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Call from National Enterprise Systems regarding Chase acc

Date: Sun, 07/22/2007 - 13:11

Submitted by anonymous
on Sun, 07/22/2007 - 13:11

Posts: 202330 Credits: [Donate]

Total Replies: 6


I received a call from National Enterprise Systems on Friday regarding a bad credit card account with Chase Bank. I Know that I owe this money and am in the process of working with a debt consolidation program to resolve. The people I spoke with threatened me with law suits, payroll deduction (which I don't have due to nature of my business, although he never gave me a chance to explain to him. I have never been treated to rudely, and unprofessionally in my life. I tried to explain the circumstances but he would not listen to me. I was foolish enough because I was so upset, and emabrrassed as he called me on my job to give him my checking acct. and a postdated check. I tried to explain that i would have the money on Aug 6, and would pay then, he would not take that as an answer. The check is to be made on Thursday July 26, and I have no means of covering that check at that time, he wouldn't give me a chance. Should I cancel this check, can you please advise me. I've been without a job, suffered the loss of two family members within two years, and battled for 18 months with cancer of my dearest loved one. All of this resulted in my own breakdown, now that I'm trying to reestablish this hits me. I will pay the bill, I just can't do it on Thursday. Someone plese help me before I collapse again. I had no prior notice from this horrible company, no mail, or calls. I'm at my wits end, any advise would be appreciated. Plus he screamed at me when I mentioned a debt consolidation group.


Welcome to the Community :D I'm sorry about your losses and problems, but we are here to try to help! First of all, don't ever send a collection company your personal check, that's all they need is your bank info-send a cashies check instead. Second, if your check won't clear to them, I don't know that I wouldn't cancel it-it's cheaper to cancel than get overdraft fees, but that's your decision. They can, and will threaten everything. One of them gave me 4 hours to get the money, and told me to sell a car :lol: keep track of all calls, names,etc.,if it is legal to record them in your state, I would do so. They can be in a lot of trouble for doing that. Aslo, send the money when you have it-if it is actually owed to them. They have to send you something in writing after talking to you. If you know the addy, and have not received anything from them, have them do a debt validation. They may say it's too late since you agreed to pay-but it won't hurt. Good luck..Karen


lrhall41

Submitted by Bossy4455 on Sun, 07/22/2007 - 16:20

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teresa, if you do make a payment, pay by money order. Never give them any bank information, or you might find that your entire account has been cleaned out. You don't have to tell them anything. In fact, I would send a partial cease communications letter (return reciept) stating that you'll only be dealing with them in writing.


lrhall41

Submitted by Law Student on Sun, 07/22/2007 - 17:37

( Posts: 1182 | Credits: )


teresa, as stated in the above posts, by experienced people, if you don't have the money to cover that check you gave to them, stop payment on it. As they stated, it would be cheaper for you to put a stop payment on it, as the company will present it, it'll bounce, your bank will charge fees, and then the company may present it again and the process starts all over again. They have your bank account information now. I don't know if they can then do an ACH debit if your check does not clear. Some companies will try to do an ACH debit if your check is rejected.


lrhall41

Submitted by cannr on Sun, 07/22/2007 - 18:30

( Posts: 9317 | Credits: )


If this were me I would go to the bank and explain to them about this and put a stop payment on the check and any further checks or ACH's from this company. Let them know that they scared you into setting up this payment. Your bank should work with you on this. And do not let them scare you, they are just blowing alot of hot air. Send them the money when you have it like the others said and in a money order.


lrhall41

Submitted by puddlejmpr on Sun, 07/22/2007 - 21:32

( Posts: 1634 | Credits: )


hey i have had problems with nes to i had a chase acc with them and talk to some a hole name scoot or some thing like that but there was another guy i talk to his was camren or calvin some thing like that but he was really helpful and nice he was the only one i talk to who act like he got some since i think his ex was 1322 if u got a chase acc i would try talking to him but screw that scoot guy


lrhall41

Submitted by on Thu, 01/15/2009 - 14:26

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