National Enterprise Systems-Is this legal?

Welcome to the forum Mikim. Did you contact you consolidation company about this?

Sorry, I should have made sure that I had clarified everything when I originally posted. I did contact my consolidation company, and they weren't much help beyond telling me that I needed to contact the collection company in writing about the debt and providing me with a list of all my payments on the account in question. The person from my consolidation company with whom I spoke did tell me that according to their records, payments had never been returned to them.

Call the original company and get the status of your account. They must have hired the collection agency when your file was in default. And, this CA is not aware of the payments already done by your consolidation company. You need to ask the original creditor to pull your file from this CA, because your consolidation company is doing the payments towards your account. There is no need for you to deal with the debt collector after this matter is already taken care of.

I to have been dealing with NES and they call daily over an account that I had with a bank overa van. I paid the van off and even got a clear title and traded it in several years ago. They say that if I don't come up with 5200, they are also going to take me to court. This person that I am talking to says that he is in touch with this bank and they want there money.HELP

i also sent them a copy of a cancelled check.NES called me back and said that They contacted the bank that the check was written on and they said that it never was cashed.

I to have given the person my banking information. I was frighten when he said that They were going to take me to court. They haven't taken anything out because I have to do a three way call and let them varify that the funds are there. I have been all over thecomputer looking into what I should do next. I don't think I should pay for it twice. However I don't want the embarrasement of goint to court either.HELP

ADMS08.

You need to call your bank ASAP and put a stop pay on any payment from this CA going thru your account!!!! Close the account if necessary. Even if this account did have a remaining balance, you said it was traded in years ago...thus the debt would be out of SOL. In a case like this, I would DV the agency immediately.

Threatening to take you to court is a bluff and the CA cannot even threaten it. CA's are NOT attornies. Only an attorney can take you to court.

DON'T BE AFRAID!!! collection agencies live by scaring the hell out of people. Of course no one should pay for anything twice. If they do sue you, big deal. Provide proof of the payment. Then counter sue for malicious prosecution. If legal in your state, record the calls. Get them recorded making such threats. Then find a lawyer on naca.net and go after these jerks. You have rights, and you should not bow under to people who try to force their way on you. Many collection agencies will pay you hundreds if not thousands of dollars when your lawyer notifies them of your claims.

I talked to NES today and after reading some questions and answers on this web page. I told NES that I had done some research and found out that This account had been charged off. I also told them that I know that they still consider me liable for the bill, I asked if I proved that this had been paid and that it was taken care would they take this off my report or would they mark it as a paid cahrge off. Thye told me that yes they would clear the matter up and that my report would have the highest standing of account closed with a settlement. What does this mean? I'm sure there is a catch to the leagal terms he gave in regards to this question?

Hi Adams, if I were in your place, I will ask NES put their words in writing. Legally speaking, they are going to report "paid collections" to the bureaus after you have paid the account. Your scores will turn very good if they don't report their collections to the bureaus. If they are willing to do it, get in writing first.

I worked for NES for about 30 days when I moved here because I was trying to find a job in my desired field. Trust me, NES absolutely encourages its collectors to push the envelope privately while condeming it publicly. The owner and son of this company are constantly walking the collection floor listening to and monitoring the collectors personally. When I found a job back doin CAD, I gave them 2 weeks notice and my supervisor promptly escorted me from the building and another supervisor went and got my personal items from my desk. NES does not sue anybody, they use this tactic to scare people into paying.

After receving serveral simular calls, being cut off and hung on when attempting to pay off the debt payment arrangements were made, for the last arranged payment I was told I needed to come up with the remainding amount before the end of the month. When calling that I could not come up with the remainder I was told that a check was procced today, I explain to them that I did not authorize such dedecution out of my account and for them to listen to the phone call during the arrangement, if it was monitored, to confirm authorization out of my account, the person I was transferred to just was argumentive, insisting that I authorized the deduction without listening to the call, making statements of "how else did you expect us to collect your payment," so I feel you frustration with NES

Hi,
I would like everyone to know I have had extensive experience dealing with National Enterprise Systems. I would also like for everyone to know that I am in the process of filing suit against NES! Over this past year there have been numerous complaints to the FTC about this particular agency and the best anyone can come up with is send a letter.
The truth is sending a letter is not good enough! Under the fdcpa we as consumers are guaranteed protection from: more than 3 phone calls daily, cursing and profanity, threats of law suits, threats of garnished wadges, calling without sending a letter 5 days in advance, and commenting on consumer credit reports without sending the consumer a letter so he/she may consent or dispute to the owed debt.NES officials also refuse to give full names and or agent ID numbers.
The truth is debt collectors are told what rights they can't break and then encouraged to break them everyday to break even on the books. They get good commission rates but job security isn't that great. The owners of collection companys know that lawas are being broke and they push the limit until the FTC docs them at which point they just let an associate go, however that doesn't hurt the company much because they make more money in a day than most people make in an entire year!
My suggestion is for everyone to simply sue NES and force the State and federal govts to take a closer look and revoke their license.
Also take a look at the banks and financial institutions that you may owe debt to. They aren't innocent! in fact its their business license that covers outside companies like NES to do business in your state since NES isn't really licensed to do business outside CT or Ohio.
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For more information or to follow up on the suit I'm filing e-mail me at email address removed as per forum rules - Mike

I recently worked at this horrible place. National Enterprise Systems is the collection agency from hell. It's the devil's worst nightmare. Employees are trained to collect according to the Fair Debt Collections Practices Act but once on the floor in their respective departments collectors are told to forget everything they learned.

My supervisor, Bryan Howard under the alias of Paul Stevens, regularly provided a second voice to collectors having trouble closing collections. This idiot would identify himself to callers as a federal agent, an NES attorney, etc., anything to try to scare the debtor into paying. He would actually tell debtors and their spouses that a lawsuit had been filed and if the account is not paid by postdated check by a certain time that day a deputy of the court was coming to serve the debtor on his job. I witness this on a daily basis all day long. B. Howard is neither a federal agent, attorney nor any of the other things he claims to be and NES don't sue debtors. All are clear violations of the Fair Debt Collections Practices Act.

Debtors are talked to as if they're inhuman. Even when the debtor is not home the person taking the message is treated like dirt. I will never forgot my supervisor shouting at an 81 year old African-American woman for not getting a pen and paper to take the message. "I DON'T CARE IF YOU ARE 81 YEARS OLD HE SCREAMED AT THE WOMAN." I've witness collectors hollering at kids "GO GET YOUR FATHER."

You are not supposed to talk to spouses????????in certain states--about their significant others???????? debt unless given permission by the spouse to do so. This rule is ignored at NES. In fact when I left training I put the document about the spouse rule on my cubicle wall to reference only to have it snatched and trashed by Bryan Howard who said I wouldn????????t need it.

The owners Ernest Pollack, his wife, and two sons: Scott and pie-faced Chris are well aware of what is going on. These people are hands on owners. They constantly walk the call room floors, note the individual collectors and group collection sales and hear all the violations first hand. The more a collector screams at a debtor the more they like it. People actually clap and cheer when a collector goes off on a debtor. All that concerns these greedy money grabbers is how much money they are collecting at any given time.

Payments are demanded in full although they do offer settlements that are too demanded in full. Money orders and mail-in payments are not accepted, only postdated checks over-the-phone or Western Union Transfers for Citi Bank accounts. Some other creditors do allow NES to also take payment by credit card. For the postdated checks debtors are asked to give their accounting and routing numbers. NES, the scumbags they are, attempts to take the money out before the postdate. Nice company huh!

Collectors and supervisors once provided with bank info by the debtor call banks automated customer service numbers to obtain how much money they have in their accounts. We have their social security numbers so getting info this way is like taking candy from a baby. Some banks have safeguards against this and required you talk to a live person. They also work this wickedness on debtors???????? credit card accounts or the credit card accounts of the debtors???????? spouse, mother, father, etc. I remember one collector on the phone with a debtor saying ???????Your Mother Has $7,000 On Her Card She Can Use;??????? She Can Pay This Debt For You!???????

If anyone needs someone who's "been there" in any of their legal actions against this despicable company I????????m your guy.