[good.nelly]

Its really disgusting!!!! How can you cheat on your own employees? If these people can treat their own people so badly then one can expect how they will be treating the consumers. Sounds scary!!!!

These people have been calling me every day, usually 2 to 5 times per day, for the past week or two. They're looking for the previous owner of my phone number. I've told them it's not me, I don't know where the guy is, and asked them to stop calling my number, but they keep calling back day after day. How do I get rid of these idiots?

I was very happy to see the response from Guest TWS on page eight. I am guessing that this "guest" is Terry W. Simons, owner of Universal Fidelity.

Mr. Simons, I will give you the benefit of the doubt. Perhaps you don't know what your business manager in Columbus is doing. Do you remember sending an email to your Columbus branch telling the managers to inform who ever was working the college default loan accounts that they were doing an excellent job? That happened to be my son. He collected eight times his salary last month and was to have received the largest bonus check he'd ever earned. He earned a nice bonus check last month too. Few of your employees do, isn't that correct, Mr. Simons? The business is set up so that only the owner and your top management profits significantly. The trumped up crap you used to fire my sons was (I believe) so you or someone who works for you, could line your own pocket.

Your Columbus branch manager apparently doesn't appreciate your exemplary employees receiving their bonus, even though my son had been designated a "green beret" or some such honor for last month. How convenient he was fired at the beginning of the next month when it was time to get the check. I know your manager drives a flashy BMW so apparently you haven't dealt so dishonestly with him, or cheated him out of his money. The month prior, under the exact same circumstances, my other son was fired. He was cheated out of his money too.

Believe me..you haven't heard the last of this. Keep reading web sites about Universal Fidelity because I will post anywhere and continually about your company. I'm retired..I have all the time in the world. You hurt my family badly and for what reason? Your employees live in fear daily they will be fired for not collecting debts from the unfortunate. Is it any wonder some get over zealous? However, you can't tell me that a good debt collector consistently collects debts by being abusive or bullying clients. My sons worked hard for you, and in return your company shafted them.

By the way..both sons got new jobs with raises. They don't want re-employment with you after they way they've been treated. They do want their bonus checks. I will continue to work towards that end, utilizing any legal means necessary. You "harass" debtors with phone calls and etc. Perhaps I will utilize some of your same tactics.

All that you have to do is RECORD THE CALL!!!! If they have broken any law, which includes reading the mini miranda which states that they are attempting to collect a debt and any information obtained will be used for that purpose, you will have proof and also a case against them. They must state the mini miranda to you on every call they make to you. If you have evidence that they have not read this to you or broken any other laws and you confront them with the evidence they will settle with you. It is too costly to go to court, especially when they no they will lose.

I suggest you ask for to talk to their attorney if any of this happens, his name is John Jackson. The number to contact him is 281-647-4100. If necessary take this evidence to any attorney, they will be very interested in taking your case. These people are rich from taking advantage of people. Protect you rights.

[ramj70]

Its interesting that the IRS did not choose universal fidelity to collect on their student loans because they thought UF because their performance in a competitive environment was lacking, performance collecting debts nationwide was lacking, performance handling large accounts was lacking and felt that UF would not excel in task order performance.

UF filed suit and their complaint was eventually dismissed. The GAO (Government Accounting Office) also denied their protest.

So bascially UF is a bottom feeding company that cannot compete with the big boys.

Universal Fidelity are a JOKE
they DO NOT work with you they threaten call your home a zillion times a day leave hateful messages on machines and will even tell others what they are calling about BEFORE they verify who they are talking to.CAs such as this one DONT DESERVE to be paid!! treat people with respect and you might collect alot more!!
HMMM interesting question.....Why is it that when these CAs PURCHASE these debts (MOST well below whats owed) why is it you still have to pay the CA the original amount and many times the CA adds a ton of interest??Sorry but I feel this is total BS!

I paid my payment in full in may and now I am recieving a bill for the same account for what I had already paid how can it get fixed I have a money order stub to prove so.

[cajunbulldog]

Send them a copy of proof of payment and demand they cease collection as debt is paid in full.

I have also dealt with a very rude woman named Ms. Hawkins. I am trying to make arrangements and she said it wasn't good enough and was very ugly. She had me in tears. I guess that's why she has this job.

All the other posts here sounds a lot like my dealings with UF. Have had conversations with rude people and those who are nice. I don't envy their job, but I'm also no criminal. I apparently owe a $100 debt at Macy's, an account I had not used in 7 years and have since changed addreses and applied for loans and mortgages during that span and the debt never cropped up. One UF lady accused me of evading the collections agency and said they were gonna call me every day and harass me until I paid the debt. She wanted to know why I have ignored the debt over the years and asked, sarcastically, if I ignore my mortgage payment as well. When I laughed, she asked what I thought was funny, and I said that a mortgage was a lot different than neglecting a $100 dept store charge I had not used in 7 years. Well, I have a 5-letter word for that gal, and it starts with a B. What kills me, is that they expected me to pay over the phone with a credit card, even though I had no written document from them or Macy's detailing what I owe. In another conversation with another UF gal who insisted I pay over the phone with a credit card, I dropped an F bomb and said no way was I gonna do that without receiving something in the mail. She then screamed at me and hung up. RE one of the other posts here, when I asked for details of the debt, another UF contact told me to contact Macy's, but Macy's has no idea who I am, since they handed over the account and collections to UF. Very aggravating to say the least.

[Bossy4455]

Don't give them any of your personal info- banking included, or they will wipe you out.

Send them a debt validation letter and make them prove it's your debt, you owe it, and the SOL has not expired. Sending them a payment, or agreeing you owe it can start the clock up again.

This company as well as their other dbas, usually will not validate and harass you, send them the letter certified, return receipt..Good Luck..KAren

[cali_co_dreamer]

"I don't even care about what the debt is for or where it came from, they're going to pay it, and maybe even pay off my college loans too because if I find out if it was for those or any balance, they're going to pay it for multiple fdcpa violations. " If this quote not generated by a UFC agent, I'll add that when I returned a caller ID call, "UFC", I was put on hold and asked to wait until it was unreasonable to wait anymore. There is no way to write them as their message to my voicemail is insufficient. I say here, cease and desist all attempts to collect the debt. I prefer to be hired and pay them to the original company. I predict my state will head in this direction once the economy proves collectors, the housing industry, and unemployment due to companies leaving are the only reason the debt problem exists.
UFC never allows me the opportunity to speak this to them or learn their address to write an order to cease contact. They simply called when I hooked up a phone. Don't know why they think they own my loan or why they bother to repeat untimely calls to someone whose wage it is illegal to garnish. Social Security (disability) is a govt. income which UFC is not allowed to touch. As many of us writing here have degrees, (student loans) why are these agencies not offering us jobs? How is it UFC knows when I am not able to answer? Odd, that.

this universal fidelity has been forwarding calls from someone i believe in the uk through various numbers that has threatened my life 2 times they are part of some kind of scam i have no debts with them and they have never sent a letter for anything to validate any debt to me , it all started from an email sent for some kind of bogus job.

[good.nelly]

Oh my god!!!! Its again Universal Fidelity. My friend has been receiving calls from them and dealing with them is REALLY REALLY REALLY TIRING. They have been calling her for the past few weeks. The calls are pretty much abusive and intimidating. Every time she picks up the call, they threaten her with dire consequences. Despite her best efforts to tell them that she doent owe this debt, the Universal Fidelity is not listening. They are simply BAD.

[Bossy4455]

Once again- send them a letter and a debt validation also. If this debt is not yours, or it is paid- sned them info that it is paid, and to cease and desist from contacting you.

They are well know to try to collect on debts, along with their partners-LVNV, that aren't yours..Good Luck..Karen

Also, search them using the box at the top of your screen and see how others have dealt with them

I keep getting a call from them, like 5 times at least everyday. All it says is they aren't a telemarketing company and that I should call them on this number. It's not even a real person! I don't get it though because I AM NOT EVEN 18 YET. WHO COULD I POSSIBLY OWE MONEY TO?