HELP-Must Get Paid Account Current Quick!!

Discussion in 'Credit Talk' started by Tshambe, Aug 26, 2008.

  1. Tshambe

    Tshambe New Member

    Hi I'm Tshambe and I am a Newbie as of 10 minutes ago and I need help quick. I am trying to close on a house by Friday and need NCO to get a move on it. If I can't close by Friday, I lose the deal on a sweet new short sale and all of my deposit money.
    Here's the skinny: I recently paid a collection from a utility company in March '08 from a municipal utility company in Gainesville. The bill was the result of a family member running up services in my name and then absconding. When I paid the $1100 bill the utility company said they would indicate paid as agreed in exchange for the payment. I did not get this in writing but the utility company did contact NCO and request that they indicate paid as agreed. In March, I contacted NCO and they confirmed the communication from the utility and stated that they would comply. The bureau then appeared (I only checked with one CRA) to remove this information and I learned yesterday that they have now added the same debt as an unpaid medical collection. What I need is a letter from NCO stating that they will request the 3 bureaus to remove or satisfactorily report the account to show my lender. Does any one know what I should do in the limited time that I have or am I dead in the water? Thanks.
  2. TeeVeeDude

    TeeVeeDude Well-Known Member

    If it was me, I would get on the phone with NCO and get them to FAX a letter saying that this account has been paid in full. I'd let them know if they don't do it quickly I will sue, as you now have significant damages caused by their incorrect reporting.
  3. Tshambe

    Tshambe New Member

    I spoke to a general type representative this morning and they referred me to the credit department. I spoke to two people and one says they will fax a letter out today and the other says it will take 72 hours. They second person in the credit departments say that the letter has to be manually typed and faxed and seemed rather elusive when asked for specifics. Per the mortgage company, no letter yet. Should I push harder for a faster response or is there a chance that if I keep calling back someone will put me to the bottom of the list or otherwise create further delay?
  4. jjgross

    jjgross Well-Known Member

    I would call back and talk to the office manager,even if they hand typed it, it would'nt take three days.Typewriters are not that slow
  5. Hedwig

    Hedwig Well-Known Member

    Well, you have to know how to use one!! :)

    Seriously, I'd talk to a manager as well. If you seem to be getting the run around, go up the chain.
  6. jjgross

    jjgross Well-Known Member

    I thought they taught typing in folsom.What i think they do is type a word take a break type another word go to lunch.
  7. jlynn

    jlynn Well-Known Member

    Michael Barrist Email NCO Group CEO CFO VP

    I would start at the offices at the top of that list and work downward. Simply tell them, if you do not have a fax in your hands by lunch time today indicating this account is paid in full, you will be filing a lawsuit for their FDCPA violations, and filing a complaint with the FTC.

    Indicate your damages will be SIGNIFICANT - but do not tell them you are closing on a house :)

    If you actually get a member of upper mgmt (or one of their assistants), you might have some luck. You are wasting oxygen and time on the first round monkeys.
  8. angie1313

    angie1313 Member

    seriously...that's a little uncalled for
  9. ccbob

    ccbob Well-Known Member

    Remember that for this approach to work, you have to sound credible. Going off on a rant might be less likely to get action then calmly, but assertively, asking them to send you the fax that indicates the account has been paid will be much less expensive than responding to a lawsuit for the substantial damages that will result from their improper reporting. Just tell them, "I've waited long enough for this to be corrected. I look forward to receiving your fax and if not, you can look forward to receiving my summons. Thank you."
  10. jlynn

    jlynn Well-Known Member

    I agree, but with NCO in particular, this is the language that will get them moving.

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