scare you. If the company "really" had a judgement against you, they would just have your place of employment served with the garnishment notice. You indicated that you have retained legal council. You attorney should be able to write a letter to the collection agency to dispute the debt. That will likely be the end of this. Good luck and please update us.
