[trophy]

You must call the CA and get your payment posted towards the account. If needed, speak with an attorney for legal help.

[Morningstar]

Was your payment accepted? Was it recieved?

I recently received a letter from these people and was confused as did not have any idea who they were trying to collect for. So I called them up to see what was up. Initially, they asked me for my last 4 digits of my SSN, which I stupidly told them...as I should have had them confirm with me. Assuming these people are as bad as some of you had said, will giving this SSN info hurt me?

Anyway, when asked about the original creditor, I knew that this was either not referring to me as I was mixed up with someone else, or this was a case of identity theft. When asked time frame, the account was said to have been sent to collection almost 9 yrs ago. Can anyone tell me the SOL for tennessee or arkansas? Also, after sending a letter of dispute, as they said I should what may I have to do next? Thank you in advance for any advice.

[cajunbulldog]

hmmm,
Send this letter to them to validate their claim:
http://www.debtconsolidationcare.com.../about216.html

Sorry for the multiple posts, the first one didnt think went through so sent another which sent twice. computer is acting up. Should I worry about my giving them the last 4 digits of SSN?

[Steg]

The collector should be having your SSN if their collection is legitimate. When they collect the information from the original creditor, it mentions about every details of the consumer's account. You don't need to tell them first. They can tell it to you for verification.

what NOW? First National Collection Bureau sent me a 50% reduction if I pay in 3 payments. Well I sent them 2. And now they sent me another notice stating I owe More than the original amount. I think they ripped me off for they must be bogus. Please tell me what to do now.

This number shows up on my caller ID. They leave a message but do not say who they are calling for or who they are. What should I do about this?

[Morningstar]

This number shows up on my caller ID. They leave a message but do not say who they are calling for or who they are. What should I do about this?

Answer the phone or call them back. Then use the info in the previous posts.

I received a phone call from a man from First National Collection Agency regarding an account that is over 13 years old. He stated that I made arrangements with this company back in January and I told him that I never spoke to anyone from this company. He insisted that I did make arrangements with them and once again I told him that I did not talk to anyone from this company yet never received a letter from them. I believe the SOL in Louisiana is 7 years and I also believe that he is running a scam. What do I do?

[cajunbulldog]

Vanisha, send him this letter certified return receipt.Add a paragraph in there to inform them that debt is out of sol.

http://www.debtconsolidationcare.com.../about216.html

i happen to currently work for FNCB and this last comment is complet bull you cannot pay anyone but the company that has the bill. we follow all federal laws and most of us treat our customers very well. as in any group of people there are some bad eggs but all in all they are good people. and the bit about not knowing the person is total crap.

ok for one the SOL nly pretains to how long the company that you made the debt with has to bring legal action against you . nomatter ho old the debt is you still owe it. think of it this way if you loan someone $500 and they dont pay it back in 5 yrs wouldnt you still want your money? it is the same with a debt. SOL has nothing to do with weather or not you owe the money or not.


as far as not knowing anything about the debt find out if they have the correct ssn if not you have nothing to worry about.. if so and you still dont know what it is find out when the debt was created and look in to your records for anything or anyone that may have had access to your personal info. and if you find out someone did use oyur name the only way to remove it from your name is to prosicute even if it is family.

oh and by the way i work for FNCB

debt from 99 that I never had they claim I had a card I never had the guy Don Landers was his name was rude from the get go. It is not even on my credit report. I think this company uses unscrupulous means.

I thought I would settle a few mysteries on FNCB, as I work there and can give a few answers.

Jetta-- no worries at all. Neither Chex Systems nor FNCB report to the credit bureaus. When you went to open a new account, they did a search and found an unpaid item in the Chex Systems database, which is not a credit bureau at all. FNCB was assigned many of those accounts, most of which were older than two years. However, they remain in the Chex Systems database for a long time, until paid. Banks subscribe to that database to see that they are taking on a customer that pays any back owing fees or checks to their previous bank(s). This does not make you a bad person, sometimes it is a slip of the memory, and there are many many accounts noted in that database, so it does happen. If you paid to FNCB, then the account was credited as paid and reported then to Chex Systems, who will then update that database to show that it is paid. If you are concerned, by all means call FNCB and request a paid in full letter; this will help you in the event that the database is not updated when you are applying for an account. Chex Systems' process is to update it within 30 days, so it should be done. FNCB will gladly give you that letter to put your mind at ease.

Arden's advice to Paul is correct.

BobW-- you should be okay. If you have not received another letter, the address was probably removed as it should have been. You could verify it with another call if you think that would help.

Connie-- if you are a consumer, then your compliment is very kind. However, I have an inkling that you are an employee too. But you are right, we do actually try to help people.

Jeannean-- FNCB is a collection agency, not a billing company. We don't send "bills". Apparently we have made a payment arrangement with you for monthly payments, but you have to understand that we are actually supposed to be collecting the balance in two or three months. You know it is due and when, it would be best to send the payment along. Keep the account number someplace so that you can refer to it along with your payment, but just waiting for a "bill", which is a statement that we send as a courtesy and not a requirement, is not a great idea. The way the original creditors work is that after a while if a payment is missed then they may take the account from the agency and move it to another agency, then you have to start all over with the new agency and maybe have an arrangement, and maybe not. If you know your due date, don't just wait.

Vittles-- the dialer system does not allow for contact at the improper call times, so you probably don't have a case. But, if you have a debt and it is valid, why don't you just pay it and not worry about trying to deflect the matter? We are pretty fair and could probably give you a settlement for a lesser amount than the balance that you will find beneficial and it will put an end to your collection agency experience in this case.

Maryjane-- spoken like a true former employee that probably didn't show up to work and got terminated for being lazy (not to mention your lack of typing skillz). Obviously you are bitter about your failure to make it past a "short time" and are contriving things as a typical disgruntled looser would do. Illegal things? There is no base of fact to your allegation and you probably don't have the acumen (you might have to look that word up) to work at a collection agency, much less articulate a factual explanation as to what you mean by tons of illegal things. Enjoy your toilet scrubbing, I am sure we don't miss you, whomever you are.

To all but the last, I hope I was helpful. There are some agencies that give the industry a bad name, but we do strive not to fall into that category at FNCB. Despite my railing on maryjane, we are fair and really do try to help our clients and consumers to settle matters and get debts resolved.

Ka-
It sounds like you had an experience with Mr. Landers. You may want to send a letter of dispute or call to make sure that they know that you are disputing the account. I do work for FNCB and can tell you that we may be able to get some information to you so that you can understand the claim more clearly and it may be of assistance to you. I can tell you also that Mr. Landers is quite nice when he is treated nicely in return... if not, he does tend to treat others how he is treated. This typically does not go badly as he has helped very very many consumers.