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National Enterprise Systems


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Collection Agency
Posted by Lavey on 06/30/2007
The debt was from 2 years ago and this was the first time i was contacted about the $500 i know i owed. I have moved but still have the same phone# that i have had for over 5 years.

Tactics:
1. They called at 8am (earliest by law)

2. Told me that "We have made several attempts to collect the payment due, with no response this is the last time we are going to contact you about this outstanding debt." (i never received mail or a phone call before this one.

2. Threatened me. "If we do not receive a payment today you will receive a order to appear in court."

3. When i told them that i need to speak with my Lawyer before i make a decision, the phone was passed over to someone else.(as if this new person has more knowledge and the gang up on him mentality) Come to find out after my many questions about the company and alternate payment methods they LIED! Then i was informed they would "recommend" that the company that i owe take that action.

4. I dragged my feet in making a decision to pay so they hung up on me, then called me back. (another attempt to get me scared into paying)

5. The only method of payment is to give them your checking account#

In the end i paid the bill but cannot help feeling payment arrangements could have been made.
I did not appreciate their methods.

     
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Posted by *Brenda* on 2007-06-30:
Maybe if you hadn't skipped out on the bill for 2 years they would have made payment arrangements.
Posted by Skye on 2007-06-30:
And they do not appreciate your method of not paying on your debt for 2 years.

I don't think you have a leg to stand on.

JMO
Posted by Anonymous on 2007-06-30:
I don't agree - Collection agencies cannot tell you that unless you pay the full amount right now that you will receive an order to appear in court. Consumers have a right to know and understand what the debt is before agreeing to pay for it, and they also have a right to set up payment arrangements, settle, etc. I would also have asked them to show me proof that they have tried to contact you mulitple times.

Though the OP admits this is his/her debt in this case, there are many situations where the collection agency is wrong and if everyone just paid in full to avoid their threats, how many would be paying for someone else's debt?
Posted by jktshff1 on 2007-06-30:
Gotta agree with brenda and skye
Posted by Anonymous on 2007-06-30:
justcuz has a very good point and people need protection from Collection agencies.
Posted by Skye on 2007-06-30:
Lidman, if people paid what they owe, and didn't ignore a debt, it would never make it to a collection agency in the first place.
Posted by Starlord on 2007-06-30:
Skye, you rock!
Posted by Anonymous on 2007-06-30:
Skye, if people were not misled by easy credit rip-off's and all the other things business do then their would not be a need for Collection agencies, it works both ways. There’s always "dead beats" but if we are going to be realistic then what is the percentage of dead beats to people who are misled and how can we tell the deference?

Just because we can pay our debts doesn’t mean everyone else can that would be narrow minded of us too think just because the collection agencies say it’s so that they are even close to right. They don’t know even what the debt if for and they don’t care either. It would be nice if things were simple but they aren't.

But I do agree with starlord, you rock Skye!
Posted by Anonymous on 2007-06-30:
I don't agree with brenda.
Posted by Skye on 2007-06-30:
I don't have any credit cards. My credit card is linked to my checking account. I refuse to pay back a monthy Visa bill. I have one card, linked to my checking, then my other checking account for bills, and another account for on line shopping.

But hey, that's just me. I understand people need credit cards, but I have always considered them the spawn of the devil.
Posted by Anonymous on 2007-06-30:
I totally agree with your statment and credit cards are the spawn of the devil!

Posted by Anonymous on 2007-06-30:
Not only are many misled by easy credit rip off's, but how about those that get into credit trouble due to loss of job, or medical issues that insurance doesn't cover, if they are lucky enough to have insurance? Are they dead beats too? To assume that someone skipped out on their debt without knowing all of the facts is narrow minded. I would bet that there is not many of us on here that could say we have never been in financial trouble before.
Posted by Skye on 2007-06-30:
Well if someone runs into a financial situation that cannot be avoided, or gets ill, the proper, adult thing to do, is contact the financial institution you owe a debt too, and notify them. To just disregard what you owe, only brings trouble to yourself.
Posted by Skye on 2007-06-30:
Ok, this is getting boring. Later.
Posted by Anonymous on 2007-06-30:
Most people do contact the financial institution and it's long before it goes to a Collection agencie.

justcuz, good points! I guess people would like things to be "black and white" if you know what I mean. It makes life easyer and then no one has to deal with the "gray" area if you will.

But this is why the Collection agencies get away with what they do today....
Posted by Nohandle on 2007-06-30:
I have two credit cards that I use for trips, mail orders or if I make a purchase I think I might return. I pay the bill in full when I receive the statement. Am I better than others or more fortunate? Neither..I just wouldn't put on a CC what I couldn't pay or pay for in the near future. I would do without first. What did folks do before credit cards? They made beforehand arrangements. A need and a wish are two different things.

Lavey, you knew for two years you had a debt and are complaining you are now being contacted and harassed at that? Sorry, but you do not have my sympathy.
Posted by Anonymous on 2007-06-30:
And that is the problem with CC and easy credit rip-off's they tell you that you don't have to pay and that is the lie. I agree with you Nohandle and I think before CC's the thing was "anything worth having is worth waiting for". People fall for these types of scams and think they can just let is go, that's what credit is all about.

I too never buy anything that I can't pay for by the time the bill comes but I am fortunate that way because I worked my butt off to get to that point and did with out until I got here.

However, there are some times things happen that we can't control that’s when normal people get into situations they can't get out of.

I am not talking about this review though because I don't know but what is written.
Posted by Anonymous on 2007-06-30:
I have worked in the customer service industry for too many years to know that good, honest, hardworking people who run into misfortune and cannot pay their debts, have tried contacting their creditors only to be told that any payment arrangements will be on the creditor's terms and nothing else. They don't care about you or me, because at the end of the day, any unpaid debts are tax write offs for them.

I don't know the details of the OP's situation, my point is simply that it's too easy to point fingers and say he/she should have been more responsible.

I do agree however, that credit cards should not be in the hands of those that cannot pay the bill in full each month.
Posted by Nohandle on 2007-06-30:
Agreed Justcuz, but most "good, honest, hardworking people who run into misfortune and cannot pay their debts" don't wait two years and then complain when they are contacted/harassed for payment. They attempt long before that to make arrangements. Some people seem to think the debt will disappear. I'm with Syke, enough on this one.
Posted by Anonymous on 2007-06-30:
Justcuz, I agree 100% and I would just like to add the OP I think was complaining about the way they did it and not that they did it. The bill was paid but your attitude is not nice, therefore you and Skye cannot say anymore on this topic!

"In the end i paid the bill but cannot help feeling payment arrangements could have been made.
I did not appreciate their methods."
Posted by Anonymous on 2007-06-30:
Man can live and satisfy his wants only by ceaseless labor; by the ceaseless application of his faculties to natural resources. This process is the origin of property. But it is also true that a man may live and satisfy his wants by seizing and consuming the products of the labor of others. This process is the origin of plunder. Now since man is naturally inclined to avoid pain - and since labor is pain in itself - it follows that men will resort to plunder whenever plunder is easier than work. When plunder becomes a way of life for a group of men living in society, they create for themselves, in the course of time, a legal system that authorizes it and a moral code that glorifies it. -Frederick Bastiat, Economist, Statesman, Give me control over a nation's currency and I care not who makes its laws.
-Baron M.A. Rothschild
Posted by jktshff1 on 2007-06-30:
OK, if you use credit cards (I'm going to yell), pay your bill, ON TIME, and there won't be any problems.
What part of I owe money and need to pay it on time, according to the terms that I agreed to don't people understand?
Posted by Anonymous on 2007-06-30:
jktshff1, I understand what you are saying and agree to a point. One must look at the big picture to get a sense of what really goes on. It's not black and white; there are many gray areas. If we loose sight of that then when one of us gets into a similar situation, were lost.

Keep an open mind, tahts the trick.
Posted by jktshff1 on 2007-07-01:
Lidman, yea, there are sheep, wolves and sheepdogs. Kinda like to think of myself as a sheepdog? Think about it.
Posted by jktshff1 on 2007-07-01:
Dang! that was supposed to be an exclamation point behind the second sheepdog.
Posted by Anonymous on 2007-07-01:
sheepdog !

There I did it for you and good morning...
Posted by jktshff1 on 2007-07-01:
Thanks lidman!!!
Posted by samuelblueshoes on 2007-07-01:
go to the website www.budhibbs.com there you will find the procedures to file a complaint against them as they are in violation of provisions listed in the fair credit reporting act.they cannot harrass you,threaten you,tell you they are going to take you to court ETC.I have one calling me looking for a James Garris,the man (unknown by me) died over 4 years(according to a friend who knew him) ago but mine is a similar zipcode and similar name so they are phishing for him,I have reported them to the federal trade commission,any phone number I do not know or says unknown,unavailable on my caller I.D I never answer.
Posted by samuelblueshoes on 2007-07-01:
OH! bye the way he did owe a company not a collection agency.the collection agency probably bought a debt already written off by the company for pennies on the dollar and are trying to illegally collect on it.ignore it it's already on your credit report,they will not remove it(as it's against the fair credit reporting act to tell you they will)but will lie to you up one side and down the other to reactivate the debt.
Posted by evilpete on 2007-11-05:
F them. Refuse to deal with 3rd party collection agencies - you don't have to. The original creditors have rights to harass you and depending on the state - to garnish your wages, but if they sell te debt off to a 3rd party.. f them.

Send them a modified version of this:
Dear ___________,
Acct: #________ , name, etc.
Contact info, etc.


1. You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.

2. You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the *** INsert your state here *** Commonwealth of Pennsylvania's Attorney General's office. I will pursue all criminal and civil claims against you and your company.

3. Let this letter also serve as your warning that I may utilize telephone-recording devices in order to document any telephone conversations that we may have in the future.
4. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law.

5. Since it is my policy neither to recognize nor deal with collection agencies, I will settle this account with the original creditor.

Give this matter the attention it deserves!

And have a nice day.

Signature _______________________
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National Enterprise Systems - Mafia - No difference.
Posted by EthicsRNotDead on 12/18/2007
MEDFORD, OREGON -- It is simply amazing what debt collection companies are getting away with these days. Specifically, National Enterprise Systems (aka N.E.S. by it's employees). My wife has a delinquent account currently in their unscrupulous hands. NES has already broken nearly every rule in the FTC book within a few days of getting the account. The hitman...er, agent...has made illegitimate threats, phoned her place of employment repeatedly, even after being told by the EMPLOYER not to do so, excessive rudeness, way more phone calls than any collector I have ever heard of, and we have yet to even SEE a mailing from NES. All against the LAW.

But hey, who is going to punish them? Us?? If we had money to do that, we wouldn't be delinquent in the first place. The feds don't have time, energy or even seem to care. This company has caused my wife (and I) so much stress that she is unable to excel at her work. She happens to be the hardest working Realtor I have ever known, but the difficult market has put us behind the eight ball. I make $50k year, but it is not even enough to cover the mortgage and living expenses anymore. My wife is so good at her job, and you can lead a horse to water, but you can't make them drink. Our credit has been shot (was always over 720 before this), and no more money to borrow is available to us. We have been systematically paying off debts as we can, based off amount owed and current status. So...

Along comes NES. My wife is already stressed to the breaking point, and now I have to consol her teary-eyed on the phone because these "people" have pushed lies upon lies of illegitimate threats upon her, attempting to embarrasss her at work (job well done), and generally acting worse than a mafia extortionist. As close as my wife was to feeling worthless due to these "tactics", how many good, hard working poeple have actually committed suicide due to NES policies? I would bet my life that it is pretty high. Financial stress is not to be taken lightly and I am apalled at the extents these extortionists are allowed to go. I am writing letters and filing official complaints to the FTC and Oregon AG. My wife is actually looking to do quite well in 2008 with her real estate, and we WILL have the capability to sue this organization.

BEWARE National Enterprise Systems, we have a bill in Oregon State legislature (SP120) giving the Attorney General jurisdiction to prosecute you. This is most likely going to happen, and it is NOT an idle threat such as your lies. We will gain evidence of wrongful death of your clients due to your policies.

Yes, Virginia, there ARE morals in this world...
     
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Posted by tnchuck100 on 2007-12-18:
You seem to have evidence that NES has violated several FDCPA regulations. You may be entitled to sue them. However, trying to use wording as "wrongful death" will weaken your position.

You should communicate with NES only in writing. Demand they stop calling you by phone and that all communications are to be via US mail. Send everything certified mail/return receipt requested.

This may help you:
FDCPA (THE FAIR DEBT COLLECTION PRACTICES ACT)
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#807
Posted by jktshff1 on 2007-12-18:
what tnchuck said, but.....
sell stuff, have a carport sale...get a 2nd or even 3rd job...delivering pizzas, fast food..shoveling s**t....been there done that got the t-shirt (thanks dave ramsey).
the OP is responsible for the debt regardless of the economy.
Lots of people are going to be in the same situation because of credit..spending money they didn't have.
Put your money on things going bad, not getting better.
no offense to the OP.
sorry for the rant
Posted by Nohandle on 2007-12-18:
JKT, I thought I was the only one who listened to Dave Ramsey, on my long 10 minute drive from work in the afternoon. He will certainly tell you how to get out of debt if an individual is willing to listen and follow his advice. Ethics, Chuck has given you an excellent site to check out and I also hope DB comes aboard on this one. She can give you additional information on how to stop the harassment since she's been on the collection end of it for a good long while. No matter the reason, I hope you can get your finances in order. You'll certainly sleep better at night.
Posted by jktshff1 on 2007-12-18:
He is on my radio at the office in the pm.
His system works!!!
Posted by DebtorBasher on 2007-12-18:
You don't have to wait until you can afford an attorney. There are attorneys that would gladly take this case for you. They have violated too many FDCPA rules and if you visit my blog, you will find a link on there that will take you to a website with all kinds of form letters that you may find helpful in your situation. The most important being a validation of debt and a letter to stop phone calls ... You said they've never contacted you by mail, they are supposed to contact you by mail BEFORE attempting to contact by phone. It is also very important to keep a record of all phone calls, dates, times and where they call you (work/home) if you're able to get a copy of the phone calls printed out from work would be even better...and a copy of your incoming calls at home or on your cellphone wherever it is they are calling you. When you send them the request to cease calls, and a validation letter, it's VERY important to send them certified with return reciept. Good luck to you and keep us posted.
Posted by Anonymous on 2007-12-18:
EthicsRNotDead, also check out this link, the good guys do win!

http://www.my3cents.com/showTopic.cgi?id=7397&type=Z
Posted by EthicsRNotDead on 2007-12-19:
Thanks for the info. My wife said they started in again at her office this morning and her coworkers and office owner are covering for her. It is very embarrasing and disruptive that they all know about it now and have received calls from NES. This is the first week dealing with NES so we haven't even had the chance to sned a cease and desist letter. I will send it to the Solon, OH address from their website unless someone knows different, since we haven't seen a letter from them yet. We have been at the same address for 3 years so they would have no trouble finding us.

As far as doing something about the bills, yes we are doing everything. I sold everything of value (gun, welder, garage sales, tools, you name it), and we are down to the wife's wedding jewelry and the house, which is of course last to go. My Trooper has a salvage license and the wife's CR-V is worth less than we owe currently. Our 20 year old daughter is helping when possible, but we are trying to keep her in community college while living with us, and my son is still in high school.

I wish I had time for a part time job, but I don't even have enough time as it is to work on the household (4 horses and various critters)after my 8 hour job here. I spent last night repairing the dishwasher. At least I have the ability to do all maintenance necessary instead of paying for labor, but it keeps me busy.

We have managed to make settlements on the larger credit debts (4 accounts), which started at around $5000 each, but after all the ungodly interest and fees went to $10k plus. Between the two of us, we started with around $60k total between credit debt and her car. Our credit report shows these efforts, and my FICA score has been going back up. All our other creditors are being understanding and patient (we DO talk to them all), but these NES people are not even letting my wife speak, and refuse to answer questions such as where to mail correspondence.

I will check out DBs info and let you know where we go with this mess next. By the way, considering how depressed my wife has gotten over this (very guilty personality), I'm sure there are those who take the next step off the ledge and companies like NES are pushing them over. That shouldn't happen. It's just money after all, and that can be fixed.
Posted by jktshff1 on 2007-12-19:
not to make light, but
wouldn't sell my guns
I've been with my dishwasher for over 40yrs..(I do help sometimes).:)
Good Luck
Posted by EthicsRNotDead on 2008-01-02:
We finally got a letter from them and the wife is sending the letter. The agent at NES is starting to get frustrated and is slowing down on the calls finally. Does anyone know how they get paid? I imagine there is a bonus or commission paid for all the money they talk you into sending. Why would anyone behave like that to anyone without a big benefit to their own pocketbook?

By the way, the wife just sold her listing and got another over Christmas that should sell quickly. She is getting busier every day. The sale will close around Feb 13th, so we just have to survive until then...again.
Posted by meanjane on 2008-09-11:
Okay, My calls just started today. Mr.Butt H___ was very rude to my sister. But Before I even get to my story, I'm wanting to know if any of you have ever turned to in to Better Buisness Bureau?
Posted by angryone on 2008-09-16:
I recently have been contacted by N.E.S. who demanded payment of $2500 in a matter of hours. Which was not likely going to happen on my part. Do not be intimidated by these call center collection people who say that they are attorneys. All they do is call, threaten and harrass. I called one afternoon wanting to speak with a supervisor. The lady on the end said that they do not have supervisors there but only attorneys. I spoke with a man by Mr. Price. This unprofessional man started yelling at me as soon as he got on the phone calling me a criminal. For as long as i have been working with attorneys, i have never been able to get one on the phone in a matter of seconds. I dont know what company would waste their money on hiring a bunch of attorneys to sit in a room calling and yelling at consumers. Plus i dont know what attorney would waste their time making phone calls all day. Seems like alot of time and money wasted there. These rude people demanded payment promply without negotiating payment plans. I finally told this lady she can do what she wants and send the judgement to court because its only going to cost them money to file the paperwork and its only going to take more time for us to go to court anyways. When you do go to court the only thing that will happen is you will have to arrange payment plans anyways. Once you fail to make those agreed payments it will be then that your wages will be garnished.
Posted by Bigpunisher on 2009-01-06:
I'll try and keep this short...you can negoiate with these people, and I know they make it hard, but be educated and be professional and you'll get your way.

I settled a $21K debt Citicard for a $8700, which works out to be about 40%. Now I'm not proud that it came down to this, but sometimes you do what you have to do.

Step 1: Document everything, become educated, be polite, and build a rapport of sincerity with your case worker.
Step 2: Don't speak with managers, they will only make you mad as that is their only job is to ridicule you. If I ever see a Mr. Wolfe, its gonna take many police officers with tasers to pull me off of him.
Step 3: Suggest a settlement and stick to the dollar figure (maybe 40-45% of what you owe). They will come up with everything..but stick to the dollar amount.
Step 4: Get a settlement letter from them before you do anything else from here.
Step 5: Send a bank check...never, never, never, send personal check if you don't have the full amount, then they have your bank checking account information. (see below on partial payments)

Things to keep in mind:
- If you don't ever intend to pay, disregard these suggestions
- If you come up with a dollar amount in your head, make sure you can get that amount of cash as once you win the fight and they say ok...you don't want to scramble for the $$$
- One individual who worked there told me a secret that after the settlment letter is agreed to, you can make payments to them and they HAVE to accept them. I would send them certified mail with account number (on settlement letter)
- When I said become educated, I mean it. What helped me is that I checked Craigslist in Cleveland, Ohio and found them looking to recruit people and listed hourly pay as well as bonuses / commissions...that really helped me when I started telling them what they make.
- I was really serious about that Mr. Wolfe comment.

Good Luck
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Bad Customer Service
Posted by on 02/24/2002
SOLON, OHIO -- Glen wooldridge
1412 carey ave.
Davenport, ia 52803
february 24, 2002
national enterprise systems
dear sir or madam: I must dispute the validity of the amount I owe to your company, which you are collecting on behalf of verizon wireless. I really do not believe I owe $1,963.00. Please send me verification of the amount owed to my home address.
Also please tell the representative (a. North) that is handling my account to please stop harassing me. He has called me many times in the same day, and refers to me as a lowlife, which I feel is insulting. We argue on the phone since he is very rude and wont listen to me and loves to interrupt what I am saying, I then tell him not to call back and I hang up and he calls right back. He also told me that he ran my credit report and it showed, I have bad debt, and need to borrow the money from family or friends and get my credit history taken care of. I did not give your company authorization to run the credit report on me, and he never asked anyway. I have told him many times not to call me until I get verification of the amount owed. I have explained to him that I am trying to talk with verizon and trying to figure out how I had three phones in my name that ran up all these bills,($1,963.00 In four months, seems a little outrageous). He even brought up information about debts my mother and grandmother owe, and said that scumbags must run in our family. I asked him to stop calling me, and he keeps calling, he even sends the automated calls to my house 3 or more times per day, I want that to stop. I do not want to talk to him anymore, since he is very belligerent and rude, and tells me his credit is perfect and I need to be like him. I do not want to be like him that would be a downgrade in my personality.
I am willing to pay what I owe, but I need verification from you where the figure came from. I have been making payments to verizon on a monthly basis, for the $312 I thought I owed, but I was laid off and am a single parent, that goes to college to try and make a better life for myself and daughters, but I still send verizon monthly payments. I have offered to make payments of $200-$300 per month after I find out the amount owed is valid which I highly doubt, but the rep said that is not possible and he will just take me to court and take possession of mine and my daughters home, which is not paid off anyway. I can not afford to pay $600 per month and still provide living necessities for my daughter. I have three daughters, one lives with me and I pay $300 per month in state child support for the others, that makes it impossible to pay $600 per month.
Again, please send the information requested with all verification and dates of the amount owed since I do dispute the amount owed and tell the agent (a. North) handling my account to stop calling me, and try to be a little friendlier when dealing with customers, he has no sense of manners.
I admit I have not had the best credit, but I am working on a better way of living, and I am paying debtors on time and in good faith. A. North from your company also told me I should file bankruptcy, but I tried to explain that I want to build good credit, and can not do that by bankruptcy. He will not listen to any offers I make to verify amount owed and then pay monthly, like I said I offered to pay the $312 I knew I owed, but he said �that is not enough, see you in court� then he hung up on me and called back to start badgering me again. People need to survive in this rough economy and I am not a deadbeat, I am just having hard times, and will pay the amount I owe, when it is verified, and payment arrangements are made which I can afford to pay and still support my family. I do not believe I owe $1,963.00 For four months of cell phone use and would like for you to provide supporting documentation.
Sincerely,
glen.Wooldridge
client id: nat18988758
verizon account# 189887588534125


at the very least I would like a response from your company regarding this incident. Thank you for your time.
     
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Posted by Rachel726 on 2007-08-12:
This company is sending automated calls to my house 3-4 times a day. They are looking for someone else who uses our phone number. Cannot reach them to tell them that person isn't at this number, this is obnoxious!!
Posted by edgeofthecosmos on 2007-08-16:
If NES has been harassing you I suggest you contact your local attorney general and FTC. The more people do this the faster this company will go down. I have posted this message on EVERY single post about nes on the internet so hopefully the FTC will get more complaints about these bottom feeders. Also NES has been claiming to sue me for almost a year, yet nothing, a bunch of idle threats. They once called my house over 30 times in one day and continue to call my work EVERY single day, Iam getting ready to file a suit with them.

If you have been harassed please visit this website and submit your complaint. Also, I do not personally owe any debt, the person they are looking for passed away a long time ago.

https://rn.ftc.gov/pls/dod/wsolcq$.startup
Posted by Drew22 on 2008-05-21:
CUBICLE GANGSTERS


I recently worked at this horrible place. National Enterprise Systems is the collection agency from hell. It's the devil's worst nightmare. Employees are trained to collect according to the Fair Debt Collections Practices Act but once on the floor in their respective departments collectors are told to forget everything they learned.

My supervisor, Bryan Howard under the alias of Paul Stevens, regularly provided a second voice to collectors having trouble closing collections. This idiot would identify himself to callers as a federal agent, an NES attorney, etc., anything to try to scare the debtor into paying. He would actually tell debtors and their spouses that a lawsuit had been filed and if the account is not paid by postdated check by a certain time that day a deputy of the court was coming to serve the debtor on his job. I witness this on a daily basis all day long. B. Howard is neither a federal agent, attorney nor any of the other things he claims to be and NES don't sue debtors. All are clear violations of the Fair Debt Collections Practices Act.

Debtors are talked to as if they're inhuman. Even when the debtor is not home the person taking the message is treated like dirt. I will never forgot my supervisor shouting at an 81 year old African-American woman for not getting a pen and paper to take the message. "I DON'T CARE IF YOU ARE 81 YEARS OLD HE SCREAMED AT THE WOMAN." I've witness collectors hollering at kids "GO GET YOUR FATHER."

You are not supposed to talk to spouses—in certain states--about their significant others’ debt unless given permission by the spouse to do so. This rule is ignored at NES. In fact when I left training I put the document about the spouse rule on my cubicle wall to reference only to have it snatched and trashed by Bryan Howard who said I wouldn’t need it.

The owners Ernest Pollack, his wife, and two sons: Scott and pie-faced Chris are well aware of what is going on. These people are hands on owners. They constantly walk the call room floors, note the individual collectors and group collection sales and hear all the violations first hand. The more a collector screams at a debtor the more they like it. People actually clap and cheer when a collector goes off on a debtor. All that concerns these greedy money grabbers is how much money they are collecting at any given time.

Payments are demanded in full although they do offer settlements that are too demanded in full. Money orders and mail-in payments are not accepted, only postdated checks over-the-phone or Western Union Transfers for Citi Bank accounts. Some other creditors do allow NES to also take payment by credit card. For the postdated checks debtors are asked to give their accounting and routing numbers. NES, the scumbags they are, attempts to take the money out before the postdate. Nice company huh!

Collectors and supervisors once provided with bank info by the debtor call banks automated customer service numbers to obtain how much money they have in their accounts. We have their social security numbers so getting info this way is like taking candy from a baby. Some banks have safeguards against this and required you talk to a live person. They also work this wickedness on debtors’ credit card accounts or the credit card accounts of the debtors’ spouse, mother, father, etc. I remember one collector on the phone with a debtor saying “Your Mother Has $7,000 On Her Card She Can Use;” She Can Pay This Debt For You!”

If anyone needs someone who's "been there" in any of their legal actions against this despicable company I’m your guy.

Channel 19 News in Cleveland, Ohio did an investigative report on NES 5-14-08. Check it out at: www.woio.com - once there go to news videos archives.
Posted by djohnson on 2008-12-29:
National Enterprise Systems is calling a phone number that I inherited (from a bankrupt business) 2 times per day and leaving voicemails. When I call 800-507-8403 to discuss an "important business matter with Don Anderson" I only reach people who tell me that I'm a "bored idiot" because my phone number is not in their system. Ok, but if my phone number is not in their system, then why am I getting the calls? Sheesh!
Posted by das61 on 2009-01-01:
this is the worst company I have ever dealt with. N.E.S. has called me at 7:55 a.m. they called my friends house, they call me names and wont give me their phone #. They tell me they are attorneys for the original debtor. They are so illegal. and they wont take payments.
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Confused
Posted by Kris111 on 01/28/2008
Okay, I got myself in this situation and its all my fault yeah. but the thing is I don't know what to do. I'm your typical college student that accumulated credit card debt and just blew off payments. now the collection agency NES is calling me for money. Okay.

From what I read on some complaints here (don't know if they're true or false), NES uses a lot of scare tactics like claiming to sue, which they did to me. But also, whenever I call them they say they'll forward me to someone else and put me on hold, then they hang up. It happened about 8 times already. Sometimes its clearly the same person trying to change his/her voice.

Back on topic, this is the second collection agency. The first collection agency was canceled by Citibank in January this year, so I'm assuming they appointed NES as the new collectors. So they just got the case this month and they are already claiming to sue me. Is that possible?

They're asking for $1,915, which I told the guy I can have by the end of February for sure, but they said no and that legal documents were already sent out to me to go to court.

I was expecting to pay the full amount on jan 29, but I used the money to settle my other card in full today since they cut me a deal. so a check is still going to be charged to my account January 29th for $1,915 and every time I call NES to cancel it they just hang up.

Can anyone help me? Advice for a 20 year old?

     
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Posted by MSCANTBEWRONG on 2008-01-28:
You are in a mess...I've read numerous complaints regarding this company's harrassing techniques and the threatening nature of their calls. Although I don't advocate stop payment on checks, in this case, you may want to consider it. I say this because you indicate in your post that you've tried to contact them to cancel the check and are being hung up on. If they cash the check, it is a form of writing them a fraudulent check and that's going to compound the issue. As a good faith measure, start sending them payments. Get this debt paid off as quickly as possible. They can legally sue you but I doubt they would over this amount of money especially if you attempting to satisfy the debt. Good luck to you.
Posted by Slimjim on 2008-01-29:
Well giving a post dated check then spending the money elsewhere certainly isn't goinmg to go over too well with them. You can stop the check, but if it was done by phone, you won't know the number(they'll pick anything). You are going to have to contact your bank on this and see what they say. The collection agency has your bank account info and your permission to get the $1900+. They are going to keep tapping at it to get it.
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Small Claims Court
Posted by Hardy on 08/09/2007
OHIO -- I recently was contacted by N.E.S. I came on this website, took it for granted that this was a collection agency & not to call them...

3 weeks later, I was sued & ended up in court paying 3x what i originally owed...

** Don't believe everything you read... I thought I could just blow this off, and now they are garnishing my pay checks & I was court ordered to sign over my title to my paid off 98 Corrola...

This is the real deal...
     
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Posted by Starlord on 2007-08-10:
There is not enough information here to base any opinion on. Can you provide some details? Did you owe someone money? What is this website you mention? How did the judge find against you? Did you really just blow this off, thinking that Small Claims Court was some kind of joke? I have had troubles with debts, and can't understand your post.
Posted by *Brenda* on 2007-08-10:
You don't ignore collection agencies if you actually OWE them!

starlord, I think he got a collection letter, came on here and saw other complaints with people telling them to ignore the collection agents then ignored them himself. He thought he could blow off that (obviously large) debt he owed and get away with it!
Posted by Anonymous on 2007-08-10:
I think Brenda has a good point here.
Posted by Anonymous on 2007-08-10:
Yeah Lidman, *Brenda* is right about 95% of the time.
Posted by Anonymous on 2007-08-10:
If you got hit for 3X the judgement, it means it was a 93a action, which is for unfair and/or deceptive business practices. So, you are not telling the whole story here.
Posted by Timboss on 2007-08-10:
Details please. I think people who say to ignore collection agencies mean to ignore their telephone calls for debts that were paid or never owed or too far back, but once you are ordered to appear in court (you must have been notified) you better appear in court.
Posted by edgeofthecosmos on 2007-08-16:
-edit-
Posted by edgeofthecosmos on 2007-08-16:
If NES has been harassing you I suggest you contact your local attorney general and FTC. The more people do this the faster this company will go down. I have posted this message on EVERY single post about nes on the internet so hopefully the FTC will get more complaints about these bottom feeders. Also NES has been claiming to sue me for almost a year, yet nothing, a bunch of idle threats. They once called my house over 30 times in one day and continue to call my work EVERY single day, Iam getting ready to file a suit with them.

If you have been harassed please visit this website and submit your complaint. Also, I do not personally owe any debt, the person they are looking for passed away a long time ago.

https://rn.ftc.gov/pls/dod/wsolcq$.startup

Posted by EthicsRNotDead on 2007-12-18:
Isn't anyone seeing the obvious?... "Hardy" is FROM N.E.S. Nobody would bother calling them "N.E.S." except an employee. Information is lacking entirely. It sounds like an advertisement. Garnishments require losing a court battle and then it can only be up to 25% of the disposable income in most states. Take a look at MY review; National Enterprise Systems - Mafia - No difference.
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