Okay, I see that a lot of people are having problems with NCO, so I thought I'd offer some help since I work there. First of all, all the people that work there are not scum of the earth. We're just trying to get people to pay their bills. We're not considered customer service. It's collections. If we're calling your house for your debt, we just didn't pull it out of anywhere in the sky. The creditors were collecting for send your debt to our office. If you don't answer, we'll keep calling. If you pay your bills we will stop. That simple. Also, if you're really hell bent on us not calling you, tell us to cease all contact by phone.
Also, we can't read minds, so if you don't tell us we have the wrong number, we'll never know. If you're not the debtor then tell us to stop calling and remove your number. I see people are worried about it going on their credit report. You have to make special secured arrangements if it's in the right time period to keep it from going on there, and you have to ask for it. All parties have to agree with the arrangement. Also if you need a receipt, we don't send out paid in full letters. We have a website where you can access your acct and print out your receipt.
The website is on the letter we send you with your web access code or you can get it by calling, so you don't even have to talk to us, or call back after 30 days and request a letter be sent to you after all gets processed. Finally, if everyone knew what crap we did have to put up with all day, you probably wouldn't be the nicest bill collector either, although I personally try to give all the respect one deserves, just like I would like if someone called me. You really can't expect someone to listen to you if you're screaming in their ear. I understand that. We get screamed at, lied to, and hung up on all day long, and we get tired of calling you too, just like you hate hearing from us.
This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (FDCPA), to cease all communication with me in regard to the debt referenced above. If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the States Attorney General office and/or the American Collectors Association or local State Bar Association.
I/We have decided that we do not desire to work with a collection agency under any circumstances. I/We will contact the original creditor to resolve this matter directly, as circumstances warrant. You are also notified that should any adverse information be placed against my/our credit reports as a result of this notice that appropriate actions will be taken. Give this very important matter the attention it deserves.
NOTE: This is an attempt to make a debt collector obey the law. Any information obtained will be used for that purpose. File a legal complaint for harassment Gov official (even P.O. or local police). I know how upsetting it is. I've been getting calls for 3 months. If you do answer tell them that you are taping the call. Whatever you do make them tell you..do not give them any info, not even your name. Good luck.
COLUMBUS, OHIO -- NCO contacted me about my student loan. I agreed to their settlement offer because I wanted to be done with the mess. Then the rep said that the settlement could not be approved and upped it another couple hundred dollars. Also she said I had to pay it in full on that day to get the settlement. I could not pay it in full that day. They said I had to make a payment that very day and also demanded more that very day that I could pay them. I could not pay that high an amount so they took a lesser amount.
I made the initial payment, and then I was to settle with three more payments in three months. The first two months I paid roughly $2000 each time. My final payment, according to their own letter, for $500. But the letter that they sent me a few days before my final payment, now stated $550.
When I called the company, the rep I finally spoke to spoke to fast, did not listen to me, and was rude. I asked to speak to a supervisor and was told a supervisor did not come in until 11. I said I would call back then to speak to a supervisor and ended the conversation. Just a few minutes later the same rep called me back and I said I was not discussing it anymore, that I would call back and speak to a supervisor. When I called back, I was never connected to a supervisor. When I called back again and requested the fax number, figuring, I'll fax in my statement and offer, I was put on hold for a ridiculous period of time - just to get a fax number.
This is my second dealing with NCO, and each time they have come back and increased their original settlement offer, saying I was no longer qualified for the lower amount and the supervisor would not approve it. I would suggest to counteroffer what they offer with a lower amount, because they are going to raise their offer, even if you accept their offer. They say, "OK I will get this approved" and then come back and tell you the settlement was not approved, and now you have to pay a lot more. They lure you in with a lower settlement offer and then raise their demands. This seems to be deceptive.
Note to approver:
Already published in www.insidearm.com, https://www.usconsumerprotection.com, and gettheskinnyoncos.blogspot.com. It is also a news article, not a consumer review.
NCO Group Expands into Latin America with Acquisition
December 18, 2006
NCO Group, Inc., a leading provider of business process outsourcing services, announced today the completion of the acquisition of the assets of Star Contact (BVI) Ltd. and Call Center-Telemarketing Pro-Panama, S.A. (together "Star Contact"), based in Panama City, Panama.
Star Contact is Central America's leading provider of outsourced, multilingual contact center and customer care services to some of the world's best-known businesses. Joseph Fidanque, III, Star Contact's founder and President, will remain President of Star Contact and assume additional responsibilities as Managing Director of NCO's Latin American Operations.
Commenting on the acquisition, Michael J. Barrist, President and Chief Executive Officer, stated, "The Star Contact transaction presents NCO with a unique opportunity to continue our global call center expansion, and with Joe Fidanque spearheading our Latin American initiatives, we are poised to launch a complete service offering in Latin America that will include Customer Relationship Management (CRM), Accounts Receivable Management (ARM), and Purchased Debt."
Joseph Fidanque, III, commented on the transaction by stating that, "Star Contact, the first company to offer outsourced contact center services from Panama, is ideally suited to partner with NCO for expansion into Latin America. Star Contact's current mix of CRM services complements NCO's core competencies in Accounts Receivable Management and Purchased Debt offerings, and we are especially enthusiastic about the business opportunities in Latin America for these services. Mr. Fidanque also added, "A critical component to our success has been the quality of our employees and our management. Our unique corporate culture has allowed us to succeed in providing excellent services to leading multinational companies and achieve unparalleled client loyalty. NCO's global leadership will enable us to build upon our success and to profitably extend the NCO model to all the corners of Latin America."
Cypress Capital Advisors, LLC of Coral Gables, Florida, acted as financial advisors to Star Contact and Joseph Fidanque, III.
ALABAMA -- Here's the lkatest tactic used by NCO via the telephone line.
Place a call early in the morning with a "legal" message introduction "stating" it is requireed under the law. This Message will name the company, the purpose of the call, a RETURN NUMBER AND THE FILE NUMBER of the case.
Within minutes they will return a call using a "dial around number" which leaves NO message if the call is not answered.
Some of the dial around numberS will have a bogus "name" showing on your caller ID...such as "PENNSYLVANIA".
Other dial around numbers will not have a company name or any other name...just a phone number on the caller ID.
At least one of those dial around numbers is a PORNOGRAPHY COMPANY number.
Another dial around number lists a name and n umber, but the number traces back to an individual in our State that does NOT have the name listed on the caller ID
I'm just wondering how many businessnes and individual telephone number they have hijacked to use in their business of harassing both people who owe nothing and those who might owe a back debt?
Until EVERYBODY who receieve ANY kind of communications from this company and others like it, begins to put pressure on State and Federal legislator's (who are in bed with them) to write NEW laws to put them out of business, they will continue to violate they laws of the lands as the so please to do, without any consequences!
There should be a federal law written that forbids the second and third part purchasing of any debt after the initial lending party or agency has taken action to "write-Off" a debt. This is the business arena that our legislators protect and fail to write laws of protection for the consumer.
Binding Arbitration should be another issues addressed better by laws, for the credit industry. NOBODY should be put into a position of "voluntairly" giving up ANY constitutional protected rights such as have access to a State or Federal Court, for any kind of legal resolve! Especially when dealing with collection companies such as NCO and many other's, who are second and third party purchasers of written off debt.
DELAWARE -- I am in the process of buying my first house. There is a collection from NCO on my credit report that was paid in March of 2003. I called NCO a month ago to get a receipt of debt paid. They requested I send a self-addressed stamped envelope. I did so the next day. Three weeks later I had not received the receipt. Last Friday I called again and they said they never received the envelope and she would put in a request to have the receipt mailed.
Yesterday I called and requested they fax the receipt because I need it to close on the house. The girls said... "Well, it might be done today... Otherwise tomorrow." Surprise surprise... I call again today and when they finally find my information, they put me on hold for 10 minutes and then told me to call back because the person I needed to talk to wasn't there.
I did not let that happen. SO, then what was supposed to be a supervisor got on the phone. He accused me of never sending the envelope OR calling last Friday. He said they don't need to send the receipt and they do it as a courtesy. He was so rude and condescending... And all I want is a receipt to prove I paid this debt over THREE YEARS AGO.
I am a good person, I work hard, I am a single mom just trying to do the best for my family. This person made me feel like a crook and for what? He wasn't making any money off of me? They are in the wrong for never marking the debt paid and they can't simply fax a receipt verifying it paid. Oh... I am sooo upset. I am going to write letters. Better Business, Federal Trade, my governor, the President, heck... OPRAH!
There should be some sort of recourse for this! I have done nothing wrong and did not to deserve to be treated the way I was. It just ripples... This has consequences on my, my kids, my banker, the loan processors, the people I am buying the house from, the people they are buying THEIR house from, etc. When it would all have been fine if they could just simple fax a receipt.
Last Saturday 9/23/06, I received two letters from NCO Financial. When I opened the letters, I was shocked to find out that I owe some money to AOL. When I realized it was a collection agency I became fearful of the threats contained in the letter, if I do not pay up.
Three years ago I closed my account with AOL by telephone. I had paid off any kind of outstanding balance I had with them. I never heard from AOL again after that. Which is why I found it unusual that AOL didn't contact me first. After all, there was a gap of three years. Usually a company would make a couple of attempts first before sending a collector after you.
Of course, I received these letters on a Saturday, and had to wait until Monday to call and find out what this was all about. In the meantime, I went to their website, provided the info they wanted. I couldn't get in because I was told that my info wasn't correct and I had to call them. I was so frustrated by this time, but I waited until Monday to call.
Monday I tried to call them and all I get was a couple of rings and then the sound of a fax. Okay, so I tried later and I get a few rings, then a hang-up. BTW, the rings sounded different then any other ring I've heard. By the time Monday came, I had figured this must've been a scam. However, I wanted to make sure. After these attempted calls, I was convinced this company was a scam.
I wanted to look into this further. I looked them up on the internet and this is where I found this website. Much to my relief, I found others have had this same problem. I will not pay them because I know I have paid AOL already three years ago. I would rather pay an attorney fee, if it ever gets that far than to allow anyone to get away with a scam. Which is what I am strongly suspecting this is. Thanks for allowing me to add my experience in order to inform others. I am saving the letters if it gets to the point of having to dispute this. Am I doing the right thing?
Note to approver:
Already published on other sites: www.arlcollect.com.au/Default.aspx?page=newsarticle&naid=17, www.debtorboards.com › Credit Basics › General Credit Forum, www.ripoffreport.com/.../NCO-Group/.../NCO-Group-Threats-Lies-Wil..., and https://www.usconsumerprotection.com/.../nco-financial.../6449-562997...
Also, more of a news article, rather than a review.
NCO Group Announces Agreement to be Acquired by CEO and Equity Group for $1.26 billion
July 24, 2006
NCO Group, Inc., a leading provider of business process outsourcing services, announced today that it had entered into a definitive agreement to be acquired by One Equity Partners ("OEP") and Michael J. Barrist, Chairman, President and Chief Executive Officer of the Company, in a transaction valued at approximately $1.26 billion. Other members of executive management will be given an opportunity to invest in the surviving company and Mr. Barrist will continue as Chief Executive Officer.
Under the terms of the agreement, NCO shareholders will receive $27.50 in cash for each share of NCO common stock they hold as of the effective date of the merger. The price represents a 44 percent premium to the closing price of the stock prior to the Company's May 16, 2006 announcement of the receipt of the proposal from Mr. Barrist.
The merger agreement was negotiated on behalf of NCO by a special committee of the Board of Directors composed entirely of independent members of the Board. Upon the unanimous recommendation of the special committee, the Board of Directors has approved the merger agreement and has recommended to NCO's shareholders that they adopt the agreement.
The transaction is expected to be completed in the fourth quarter of 2006, subject to receipt of shareholder approval and customary regulatory approvals as well as satisfaction of other customary closing conditions.
Blank Rome LLP acted as legal counsel to NCO and Bass, Berry & Sims PLC acted as legal counsel to the Special Committee. Credit Suisse acted as financial advisor to the Special Committee.
Dechert LLP acted as legal counsel for OEP and Cleary Gottlieb Steen & Hamilton LLP acted as legal counsel for Michael J. Barrist. Morgan Stanley & Co. Incorporated and JPMorgan Chase & Co. acted as financial advisors to OEP.
MICHIGAN -- Got a call 2 weeks ago from NCO. They said they were trying to collect payment for my husband's credit card. (Never rec'd any letter or call from credit card company that we were being sent to collections. Our account was in good standings.) They never asked once what relationship I was to the cardholder and starting giving me a line of bull crap. They said our house, car and whatever assets were in husband's name - would have a lien put on them if they didn't collect a payment by Aug 1st. They never asked what I could afford and demanded this certain payment.
I gave them a post dated check with the option that they told me - I could call and cancel on July 31st if I didn't have the full amount that they requested. So I called and cancelled it and NCO confirmed that they cancelled the payment and would not put it through. Today, I go to Wal-Mart and I couldn't use my debit card. I called the bank when I got home and sure enough NCO put the payment through unauthorized. I called NCO and they said I was insane that they needed 72 hours notice to cancel the check.
NCO told me my husband had 8 judgments toward the credit card, and that if the payment wasn't made the total amount due would triple, plus interest fees, and that my husband's wages would be garnished to where he would only bring home $50 a week until the balance was paid. I called the credit card company and told them NCO refused any type of payment that I could make and they said I had to go through NCO. (So I guess the credit card company doesn't want their money if NCO is refusing payments and handling their accounts.)
Anyway, NCO said they were taping my conversation when I spoke to them, but when I asked to talk to the supervisor to make a complaint all of a sudden they found no record that I was being taped. NCO provides fraudulent information to people they are trying to collect from. When I asked NCO how they were able to give me information on my husband's account without verifying who I am such as an address, phone or anything they said under the FDCPA of state laws they could talk to the cardholder or spouse of cardholder. (Who's to say I was the spouse if they never asked?)
NCO employees are liars, I have first and last names of people and their phone #'s with extensions of who I talked to at NCO. I documented all the lies they told me. All I wanted to do is make a payment I could afford and they told me no, lies, and the bad part is, that the 5 of the 6 people I talked to were supervisors. NCO may want to invest in what type of employees they are spending money on, seems to me like they are losing money - not making it.
HORSHAM PA, PENNSYLVANIA -- I am so upset with NCO Financial Services. The employees who work there are very rude. I am dealing with a terrible issue right now as we speak. I called NCO to have a check posted on a certain date, to pay off a debt, and this company posted the check on another date, causing my bank account to have a snow ball effect of NFS fees. Now I owe my bank 600.00 because of this.
I have been on the phone with NCO to try to speak with a manager, I have been hung up on several times, told that the representative shows no notations of that change in date. I explained to them before anyone can say anything to them, the first thing that comes out of their mouth is "this is attempt to collect a debt, and this call is being recorded."
I told them to go back and listen to the recording, the representative was very rude, and then told me that my date has been changed. I have still not heard anything back from these people. How in the world can you try and pay off debt, and get in more debt because of it. I am so angry right now!!! I think this is a horrible company!!!