866-479-7925

i get calls frm mukesh whos is not following fdcpa

thier is a cller name satender who is offering settelment on my vm ask him to stop
other wise ill forward a complaint

ther is a caller from india lokesh and this is JOEL FRAZIER
ask him to stop discussing my debt with my assistant
and i am enrolled with an dca and he has all the details

THERE IS APERSON NAME BY YASIN...
I HAVE ALREADY GIVEN A BAD CHEQUE...BCOZ HE IS AN INSULT TO ENGLISH...
I THINK HE CANT PRONOUNCE 'S'....
HE SAYS 'SHETTLMNT'
WHAT A [***]...LOLZ

their is a caller name vijay pls ask him to stop
playing 20 20 with me i am sick and tired of his
voice mail saying golden offer setelment and call me at extn
5128 and he says all crap bla bla

Nationwide Credit, a collection agency calls many-many times a day.

NCI Correspondence
2015 Vaughn Rd Bldg 400
Kennesaw, GA 30144
1-800-456-4729

they have placed a call to me 12 to 23 times a day since Oct 8th, 2009.  First you never give out your SS Number to anyone!  Period!  They will ask for it over and over, JUST SAY NO!  Be nice though.  Real simple to deal with this, just asked what the account is for the balance, and who it is from.  Now get their mailing address and phone number, and your account ID that was assigned to your account if there is one.

-------------- HOW TO FIGHT BACK AND WIN!!! ---------------

Now, and again be nice when you read the following to them, because the following statement will fell like a weight has been lifted off your chest:

"In accordance with the Fair Debt Collection Practices Act, 15 USC 1692c, 805(c):
(c) CEASING COMMUNICATION.  -  If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt."

That's it!  End of the calls and the threats to come lock you up, and all the other B.S. stuff they know they can't say but due.  Also No ONE is recording you, and if they are and it is stated as a fact, your answer is that you REFUSE to be recored on the call, and you should repeat this with each thing you say to them too.  Now the next step is to lodge a complaint with the FTC - Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en#last  and supply the repeat collection caller with the ID that is supplied to you when they call back over and over.

Now let the Electronic Age assist you in fighting back.  I went and did 2 things in my case when I realized that my health was failing, and money problems would become an issue in a short time.  I changed all my home phone Numbers to an Internet Calling number with Skype as it would only cost me $60 a year to maintain a real local number in my area, and gave me better control over who can call me, and when.  If you don't have a computer, and just don't want to switch to a new number then i suggest buying a "Advanced Caller ID with Ring Controller" from JF Tech Developing Co., in Norwich, CT..  Web site is   www.JFTeck.com   This nifty device is a Caller ID box as you would expect to find for around 60 to 70 dollars, and is worth every single penny!  What it does is takes the caller ID that comes in and compares it to a list you enter of calls to block.  Yes it really works! and all that happens is the caller only hears on their end of the call is a ringing forever up to 20 rings and then the phone company cuts you off anyway.  What you hear on your end is NOTHING!!!  Just Bliss!!!  It shows who called, but never rings through to you.  Now if the Collection Agency catches on to this they will starting calling from other exchanges like ex. 717-232-0001, 717-232-0002, 717-232-0003, 717-232-0004, and so on.  The device has that covered too, and lets you Block as a WILD CARD, which means you can list all number to be blocked from the following number ex. 717-232-XXXX where the "X" mean any number from the exchange, or you can just goto the extreme, and Block as ex. 717-XXX-XXX then no more call from the area code of 717.

One very important item you must do is follow through on mailing the letter and require a signature to be delivered, and a P.O. Box will get signed for too.  In most cases their mailing address is the same without the PO BOX Line in the address.  Also mail a normal letter also with the same in it as follows, and I GUARANTY they will stop calling you for collections.  Here's a copy of my letter I send out to the few I had to deal with, just plug in your own words, and mail it off.


Today's Date

Your Name
Your Address

Collector' or Creditor Name
Address

RE: Account {insert account name and/or number}

Dear Collector or Creditor,

I am writing in response to your ((letter or phone call)) dated {{insert date}}, ((copy enclosed)) about the above referenced account. I am unable to pay on this account due to {{insert reason here i.e. unemployed, disability}} . This is a {{permanent or temporary}} situation.

I also hope to save both of us a great deal of time, energy and expense by letting you know that I have no income at this time, essentially I have no money and can prove it! In accordance with the Fair Debt Collection Practices Act, 15 USC 1692c, 805(c):

(c) CEASING COMMUNICATION. "If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt."

Although I agree that I owe this debt, I am unable to make any payments toward it and therefore ask that you cease further communication with me concerning this debt. I will notify you if my financial situation improves enough to allow me to begin or resume making payments. Thank you for your understanding in this matter.


Sincerely,

Your Signature

Printed Name

i am dealing with one collector nci he is really helpful n kind he understands my prob he helped me in such a manner now i am paying my bal in parts n able to manage my other expenses god bless them

this msg is for james lippincott, u tell me tht u cnt understand me & ur telling me 2 spk in english.. i no u understand me clearly, coz i hav tht much confidence in me.. if u hav sum dare thn talk 2 me & clear ur debt..... plz dont get scared like an idiot....

http://www.ftc.gov/opa/1998/10/nationwide.shtm
The ftc went after them and made them pay.  Report them..if they get enuff they can be hung again.
From their website:
NCI’s executive management is responsible for ensuring we comply with all applicable federal, state, and local laws and regulations. We continually review and update company policies and procedures to meet new requirements, and we regularly participate in continuing education programs to stay abreast of changes in the law.

NCI maintains full compliance with laws and regulations that include, but are not limited to, the following:
 
Fair Credit Reporting Act (FCRA)  
Fair Debt Collection Practices Act (FDCPA)  
Family Educational Rights and Privacy Act (FERPA)  
Gramm-Leach-Bliley Act (GLBA)  
Health Insurance Portability and Accountability Act (HIPAA)  
Title IV Student Loan Programs  

Also note there is a Nationwide Collections Corporation too!

Hey! The people who work at NCI are really nice just doing there jobs.

Signed
Mom

Really wat a crock of crap.

NCI is an aggressive collections agency who does not adhere to the laws and regs that govern them. They will harass everyone who knows you including your deceased relatives and their kin...your employer and so on. Record their calls if you are going to talk to them. If you owe money you are advised to deal in writing with the person/business you owe the money to. If they want to send you to the collection agency, then they are required to provide you with a US address in order to deal via certified mail....don't give out any information about yourself over the phone ever......particulary to folks who are not in this country....these "calling centers" are NOT in the US

NOT ALL DEBT COLLECTORS ARE RUDE.....THEY ARE  DOING THEIR JOB UNDER A LOT OF PRESSUER FROM THEIR MANAGERS.....STILL THEY WANT TO HELP YOU OUT TO CLEAR YOUR DEBT ("BAD MARK ON CREDIT REPORT").......THEY UNDERSTAND YOUR SITUATION AND OFFER YOU SUITABLE OFFERS(PAYMENT ARRANGEMENTS/SETTELMENT etc)....STILL 95% DEBTORS DON'T WAN'T TO CO-OPERATE WITH THEM......IF YOU DON'T WISH TO RECEIVE CALLS FROM DEBT COLLECTORS THEN MAKE YOUR PAYMENT ON TIME OR ELSE DON'T USE ANY CREDIT CARD............AND STILL SOMEONE DOES'NT  WANT TO DEAL WITH THEM THEN GIVE THIS GOLDEN OPPORTUNITY TO IRRITATE YOU EVERY MOMENT TO YOUR OWN PEOPLE
AND THEY ARE AMERICAN EXPRESS(I'M SURE AMERICAN EXPRESS WON'T LEAVE YOU JUST LIKE THIS)..
GOOD LUCK...........

NCI IS AWARE OF ALL THE LAWS(FDCPA).....AND THEY GET SUED IF AT ALL THEY MAKE ANY MISTAKE.......AND FEW PEOPLE ARE SO GREEDY THAT THEY OWE A DEBT OF JUST $2000-$5000....BUT THEY SUE THESE AGENCIES FOR 10TIMES MORE MONEY WHAT THEY OWE....SHAME ON SUCH PEOPOLE..........BUT NOT EVERY ONE IS LIKE THIS........I FEEL AMERICANS ARE THE BEST PEOPLE IN THE WORLD....BEACAUSE I LIKE "U.S" AND AMERICANS.    DEBTORS(PEOPLE WHO R NOT WILLING TO PAY EVENTHOUGH THEY HAVE MONEY)....DON'T RUIN YOUR COUNTRY'S NAME........

These people are trying to collect a written off debt

Bottom Feeders they dont know the State laws on dept for sure. I live in SC when its over 3 years on unsecured they can not collect. Never admit you owe any money to anyone on a phone if they call you. I never signed a contract with NCI or any other dept collector so I dont have to do business with them... If the CC company wants one legally they should be the only that can call you.

So I just have fun with them now.. I lie to them I ask them personal information I try to have small talk so they have stopped calling me... .But never admit you owe money that restarts the clock..

Do not let debt collectors harass you.  You have rights.  We sue abusive debt collectors who violate the Fair Debt Collection Practices Act and make them pay you money. We handle the cases on a contingency basis.  

Record all telephone conversations that you have with debt collectors.  Take detail notes of any telephone conversations that you have with debt collectors.  Save all voice mails that you receive from debt collectors.  Save all letters that you receive from debt collectors.  

Call Marso and Michelson, P.A. at 612-821-4817.  

www.marsomichelson.com

*ADVERTISING MATERIAL

Americans don't talk or write like this.  This sounds more like the opening paragraph of one of those phishing emails where "Mrs. so and so" is recently widowed and diagnosed with 40 different kinds of cancer herself.

If you're going to pass yourself off as Americans in debt who had to work with NCI, at least read other forum posts from Americans and copy and paste their phrases so it halfway sounds American.

y do you call me.

All the people "helped"?...Clearly they are shills, and likely employees of the collections firm. The won't fix squat! Read their messages carefully, they even write in broken English.  What a crock. They want money and won't leave you alone until they get it. Lately I have saved to pay a full or negotiated reduced balance in one lump sum, but I mail it to the original credit card company, not to the collection agencies. When I tell the people that call on the phone I've done this they go ape-sh#*t, then I take the liberty of hanging up on THEM.

The credit card companies cash my checks, and I never hear another word. Oh, if you are paying off a debt, and the money is going to a place that is established and IN the U.S., add a weird amount like $3.64 or $2.58 above what's due to the check or money order. The company has to go to the time and expense of issuing a refund check. In the meantime, call the creditor non-stop to inquire about their debt and ask when you may expect payment. Be sure to impose interest and penalty on the unpaid amount. Threaten legal action or use whatever tactics their collection agency used. Foreign accent optional.....but FUN!!!!

This company has driven me nuts for close to a year now. Some douche-nozzle deadbeat scumbag gave them my business number and no amount a explanation has gotten them to stop. Blocked many of their numbers, but they keep using new ones. Usually after I give details about myself they realize they have the wrong person and this slows the frequency of the calls to once every couple days....and then a few weeks later they start calling multiple times a day again. Finally filed a complaint with my state AG and our state consumer protection agency so hopefully that gets me somewhere.

Don't listen to Andy Walker, they are not cooperative, and it's only one (I recognize the voice and name) barely understandable person that calls constantly. What I'd give for 5 minutes alone with the scum that used my number or habib on the phone.