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Chrys Henderson · 07-09-2009, 11:05 PM

That kind of behavior sounds to me to be more like a scam and not a legitimate company. You *definitely* don't want to volunteer any info to a scam. A low-life like this will, unfortunately, need to be dealt with in court. I wish you didn't have to go through that, but life is notoriously unfair except in its recycling program....

Wow, Katella and Ball Rd. They have Disneyland surrounded. Ah, memories... I lived in that area back in 93...

These PDL collectors are almost as bad as the PDLs themselves... :roll: But any company that is afraid to identify themselves, give you their address, and follow Federal Law - I would only say 3 words to them: Cease. And. Desist.

07-14-2009, 02:14 PM

These people called me today and are threatening to sue me for fraud. They also called all of my references and told them that I was being investigated for in a fraud case. The guy who said he was a supervisor, Mr. Slavia told me that if I did not pay $510 by 11:59pm tonight he would file fraud charges against me in my state. I only borrowed $300.00

I explained to him that my account had been closed because of overdrafts and that I did not have any way to contact the Loan advance company since it was online. The only correspondence I received from the company was an email saying my account had been sent to collections. When I called the company, National Credit Adjusters, they said my account had been sold and couldn't help me.

Noble contacted me today and the first guy Sergio seemed to want to help and make arrangements. Asked me what kind of payments arrangements I could make. When I told him he said he needed to check with the company and to hold on. His "supervisor" then got on the phone and told me arrangements were unacceptable and I had to pay in full today. He pretty much told me that I was a criminal and did not believe anything I had said.
This guy was very rude and refused to give me any info or address about his company. I told him I was going to contact an atty and he told me how can I do that if I can't even pay my bills?
I finally hung up on him and researched Noble on the internet. I guess I'll just have to wait and see what happens. I feel a little better though about the threats since reading the stories on here.

07-15-2009, 12:50 PM

What is a C&D letter?

SOAPLADY · 07-15-2009, 12:54 PM

Cease and desist.

07-15-2009, 01:05 PM

This is a great web site. AFter reading these stories, I feel much better too; however, I did send them $25 via my debit card because I was afraid. I'm not even sure why I sent any money except they are very threatening, i.e., fraud, criminal charges all of that.

Chrys Henderson · 07-15-2009, 10:05 PM

I would close that card if I were you and request a new one. If they are unethical enough to directly and boldly LIE to you, then they will have no problem withdrawing far more money than you authorize, and at any time.

ANY collection agency that is a LEGALLY operating business *MUST* send you a letter in the mail detailing the debt and their address where you can dispute it.

07-17-2009, 08:15 AM

These people called me yesterday for the first time and the gentleman was vey rude and was threating me telling me that people was ent to my home they contacted my HR department and friends of mine. And if i don't pay them $400 dollars by the end of the call they will bring me up on fraud charges. These people claim that they were hired by a PDL i had took out for $150 and now i have to pay $400. This is bogus and these people ar scammers, they are very rude. I started to call his bluff and tell him they he was a scammer and they don't scare me and i was gonna call my attorney and go online and report them after that he hung up and everytime i called back i got no answer. Do not let them scare you they are just trying to get your money.

07-17-2009, 03:50 PM

"What state do you live in and when was the last time you paid on the account? Have you pulled your credit reports? Does the OC's tradeline show a $0 balance and a Sold to another lender notation?"

I have one of these on my report dated 2004 for a cc i defaulted on in 1997 What does that mean?

07-17-2009, 03:53 PM

And I am in Michigan

Chrys Henderson · 07-17-2009, 10:51 PM

It means it's likely past the SOL and should be removed. File a dispute through the credit reporting agency. If you absolutely did not have that particular credit card it makes it easier (i.e. "I swear under penalty of perjury that I did not have an Aspire Visa - for example - in the year 2004. The last time I did have an Aspire Visa defaulted in 1997, and hence is far past the SOL and needs to be removed from my credit report immediately.")

07-18-2009, 04:26 AM

Thanks for the info, I will try that for sure.

07-21-2009, 05:37 PM

Thank you again ChrysHenderson for the advice, I submited a complaint via experians web site a few nights ago, told theim basically what you said to say, that I defaulted in 1997 and it should have been removed in 2004, and experian emailed me today to let me know it was removed.

07-22-2009, 12:12 PM

i just talked to them and they try to scare me, they told me i have to pay three hundred first then today they called as if saying that i owed 210 more, i try to explain to them that thay told me only 300 but they try to insist that they told me 510 yesterday i told them if they have a copy of the contract they can send it to me and i can pay them but they won't and one of the guy even said that they don;t have a copy of the contract either and it was sold to them by th other company, i try to tell them that i try to call the other company who deposited the money in to my account but i can't get hold of them so how can i pay or settle with them

07-23-2009, 01:53 AM

I have an $650 online loan with a company called cash supply and i couldnt pay on it anymore because they would automatically take out $150 every two weeks out of my account, and just couldnt keep up. so anyway someone contacted me about it with their collection dept. and wanted to set up an arrangement with me and said that i owed them $1010 because of the fees. I paid them back already about $300 and dont know if this is right or should I stop paying them or what?

PinkLady · 07-23-2009, 08:06 AM

First of all what state are you in? This will help determine what fees should have been charged on that loan. Second don't send any money to the collection company until they send you something in writing.

07-23-2009, 12:52 PM

I have read all of the messages above and unfortunately, suffer from the same harassment calls from Nobel Recovery Services. I, too, was told to pay an amount - but was only given 1 hour to do so. I spoke with the "director" at 11 am (on 7/23/09) and was told to wire funds to the company no later than 12 pm. If I didn't, they would send my work legal documents to garnish wages. When speaking to them, I was told that I committed a fraudulent crime against a federally insured bank and that they will sue me for criminal charges, which will require me to pay up to 3 times the value of my loan, the bank fees, legal fees, court fees and Nobel Recovery's fees. Said they only get paid when documents are served. But, Mr. Bowen of NRS says that I didn't sound like the typical "criminal" that he talks to. That I sound sincere in wanting to pay the debt. He would see what he could do to get me out of the "fraud" status if I made the payment today. He also states, several times, that they are NOT a collection agency, rather, they are a fraud department. Sounds to me like they are a collection agency. I spoke with an attorney today to discuss this company. I was told they were doing things illegally. Was advised to call the FTC to file a complaint against this harassing company.

I filed a complaint today with the FTC. I was also advised by the FTC NOT to wire money to them until they can provide me paperwork regarding their company. Given that there are no information available online regarding Nobel Recovery.

I have done many research regarding consumer rights - to sum up... NOBEL RECOVERY SERVICES IS PRACTICING DEBT COLLECTIONS ILLEGALLY. They are using the scare tactics that cause stress and embarrassment with personal life and work.

After reading up on consumer rights from the attorney general's website, (CA), I have found that a class action lawsuit is possible if enough people/cases is brought. I don't know if this is something that I am willing to take part in now. All I want is for these people to practice debt collections legally and fair.

I guess this is a cry out to others, who are suffering like me. If there is anyone out there with the same issues and have found a way to resolve this - please reply to this.

I could really use the help! Thank you!