Okay.. Our friends at NCO sent me a settlement offer for an old 1999 Providian charge-off...I responded w/a validation letter 35 days ago. I didn't get back the card or hear from them. I also stated DO NOT CALL on my letter yet those buggers keep showing up on my caller ID as "NCO Graphics, INC"...my husband answered one time because he is a graphic artist and thought it was for them, until he got the computer voice saying "Please hold for an important call". He hung up...they have called 10 times a day starting at 8am Chicago time until 10pm and call EVERY DAY including Sunday when they called at 9pm, which I thought was against the law in Illinois??? My question, being the newbie, is this: what is up? I keep reading the validation posts but this sounds odd. The last activity from them on my reports is March 2001 when they bought the account from Providian. The funny thing is is that when this ordeal began way back before I knew anything about credit, I'd been disputing this account as fraud, since I think my Mother in Law opened it when she lived next door and took in our mail for us, but back then Providian wouldn't budge with old naive me....so I negotiated w/them to pay $25 until it was paid off, did the whole send in post-dated checks bit, but they stopped cashing the checks in 1999, so I just sort of forgot about this until I took to this site in May. This is a bad ding on my almost-600 credit (my fault, not my Mother-in-laws entirely for that score!) and I'd like it gone. Do I have them on the no card, no response and the fact that they are calling me endlessly? Should I go estoppel? PsychDoc? Anyone???
My question for you is - how many DCPA violations to tey have to rack up before you take them to task over it? Sue them, now, amass your evidence after you start teh suit. Your Cease-Comm letter became effective upon receipt. That NCO chooses to ignore it is their problem, not yours. Just document the number of times they call. Second violation - continued collection efforts despite having been requested to validate the debt under FDCPA. If you were me you would have sued NCO by now.
Next time they call take the call and note the date and time. They must stop collection until they validate. Let them shoot themselves in the foot, I just sent NCO a validation letter last week. I didn't get the grren card back either. Altough I did track it at the usps's website and the did receive it. This leads me to my question. If I don't get a green card back and do have a printout from the postal services's website that it was received, will that be sufficient in court? --Delgato
I tracked it, too and it was received... they called 2 times tonight, I have on my caller id. My macine is digital, so I don't have a tape. They don't leave messages, anyway! I was thinking of sending validation 2 /30 days later letter and see what happens, let them rack up more violations. Question 2...I sent a validation letter to another CA that validated and I sent a letter w/offer to settle for deletion...also said do not call, which they are. Is that a violation?
I have a feeling that NCo gets so many green cards per day that the mail carrier makes mistakes and forgets to pull the green card off. I have received CMRRR before where the green card was still attached.
