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and their nuts and butts are going to be the main course....

OK, for those who haven't been following, NES has been calling my house since the first of the month. To make a long story short, here are the FDCPA violations they have racked up just between 2/1 and today:

1--failure to disclose consumer rights within 5 days of initial communication

2--failure to state mini-miranda at start of calls

3--claimed that my wife was being charged with crimes of bank fraud, bank theft, and intent to defraud a financial institution(on two separate calls)

4--harassing and completely inappropriate comments made during conversation

5--refusal to validate the debt upon request and refusal to provide address so that I can send a DV letter

6--misrepresentation of the actual amount of the debt

7--misrepresenting the origination of the debt--one collector told me it is a Discover card and another told me it was a jewelry store account

8--claimed that they were suing my wife right now when they are not

9--refusal to identify company when asked during a phone conversation

There are probably one or two more that I have forgotten, but when I review the recordings I will be making more detailed notes....

All of that for a $548 debt(one of their collectors simply said "your wife's in big trouble because she owes us over $700....") that we cant even get validated...looks like they have had a busy week!! They called this morning but I didnt bother calling them back this time, I think I have had enough FDCPA violations for one week.....and yes, there will be a lawsuit filed on this. NES, if you frequent our fine forum, thanks for the payday!! We're gonna take a nice vacation on your dime!!

Posted: Thu Feb 07, 2008 7:27 pm Subject:

Whoa, they messed with the wrong person this time!

Posted: Thu Feb 07, 2008 7:28 pm Subject:

I cant tell you how much I am looking forward to this....I really cant...

Posted: Thu Feb 07, 2008 7:31 pm Subject:

I wish I could be there, I have a feeling this is going to be a BIGGIE! I'm pulling for ya!

Posted: Thu Feb 07, 2008 8:46 pm Subject:

Take'em to school!

Posted: Fri Feb 08, 2008 5:51 am Subject:

PLEASE keep us posted on this. This company is the lowest of the low.

Drew22 · Posted: Tue May 13, 2008 4:22 pm Subject: National Enterprise Systems

I recently worked at this horrible place. National Enterprise Systems is the collection agency from hell. It's the devil's worst nightmare. Employees are trained to collect according to the Fair Debt Collections Practices Act but once on the floor in their respective departments collectors are told to forget everything they learned.

My supervisor, Bryan Howard under the alias of Paul Stevens, regularly provided a second voice to collectors having trouble closing collections. This idiot would identify himself to callers as a federal agent, an NES attorney, etc., anything to try to scare the debtor into paying. He would actually tell debtors and their spouses that a lawsuit had been filed and if the account is not paid by postdated check by a certain time that day a deputy of the court was coming to serve the debtor on his job. I witness this on a daily basis all day long. B. Howard is neither a federal agent, attorney nor any of the other things he claims to be and NES don't sue debtors. All are clear violations of the Fair Debt Collections Practices Act.

Debtors are talked to as if they're inhuman. Even when the debtor is not home the person taking the message is treated like dirt. I will never forgot my supervisor shouting at an 81 year old African-American woman for not getting a pen and paper to take the message. "I DON'T CARE IF YOU ARE 81 YEARS OLD HE SCREAMED AT THE WOMAN." I've witness collectors hollering at kids "GO GET YOUR FATHER."

You are not supposed to talk to spouses—in certain states--about their significant others’ debt unless given permission by the spouse to do so. This rule is ignored at NES. In fact when I left training I put the document about the spouse rule on my cubicle wall to reference only to have it snatched and trashed by Bryan Howard who said I wouldn’t need it.

The owners Ernest Pollack, his wife, and two sons: Scott and pie-faced Chris are well aware of what is going on. These people are hands on owners. They constantly walk the call room floors, note the individual collectors and group collection sales and hear all the violations first hand. The more a collector screams at a debtor the more they like it. People actually clap and cheer when a collector goes off on a debtor. All that concerns these greedy money grabbers is how much money they are collecting at any given time.

Payments are demanded in full although they do offer settlements that are too demanded in full. Money orders and mail-in payments are not accepted, only postdated checks over-the-phone or Western Union Transfers for Citi Bank accounts. Some other creditors do allow NES to also take payment by credit card. For the postdated checks debtors are asked to give their accounting and routing numbers. NES, the scumbags they are, attempts to take the money out before the postdate. Nice company huh!

Collectors and supervisors once provided with bank info by the debtor call banks automated customer service numbers to obtain how much money they have in their accounts. We have their social security numbers so getting info this way is like taking candy from a baby. Some banks have safeguards against this and required you talk to a live person. They also work this wickedness on debtors’ credit card accounts or the credit card accounts of the debtors’ spouse, mother, father, etc. I remember one collector on the phone with a debtor saying “Your Mother Has $7,000 On Her Card She Can Use;” She Can Pay This Debt For You!”

If anyone needs someone who's "been there" in any of their legal actions against this despicable company I’m your guy.

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