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Posted: Wed Oct 11, 2006 11:10 am Subject: National Action Financial Services

Ok, National Action Financial Services have made the first initial call today around 8:30 this morning. I have no idea who they're calling about (me or my wife) since the phones in her name. I refuse to talk to this guys from National Action Financial Services at all. I've chased off allied interstate, Merchants and now these goons. I do not have an account number for an alleged debt that they say one of owes. I need to send a C&D letter but no account number. Can I just send this with out the account and use the phone # they called us at. I've seen numerous posts and these are the lowest scumbags. The automated message just said that "You must call 866-529-1899 as it is VERY important to someone named "Gotto or Gotty" Da ha funny. Can someone please advise. Thank you.

Posted: Wed Oct 11, 2006 12:08 pm Subject:

Give a call and ask National Action Financial Services to validate the debt in writing. You should have the complete information within five business day to confirm that they are doing legitimate collections. You will know that they are the ones authorized for this. Sending a cease and desist letter at this stage might pass on the debt from one company to another. You will send the letter after they have failed to validate your debt and if National Action Financial Services don't stop calling you. Here is a sample letter of the debt validation letter.

Posted: Thu Oct 12, 2006 11:02 pm Subject:

I just posted some of the corporate info, including address, on the second page of this topic. http://www.debtconsolidationcare.com/forums/about8848-1.html

Hope it helps.

one mad mama

I too have been contacted by National Action Financial Services, I have asked them to send me their proof they refused to do so, that is unless i had a fax . They said they are going to sue unless they get there money with in 24 hours , i just got a letter from them!! It clearly states that i have th right to dispute, but when I told them I was because the information they have in incorrect they said I can't. They were also incredibly rude -beyond all belief!! The woman called my spouse a liar and told me she is in charge now, there is nothing I can do and hung up on me several times. I work in a collection agency and everything they are doing is unprofessional and agains the law, National Action Financial Services are a bunch of rude liars and crooks!!

Posted: Wed Jul 30, 2008 3:36 am Subject:

Since you have received their dunning letter, send them a DV. If you are in a 1 party state, start recording their calls. SInce you are a collector, you know what they can and cannot say. Use that agaisnt them.

collin · Posted: Fri Aug 08, 2008 9:36 am Subject: nice devils

I just barely finished dealing with NAFS, and had a slightly different experience.
In the messages that were left on my voicemail, the company did identify themselves, and they did use my wife's name. And when I called the man I talked to was very nice, and made it seem as though he were trying to do his best to help me out with a problem.
However, the problem he was trying to help me out with had been taken care of almost 10 years ago!
NAFS has apparently been trolling for old credit card debts that had been charged-off by the credit card companies and has now started calling the individuals to try and convince them that the debts are still outstanding. I checked my wife's credit report and the debt which they're trying to tell me is still outstanding doesn't even appear anymore.
It's very upsetting that companies like this exist. They're bottom-feeders trying to make a buck anywhere possible.
What a disgusting company!

Posted: Fri Aug 08, 2008 9:56 am Subject:

charged-off by the credit card companies and has now started calling the individuals to try and convince them that the debts are still outstanding

Charged off is not the same as forgiven. With the exception of 2 states (MS &WI) an unpaid debt is collectible until paid or the sun goes super-nova. National Action Financial Services have the right to ask but you have the right to say no with zero negative consequences.

ark · Posted: Tue Aug 12, 2008 9:16 am Subject: so funny

do people not realize that if they didn't let their bills get this far behnd that they wouldn't have thee problems. anywayss i worked as a collector for 10 years. a lot of laws have changed sence i worked in collections but I will say that NAFS was the most respectful company that I ever worked for. A lot of other companies are very shady and claime to be law offices and such. If you get "harrassed" by a debt collector that claimes that you are someone that you are not, tell them to stop contacting you and that they have the wrong person. if they keep contacting you that is a violation of the fdcpa. Anyways so you all know I have 2 batchlors degrees and ot all debt collectors are uneducated people. I just am a bad speller! lol! I have had pleanty of financial probs w/devorce but you cn't hate on a debt collector, they are just tring to survie, and in the Buffalo, NY area thre are no other jobs that are about the $11 cost of living, and NAFS doensn't pay that much hourly, they pay less than that. Commission is what pays people, and really it isn't that much! Good luck, and God bless!

ark · Posted: Tue Aug 12, 2008 9:23 am Subject: advice

when you pay an account off always request an account paid letter, even with a settlement. legaly these companies must provide this information. a lot of accounts are not closed out properly, and it is not the collection agency that you are taking to's fault but the prvious account holder that didn't close the account properly. Also when you get your account paid letter you should send a copy yo experian trans union and equifax asking them to remove it from your credit. the bank has up to 90 days and collections agencies have up to 90 days to tell the bank to take it off. SO that is 180 days you are waiting for them to take it off if they do it right in the 1st place. do it your self, and it will be done right! I have always given this advice to debtors. I no longer work in collections but I am always willing to help with advice.

Man at NAFS · Posted: Mon Oct 27, 2008 5:40 pm Subject: NAFS Illegal Actions

I filled chapter 7 banckrupcy 10/27/03. Included in the banckrupcy, and surrendered was a 2003 Mitsubishi Lancer. I was contacted about 8 months ago by a collection agency stating I still owed the loan. They were polite and professional. I simply faxed them my discharge papers and they appologized, stated they would nootify Misubishi and the calls ended. I assumed the issue was corrected.
Well today, I received a call from National Action Financial Services at 1-800-697-4901. I returned the call not knowing what this was about?
I spoke with a Mr. Thompson(? I couldn't really get his name). He was extremely rude, yelling and swearing. I'm ashammed to say, he did get me upset as well.
I tried to explain the situation (between screams and swearing)he just kept calling me a liar. I asked for his fax number so I could fax him the discharge papers. He simply hung up on me. I called him back about 15 minutes later after I dug my discharge papers out, and he did not answer.
I want these calls to stop. I have filed the propper bankrupcy papers and they respossed the car.
I would welcome a law suit against Mitsubishi for harrassment and as well as NAFS for harrassment, abuse and illegal collection practices.
I cannot see how I can/need to be harrased about a situation I legally resolved 5 years ago (to the day)
Thank you for any assistance you can provide.

Posted: Tue Oct 28, 2008 6:10 am Subject: reply

in that case.you don't even give this bottomfeeder anything.except a contempt order from the bankruptcy trustee.
go for the throat on this one.give NAFS'S info to the trustee,then check into your state laws regarding recording calls.any debt discharged in bankruptcy that CA attempts to collect is contempt.

Guest · Posted: Tue Oct 28, 2008 11:09 am Subject:

Hey Paul, just noticed your "HOF" and "Moderator", BELATED CONGRATULATIONS!!!

Posted: Tue Oct 28, 2008 11:11 am Subject: reply

thanks,guess i'm better known than i thought.

Swonavy · Posted: Mon Nov 03, 2008 5:12 pm Subject: Letter from them

People... people.. they are full of crap! I got a letter today and they said I owed something to blockbuster in CA. I lived in CA 6 years ago and never went to the place they claim I owed. SO I called blockbuster. Guess what, I was right. I owe nothing. Never, never pay without checking it out. I did try to call them but they make the call go in circles and you have a hard time even reaching a person. I am waiting for them to call me and then I think I might make some money out of this.... I am no fool!

Hallz · Posted: Thu Nov 06, 2008 10:01 pm Subject:

Interesting,....I am getting a calls and a letter from them regarding block buster also.

It gets even more interesting,...I have no outstanding balance with Blockbuster

Swonavy,...would you happen to be in Sacramento also? How would it be possible to make them have to pay out???

saram · Posted: Fri Nov 07, 2008 12:57 pm Subject: national action financial

an alternate contact # for NAFS: 800-847-9653.

i got this number because it showed up on the caller id at my office. AT&T was having problems with the lines and was rebooting its system so we were writing the numbers down as they came in and called them back on our business cells. as it turned out, they answer "National Action Financial Services." the man i spoke with was very rude. be careful what number you call them from as their caller id links directly with their computer system to pull up accounts automatically. if you call from a different number, i wouldn't put it past them to harrass you on whatever number they can get their hands on. the man i spoke with accused me of getting a message and that's why i was calling him. he didn't believe we were having trouble with our lines and i was just calling the number back that came up on my office's caller id. good luck!! i will be passing on your helpful information to the person in my office this company is trying to harrass!

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