NCO Financial are harassing

Complaint

Review by Jkwalczewski on 2012-08-29

Rating:

I have NCO Financial that call me literally 10 times a day. I have told the repeatly to stop calling me on the weekends and at night. If they need to call do it during the morning. They told me that to stop the calls I had to pay the debt. I told them to mail me a letter to valid the debt they claim I owe and they told me they can't do that. They told me they could valid it over the phone. It's frustrating and I can't get them to stop calling.

Comments (9)

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Posted by Slimjim on 2012-08-29:

Unless something dramatically changed, which I doubt it did, i believe they can only call you once a day by law and certainly do have to provide proof in writing upon request. I recommend doing a search and talking to an FDCPA attorney. What they do is teach you how to gather evidence, then when violations can be proven, they will go to NCO and demand payment to you in the amount of the fines that could be levied against them. I believe they threaten to sue and/or contact the authorities if a quick settlement isn't issued. I'm not sure on specifics, but I do know this is what these type of attorneys do and I think you have a good case.

Posted by madconsumer on 2012-08-29:

one way to get this sorry company off your back is send them a certified return receipt letter demanding proof of debt. often times this is enough to halt them.

one thing to remember is, there is a 7 year limitation on most debts. if you can hold out that long, they will stop calling.

NEVER ever NEVER give them your checking account number, credit card number, don't even ever send them a check.

Posted by DebtorBasher on 2012-08-29:

They can call you throughout the day until they make contact with your OR leave a message for you. If the call is going unanswered, It will recycle in the dialer until contact is made or a message is left. They can only leave one message per day per phone number (Some State laws have different requirements for contact/left messages). Someone answering the phone and saying, 'he/she isn't home' and doesn't take a message is NOT considered a debtor contact or message left unless they state the company name. Validations of a debt is NOT done over the phone, it can only be done in writing and you would want to send it certified with return reciept, because they have to , by law respond within 30 days from when they recieve it. A verbal request for no calls is only temporary, you HAVE to follow it up with a written Cease & Desist letter, sent certified with return reciept. Only a request for no calls at work can be done verbally and that can be done by the debtor OR anyone at the work place who may screen your calls, or manager etc...but it's best to back that up with a written request. Once you get the return reciept back, confirming they recieved you C&D letter, they can not contact you at that/those number(s) so, keep record of any calls if they call you from that point on, that is the proof you need if you file a lawsuit against them. Trust me, I know...I worked at NCO, training the collectors in FDCPA and State Laws.

Posted by jktshff1 on 2012-08-29:

+1000 DB

Posted by MEM_2012 on 2012-08-29:

Debtor Basher...how do we know you actually worked there? Just because you have all those stars doesn't mean you're telling the truth.

Posted by DebtorBasher on 2012-08-29:

MEM...I guess you don't, do you?

Posted by yoke on 2012-08-30:

DB, what do you do when they have the wrong number? I have an agency (not NCO) that keeps calling my cell. I am pleasant and tell them they have the wrong number and they tell me no they do not.

Posted by clutzycook on 2012-08-30:

Yoke, I think you have to send them a C&D letter as well.

Posted by DebtorBasher on 2012-08-30:

Yoke, Clutzy is correct. Send them a C&D letter stating they are calling the wrong number and you do not want anymore calls at that number.