I received a call about 3 weeks ago from NCO that they were collecting a debt from AMEX for about 11,000.00. When I initially spoke with them, I told them that amount was incorrect and they needed to get copies of the charges. As soon as I received the standard collection notice from them, I sent them a DV via CRRR. This week I was in Mexico for vacation, and there were two messages on my answering machine (Monday and Tuesday) telling me that they have the copies of the charges that I requested and to call them. I have not called them and they have not send me any validation. My question is: can they call me like that before validating the debt, or are they in violation for doing so, and I have not yet received any validation from them. Ken
Because I disputed the debt in writing, and they have yet to send me any type of validation, so they are basically continuing collection efforts without validating.
Send them another CRRR requesting that they not call you in response to your VD letter and that your attorney has advised you to conduct all of your correspondense through the mail only.
I wouldn't make the letter as strong as was suggested... Just tell them that if they OBTAINED the validation requested, then they are REQUIRED to MAIL the validation to you immediately.
But as long as your validation didn't ask them to CEASE ALL PHONE CALLS, then its not a violation. It would be a violation if they actually ATTEMPTED TO COLLECT during the call, if they hadn't OBTAINED AND MAILED the validation to you.
They may also prefer to try to convince you by phone that you owe what they claim without actually sending validation, even though they claim they have it. In other words, regardless of what they say, they may not have everything you requested, or they may have added charges that are not allowed, and think you might catch it if they actually send validation. Demand that they mail it.
That sounds about right - the amount shoul really be around 3,000.00. When they first contacted me I told them they had the wrong amount, and the guy said it's possible they could have added 8,000.00 in finance charges. I said no way and to prove it. He said they would contact AMEX and get copies of whatever. Then I sent the DV and got the green card back. A week later, he called and said even with a 8,000.00 difference, I still owed the 3,000.00 as stated and he wanted me to pay that. I told him to pound sand and 2 weeks later, I got the 2 messages about "we have copies of the charges YOU requested". What a bunch of idiots.
How can you pay them unless they provide an accurate accounting of the amount due? If they claim $8000, and you pay $3000, they will still try to collect the "balance" of $5000, or sell it to someone else. Also, if they now provide documentation showing $3000, plus some allowed fees and interest, but nowhere near $8000, where did they get the $8000 original amount claimed? Did they just make it up?
The amount they claim is 11,000.00 - making a difference of 8,000.00. I'm sure AMEX still owns the debt, and the guy was sure to tell me while a difference of 8,000.00 seems like a lot, he has seen it before. Sure you have, buddy.
Has NCO posted an $11000 collection TL to your CR? If AMEX still owns the debt, it might be worth calling them to ask directly what the actual amount owed is.
Re: Re: NCO Calls Or send then an offer to settle for 500.Or see if you can get more violations on them.
Re: Re: NCO Calls Does anyone have a sample letter for that, like one that quotes the FCRA and FDCPA?
Re: Re: NCO Calls Ken, I had problems with these people years ago. Go to this the FTC website (www.ftc.gov) and search on NCO. They just received the largest fine ever given to a financial company for their "not so legal" methods of collecting on default accounts--either valid or invalid. Their biggest infractions were inflating dates and re-aging accounts.
