Internet's first get-out-of-debt community - 144,000 members

BSGFan · Posted: Tue Jul 24, 2007 11:25 am Subject:

Do not give these jerks a dime, they dont deserve it. Its actually fun talking to these people, I waste their time and talk about movies, they hang up on my face haha. Like I said, DO NOT GIVE THESE JERKS A DIME.

Fraud Aid, Inc. · Posted: Tue Jul 31, 2007 10:45 am Subject: National Enterprise Systems

Thank you all for posting this information.

We are currently working on a case of an elderly couple who was scammed out of the majority of their life savings. Their credit card debt is more than most people make per year.

National Enterprise Systems has been harassing this couple to a horrible extent. We are taking measures to prevent them from doing so.

FraudAid.com
501(c)(3) Non-profit
Fraud Victim Advocacy, Education & Law Enforcement Support

Mara · Posted: Wed Aug 01, 2007 6:23 am Subject:

I guess I shouldn't deprive myself from sleeping now. Thanks for clearing my nerves. I got a call today from this company and almost felt like calling everyone I know to get money to pay them off. Uff this is a relief. Apparently Zales goes through them as well. I tried setting up an arrangement, telling them I would pay them off by September 15 and the lady (Taylor) got very rude saying I had until the 24th of August to pay off this bill, otherwise they would take me to court. I went online and found you guys - I love the internet- Thank you so much! I also found their website and apparently they promote themselves as being a "different" collection agency. They use "different" tactics to get your money back (your referring to Sears, Zales, CitiGroup, etc). Well I guess we should try to do something to these people for putting us under stress and putting our jobs in jeopardy. After all McDonalds had to pay the lady who spilled her coffee on herself and claimed that she didn't know it was hot. Who can help?

BobT · Posted: Mon Aug 06, 2007 1:32 pm Subject: Another NEC Horror Story

These rude bottom feeders called me at work about 10 times over a 3 day period, I told them the first time they called me at work to stop calling me at work, they ignored me, yelled at me and threatened to take me to court if I didn't pay. I have not received anything in the mail from them yet. I finally complained to the FTC and the State Attorney Generals Office which I spoke with on the phone, the funny thing is the Attorney Generals Office knew exactly who I was talking about and already had a contact name and phone number, what does that tell you. I am also sending a letter to cease all phone calls and only communicate by mail.

I wonder how long it will be before someone files a class action law suit.

Found an interesting link for a law firm that will take action against these types of collections agencies reversesettlement dot com

Justus · Posted: Thu Aug 16, 2007 6:58 pm Subject: Annoyed!!!

My husband and I were just contacted by this so called collections agency....no previous message was left for us regarding anything of this matter, however when we were contacted this evening NES had left a very rude and threatening message, bascially stating that they had called us repeaddly...LIE!! Another thing that we are not sure of is what they are calling about they only left there Name and phone number no other information. As far as what it is regarding or anything...I believe that if they are suppose to be collectors of some sort then they should state who they are collecting for...RIGHT??? I think that it is ridiculious and they have only began to mess with my husband and me, we do not take lightly to threats or rudeness.....!

-=RTFR=- · Posted: Tue Aug 21, 2007 12:08 pm Subject: NES cold-callers

We had the pleasure of receiving calls on multiple occasions over the past week from NES - for a person we've never heard of. The moron who finally left a message - Larry Garvey, 1-800-204-1819 Ext 1322 - - then tried to claim we were giving him a disconnected / invalid number, suggesting that we were making things up. The guy sounded like he didn't have both oars in the water - one fry short of a Happy Meal. When he finally transferred to me one of NES' "account resolution representative", I had to explain that the we never knew the person he was looking for, and although she shares our same common last name, we had this number for 10+ years and there was no way our number would be mistaken in this way. WE further informed this ARR that we have stellar credit and no outstanding / delinquent debt, so they were way off base with these dozen-plus attempts at contacting us since the beginning of the week. So, ole Larry was just on a fishing expedition, randomly dialing up people with the same last name. THIS is how this company tracks people down? Amazing!

Guest · Posted: Tue Aug 21, 2007 10:59 pm Subject:

I use to work for them they really are full of crap. I really fell for people who came across a hard time and just could not afford to pay the bill. I have been there and out now because of them I am back there all over again,

mickjordmoll · Posted: Fri Aug 31, 2007 10:28 am Subject: me too!

These people called my cell phone on August 13th and told me that I had to pay them $2500 to settle by Aug 25th or there would be a civil judgement filed on me. He then proceeded to tell me that since I am a nursing student that I would be able to obtain my license once I graduated because of this. He also told me that if I didn't agree to pay this that I would be taken to court and they would garnish my wages up to 40%. I asked him if I could make payments and he told me that it was too late.

I panicked and told him that I had never gone thru this before and didn't know what to do. He tried to be 'nice' and tell me how I was screwing up my future and I was going to school for nothing. He said if I didn't pay this amount that my whole total would be $5400 after it went to court. He suggested I get a loan, but then said "no, you won't be able to get one with this on your credit report", and then told me to ask my parents or grandparents to charge it to their credit card. In a panic I gave him my bank account numbers and said I would try to come up with something.

I ended up calling a credit counseling center and now I have been set up with a financial attorney who is going to help me get this straightened out. I am not saying that I owe this money. I *want* to pay it ... but I can't come up with it out of the blue. She immediately told me to call the company and tell them to cancel the transaction.. that the money is not there and that I had a lawyer. I called they said they cancelled it and told me "good luck"

Then I received a call on Monday morning (the 27th) from a woman asking why my payment didn't go thru and now I have a bad check to pay. I told her that I had cancelled the transaction. She argued with me about it.. put me on hold and finally said "Ok, the check has been 'killed'. Good luck" I called my bank and thankfully they didn't even try to process the payment, because there wasn't a bounce notice on my account. I figured they just had miscommunication within their office...?

Anyway, this morning I got a call AT WORK from 'Lesley' who was in their 'legal department'. i hung up on her at first... then she called back again and asked why I refused to work with her and why I kept hanging up. I told her that I was at work and I couldn't get personal phone calls. She said that she will take this as I don't want to work on this and that it was a refusal. I explained that i wasn't refusing, I just wanted to be able to make payments. She said that I could settle with $1500 but it had to be paid TODAY. Funny... they lowered it by $1000 in one week.... I told her that I didn't have $1500 but I had a lawyer and she said they do NOT deal with third party payments. I told her sorry, I don't have it. And she said "Well, we will see you in court!!!!" I said "OK" and she hung up.

I immediately called my lawyer and they said they were just threating me and not to worry about it. They are sending them a letter now to let them know that they need to leave me alone and to deal with my lawyers ONLY.

I hate those people.

Again, I am not doubting that I owe this. I made some bad choices in the past. Things are better now and I want to fix it, but they are just

Bill Hall · Posted: Wed Sep 05, 2007 6:44 am Subject: these guys are a BAD joke

These screwheads have been calling me up to 20 times a day for the past 2 months. I've heard the same guy 5 times in 36 hours use different names to make it look like they are some huge company. These guys are have the moral compass of that would make a pirate blush and they don't and CAN'T do anything they say.

Last week I laughed myself silly on the phone with one putz who said he was going to have the sheriff pick me up when I got home (yes, they call me @ work too; even AFTER being told multiple times to stop). The reason I laughed is b/c I KNOW all the deputies (it's a small town) so I told them which on to send because he likes my wife's cooking Surprised

P

Then they called back 2 days later and said he was a laywer WITH the town I live in and there was a summons being reviewed by a judge! -->again, it's a small town and I personally know ALL the police, lawyers, judges, deputies, even the EMT's personally BY NAME and they're all friends of the family so I started asking what his name was and who is mom and dad were -- and !duh!, he changed the subject really quickly into a line of "we need to straighten this out" Surprised

D what a complete rotten b@st@rd

After getting all of these B.S. threats from these jackals I'll burn in hell before I send them a crap-coated nickel !!!!

btw, they can't do jack to you without notifying you IN WRITING that they are proceeding with a suit and then they have to supply the case number, lawyer's name, where, what, how, why, etc... This company works like the mafia: a dead man can't pay -- and neither can a bankrupt one -- so it's in their best interest to harass you to get ANY money they can. This company paid literally 1% of the total $$$ you owe to whatever company you have debt with for YOUR account. Anything they get from you past 1% is ALL PROFIT FOR THEM.

Take your time. Don't pay them jack-squat. And DON'T believe the B.S. about "lawsuits", "arrests", "supeona", "take your house", BLAH!!!!! They are POWERLESS to do anything. I have YET TO SEE ANYONE ACTUALLY GET SUED BY THESE G.D. MORONS !!!!!!! STAND UP, HANG UP, and call the FTC + Attorney General (877-382-4357)

in2justice · Posted: Tue Sep 11, 2007 10:22 pm Subject: ratturds

i'm w/ you Bill!!so monday the 10th the office manager at my husband's work gets a call from Tina Cache'(WTF?)They asked her if he was still employed there, what the address was and warned her that wage garnishmnets were going to be filed against him if he didn't call her back immediately. She passes on the message.my husband is a very busy manager so he calls me at work very despondent and pissed. So i call Tina and we get to talking. our debt from bank of america she said was 18,000. we do owe them, that we don't deny but we've had some hard luck. when we can pay we will pay bank of america- not these turds. She told me it had to be paid in full by friday the 14th. does she honestly think if i had a spare 18,000 lying around that i would be carrying debt?!?! dumbass.
she ran the game.we will be served the next day, sued,taken to court, a judgement filed against us,lien against vehicles/house/businesses/bank accts/tax returns... if either of us wanted to change careers,we were unemployable because of our credit history..35% wage garnishment,plus another 3000 in court costs. on and on and on.i was upset. she came across as legit.she sensed my despair and asked if she could put me on hold.she came back and said that after talking to their lawyer she was authorized to go down to 12200.all the late fees/overlimit fees/interest was forgiven. i told her it was still not possible,she puts me on hold again and says"we don't normally go this low this fast but the lawyer ok'd it to go to 9900. hhhmmm 50% in 5 minutes?!she asked if we could get a loan or did we have a 401k we could tap or family we could borrow it from......? Very good scare tactics but scummy to take advantage of some one caught off guard. she did her job well tho.called our bank, tried to get a loan(w/ this on it seriously??).
we were so addled,we went to my husbands 82 yr old parents for help. they were going to help and they called all the siblings and rallied the troops. thank God they were thinking. after a night to think about it, they began to wonder if this company was for real and legitimate.so after sitting through somewhat of a lecture,got very uncomfortable and kinda embarassed, they convinced us to do some research 1st before everyone threw money down a rabbit hole.
GOD BLESS THIS SITE!!!!
my husband and i are giddy w/relief. we will finally sleep well after 2 nights of not. Tina Cache' better watch out tomorrow.I have fury!! ratturds almost got us. i hate to be taken for an idiot and they will get that point.
thanks for all the tips about a C&D and validation letter.i will also ask for all my acct info for the creditor they are collecting for and their contact info and tell them i am reporting them to FTC and the attorney general.
let's see what happens....

Posted: Wed Sep 12, 2007 5:02 am Subject:

in2justice - can't wait to see the outcome of your story.

By the way, if ANYONE here has ever been sued by NES, I'd like to see that story posted as well. So far, all I've ever seen posted about them are empty threats. No one has ever said that these yahoos actually followed through with their threats to sue - apparently they can't afford to - all they can afford to do is make threats.

fendenkrell · Posted: Wed Sep 12, 2007 2:01 pm Subject: would like to see what happens

yeah me and my wife were just scared into making 50% payments of the close to $600 debt from these jerks. it is originally a verizon bill and though we CAN make these payments it will put our family in a very difficult postition for about a month. i am VERY interested to hear what happens, in2justice. i have made a payment for today and a promise for next week. if it is indeed possible to make smaller payments each week then that is what i would prefer to do. when you are being sued doesnt someone have to come to your house, hand you papers and say something like: "youve been served" or something? anyway, after reading whats been posted on this forum i am serisouly considering putting stop payments on these checks. but then again, what if i can just pay them and be done with them. we ARE responsible for the debt, just having trouble paying it. i have no intention of trying to skip out of paying, i just dont want to be scared into making a rash decision that may put my family in danger.

Womanfedup · Posted: Wed Sep 12, 2007 7:36 pm Subject: National Enterprise Systems!?!

Today this company called & demanded my husband pay in full. We absolutely cannot pay in full & "Mike"(-the guy on the other end) said no payment plan could be made. I don't know how he had personal info. on our lives, but it's driving my husband insane because they called his work 4x. Can someone let me know how they resolved their situation or what ur trying to do to resolve it??

in2justice · Posted: Thu Sep 13, 2007 11:53 pm Subject:

well today Tina called back and wanted to know how things were going getting the money together. i told her it wasn't happening. she said" oh you can't get it together?" I said" i probably could but we're not going to.I did research on you guys and you will never get one crap covered nickel from us."(thanks Bill for the quote Laughing

She then asked if we had an attorney. I told her "no" and that we didn't need one.
I then said"I'm calling your bluff- take us court if you can." and as i was saying "and don't call me at work again." she hung up on me. I totally expected the phone to continuously ring off the hook w/ calls from the bad cop half of the routine, but no more came. we'll see tomorrow how many times. they didn't call my husband's work or our home again yet either.
I sent out the C&D/validation letter Express mail signature required. hopefully they get it monday, but from Alaska it might be tues or wed.
I will try and keep you all informed, but we have no fear of these people any longer. they are cowards w/ no conscience. soulless inhumans whom i have absolutely no idea how they sleep at night. the emotional upheaval and distress they put good people through should be enough for us to sue them for emotional damages. we also don't deny we owe a debt, but stuff happens in life and when we can comfortably pay off that debt it will be to the original creditor-not these morons. fendenkrell, if you send them a check for $5 and they cash it, they cannot do anything to you. womanfedup, when they call work simply quote to them this-"you are in violation of the fair debt collection practices act. do not call me at this number again" and hang up.if they call again tell them they are now being reported to the FTC and the state's attorney generals office." it usually works.I seriously doubt they have an attorney licensed for our state to actually file a suit anyway.
it's late for me tonight but maybe tomorrow i'll type out the letter as a template for you guys to use. a legal friend of mine said it was all that was necessary to shut them up.
more later.

Posted: Fri Sep 14, 2007 5:06 am Subject:

in2justice - keep us posted - this is most interesting!

This company badgered my sister for months with up to 20 phone calls a day. I had her send a validation letter, and they sent back something of a validation. They kept threatening her with court, but this is going on several months now, with no court papers being served or any court date being set.

in2justice · Posted: Sat Sep 15, 2007 3:23 pm Subject:

Hello all-
Neither my husband nor I received 1 single phone call from NES on Friday or Saturday. I don't think they're giving up but maybe regrouping. Hopefully the C&D letter will get there before the next assault.Here is the template letter I sent:

*Name:
*Email:
*Phone:
*Zip:
*Debt

	* denotes required field

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