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PostPosted: Thu Mar 06, 2008 5:16 am Subject: National Credit Adjusters

Got a call from National Credit Adjusters (620 728 1486) yesterday evening regarding a PDL w/ Mycashnow. It was an "automated dial" call, I had to wait 'til someone got on the line (aren't those fun?) I told them that PDL's were prohibited in Maryland and I'd tell them the same thing I'd told mycashnow several times; I was working with the Commissioner of Financial Regulation, that office had told me to refer any and all calls, emails, etc., to them, and if they wanted to talk to them, I'd gladly give them the number. I gave it to the lady who was on the line, and she said that they'd remove my number from their record. So, do you think they WILL stop bothering me? (yeah, I know, big chance...) I've reported their call to the person at the Commissioners' office who's working with me. Think I need to do anything else?
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PostPosted: Thu Mar 06, 2008 11:22 am Subject:

Wow...I hope they do remove your name off their list. That is awsome for you. I would think you have all your bases covered. I am impressed, I always got yelled at by them.. Even if I mentioned I was working with the State Attorney General.
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PostPosted: Fri Mar 07, 2008 8:36 am Subject:

National Credit Adjusters are NASTY....I've dealt with them a year ago.... Evil or Very Mad
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PostPosted: Fri Mar 07, 2008 11:09 am Subject:

Tweety71, did they keep coming after you, or what-all did they do? I told them that the PDL's are prohibited and illegal here in Maryland, I'm hoping they'll go away and leave me alone.
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PostPosted: Fri Mar 07, 2008 8:57 pm Subject:

Pachacutec, they struck me also. Damn they get around! Send them a debt validation letter. I did. I got a response from them too. It was a letter in black magic marker that I couldn't even make out! I was amazed by it. So, I sent another letter to them stating that was NOT proper debt validation (which they can't validate the debt anyway - it's illegal) and to send me PROPER debt validation. Never heard another word from them since. However, I did file complaints with the BBB, the FTC, and my state AG on them also.
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PostPosted: Fri Mar 07, 2008 10:06 pm Subject:

Yeah I dealt with them...I pretty much told the lady that I had sent numerous letters to both mycashnow and them and they both disregarded them...they never bothered me again...
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PostPosted: Mon Mar 10, 2008 3:31 am Subject:



you were amazed cannr? wtg filing complaints!!!!!!

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PostPosted: Mon Mar 10, 2008 6:34 am Subject:

I sent a validation letter to them and filed complaints against the company and they never contacted me again. They charged me if I remember 570.00 on a 200.00 loan. I had paid back most of it and I talked to a Lisa Ray she wanted an additional 370.00. Thats when I filed complaints. So far I have not heard a word and that was a year ago.
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PostPosted: Mon Mar 10, 2008 6:01 pm Subject:

Funny how they "disappear" when you demand debt validation.
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PostPosted: Tue Mar 11, 2008 3:54 am Subject:

OK, thanks! Is there a special place on here for that particular debt validation letter? The people w/ the State of Maryland just told me to refer any and all calls, correspondence, e-mails, etc., to them and they'd contact the PDL's (if they could get valid addresses, etc)
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PostPosted: Tue Mar 11, 2008 6:04 am Subject:

That is so true how they disappear.........They are slime bags.....
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PostPosted: Tue Mar 11, 2008 12:00 pm Subject:

Pachacutec, I searched this site and found this debt validation letter. Use this one:

Quote:
Collection Agency Name
Address
CITY/Town, STATE ZIPCODE

Re: Acct Ref. # XXXXX and XXXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice a couple entries by your company on my credit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for �verification� or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
.
What do I need you to provide as the debt validation.
� What the money you say I owe is for;
� Explain and show me how you calculated what you say I owe;
� Provide me with copies of any papers that show I agreed to pay what you say I owe;
� Provide a verification or copy of any judgment if applicable;
� Identify the original creditor;
� Prove the Statute of Limitations has not expired on this account
� Show me that you are licensed to collect in my state
� Provide me with your license numbers and Registered Agent
� Proof that the collection company owns the debt/or has been assigned the debt. (You are legally entitled to collect this particular debt from me.) This is basic contract law.
� Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..
� Copy of the original signed loan agreement or credit card application. (My contract with the original creditor establishing the debt between us.) This is also basic contract law.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent

I will not hesitate in bringing legal action against you for the following:
� Violation of the Fair Credit Reporting Act
� Violation of the Fair Debt Collection Practices Act
� Defamation of Character

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records; any information obtained shall be used for that purpose.

Please read the enclosure for an opinion regarding matters such as these from the Federal Trade Commission

Best Regards,

Your Name Here

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PostPosted: Tue Mar 11, 2008 12:06 pm Subject:

OK, thanks; since they said they were taking me off their records, I'll wait and see if they contact me again. If they actually HAVE taken me off, I don't want to "stir the waters," again!
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PostPosted: Tue Mar 11, 2008 12:08 pm Subject:

Well, I'm hoping for the best for you! But there's a letter you can use if you need it! Wink
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PostPosted: Wed Mar 12, 2008 5:03 am Subject:

Thanks again; I've gotten a lot of GREAT advice from this site. Between the Maryland Financial Office and here, I'm gonna get away from the PDL's!
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PostPosted: Wed Mar 12, 2008 1:25 pm Subject:

Yes, Pachacutec! Soon you will be saying "I am pdl free!" Very Happy
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