Got a call from NCA-pdl

Send them a cease and desist letter and a debt validation letter. They are junk debt buyers. They will not be able to validate that debt if they can't even get thier facts straight. Go to www.budhibbs.com and look them up on the agencies to avoid list and you will see what scum they really are. Here is there address. Communicate by certified return receipt mail only.
National Credit Adjusters ***
327 W. 4th Street
Hutchinson, Kansas 67504

They cannot get you for a bad check. Period. They are just trying to scare and intimidate you into paying.

Turn them into your state's AG. They cannot threaten things that they are not planning on doing, and they cannot have you arrested for a bad check. They are breaking the law, not you.

Is the PDL you mentioned licensed? If not, how can they even try to collect on it??

Sfate, they can not do anything but harass you. Please do not get upset.
Most of us have had these calls at work, and we answered saying we no longer work there. Enough "she no longer works here", and they stop. Can the receptionist at work just screen your calls for you. Mine knows already to just tell them I left the job and she has no forwarding info.
Its a pain in the a$$, but really its just words.

Once they get your letters you will never hear from them again. They won't risk a law suit.

My line is direct, unless they go through switchboard. I live in NC and the company is quickest-cash-advance. Thanks guys sweating a bullet for a minute.

Anytime! Do not worry, they cannot do a thing to collect.

safte, my line is direct and I just tell them I no longer work here or I am not here righ now, can I take a message. It can be quite amusing.

Sfate, stop sweating. This is really small stuff. Its actually fun to see how many excused you can give these people. I love thinking of new things to tell them. I used to get upset also, and sometimes still do, but for the most part I have learned to calm down about the calls.

BEWARE - quickest cash advance is MTE Financial.

sfate, let me jump in here. I recently received a collection notice from National Credit Adjusters. They are trying to collect on an illegal pdl that they "bought". Dispute the collection agency. Demand debt validation. I included in mine that I'm sorry they bought an illegal loan that is basically uncollectable. Sorry about their luck, but I still asked for debt validation. I faxed it and also sent it certified mail. I also filed complaints with all the agencies regarding their collection efforts on an illegal debt. Do this. You need documentation of everything. Especially if it's quickest-cash-advance. Too slick and slimy. Don't put anything past them. And National Credit Adjusters are just as bad. You need to send them a letter demanding a debt validation (they'll never be able to validate that stupid illegal debt). However, you will have documenation. You need to file complaints with the agencies. You especially need to file with your state AG against them. Watch out. I've had a collection agency hit my credit report. Yes, an illegal collection agency collecting on an overpaid, refunded illegal loan. I have all documentation & fired off a nasty assed letter to them, filed complaints with all agencies, and disputed it with the credit bureaus. The idiot collection agency is already freaking out emailing me trying to cover their ass. Do this, sfate. You need documentation. Especially if they decide to hit your credit report.

Cannr, a PDL hit your credit report??? I can't believe it, great another thing to worry about!! That's horrible!

It is amazing isn't it, how these IPDLS cause problems everywhere. It really just does not affect our bank accounts, but rather so many other aspects of our lives.If we only knew then what we know now, how much easier oue lives would be.

Well, if a illegal PDL hits your credit report, then there's a lot of action that can be taken. I am assuming it's the collection agency that is on Cannr's report. That's a big time violation of the fdcpa since they are collection for an illegal unlicensed company. I would sue their pants off. Contact an attorney and get going on it!! They can be fined $1,000 per violation.

hey sfate i just read your post, i sent out my letters the same day a got a collection notice from them. that was over a week ago. i have not heard from them since.

Thanks, guys. Yes, an illegal collection agency reported an illegal debt on my credit report. Amazing, isn't it? Totally unreal. However, I've been going back and forth with the collection agency that did this and have them stating in writing that they are removing it from all three credit bureus within 30 days. However, I have already filed complaints with all agencies and got the AG on it regarding them breaking federal and state laws. The CA never even contacted me. They never validated the debt. They just reported me to the credit bureaus. The "legal department" of the CA is who I've been communicating with. And they are so trying to cover their ass. However, the complaints have already been filed and mailed off. Sorry about their luck. They broke the laws. Hopefully something good will come out of this. I'll be sending an updated version of my complaint to the AG by the end of this week with my emails from the CA.

Do you mind if I ask, was the collection agency NCA?

I know this is little late in the game but I work for a law firm and people should really look up the "Fair 1" because alot of these sleeze balls are breaking so many laws against the particular act.

I know this is little late in the game but I work for a law firm and people should really look up the "Fair Debt Collection Act" because alot of these sleeze balls are breaking so many laws against the particular act.

I know this is little late in the game but I work for a law firm and people should really look up the "Fair Debt Collection Act" because alot of these sleeze balls are breaking so many laws against the particular act.

I too was harassed by NCA trying to collect on a debt they purchased from an illegal pdl lender.
I asked them if they made it a habit of trying to collect on loans that were made illegally.
I filed a complaint with the ACA against them.
In 2 letters they outright lied.
I replied back to the ACA after their 2 letters and told them I felt like it was my word against theirs (NCA) and they did nothing but lie.
I told the woman at ACA to take some time to do an internet search on NCA and see what they are doing to people. I also printed and included some of this info to her.
She told me she is forwarding everything I sent her to their legal dept. to look at.
The bottom line is that NCA will abuse people and then lie to try to look as if they have done nothing wrong.
Please file a complaint with the ACA-the Association of Credit and Collection Professionals.
I can't believe the ACA actually accepted NCA as a member of their organization. Apparently they don't know about their unethical reputation.

I defaulted on a $225 loan in 2007. National Credit Adjusters refuses to give me a fax #. The lady from NCA is threatening to sue me. Will they sue me over a $225 loan? This is not my first conversation with this group. I put them off in March and on May 11 asked them to send me a debt verification. They sent me something back saying they owned the debt. I'm so tired of ipdl's. I wish I had never borrowed anything from them. She said they would work out a payment plan but I would have to pay back 303.75. Should I give them my checking account number just to keep them from calling?

NO,NO,NO and GOD NO.they will bleed the account dry.if you really want to pay them get it in writing.the amount,the address to send the money,and the agreement that they will send a PIF.never give anyone your bank info over the phone.they are calling because that is all they can do.do not give them your bank info.i can't say it enough.

The lady at National Credit Adjusters said that if she didn't hear back from me by tomorrow morning that she would mark as refusal so they could file suit. She further stated that Louisiana was a garnishment state and they would get their money. It's my understanding that QCA is an illegal lender. So if NCA bought an illegal debt can they still sue me for it? How do the courts look at this? God, if I had the money to pay it back right now I would. But I don't. This lady nit picked every word I said. IF I said the word "we", she asked if I was married, which I'm not. So I knew then she was looking for someone else's wages to attack. Are they relentless or what?

the only way they can sue and win is to not serve you or serve you incorrectly.then you have whatever judgement vacated due to improper service.see how it works.they are really pressing the lawsuit because it was an illegal loan and doing some digging.they are not a licensed collector.do not give them a dime.file AG and FTC complaints againts them asap.

have any of the illegals or CA's they use ever had B$lls to sue? I just can't imagine they would

Just my luck they would sue. I could lose my job. Thanks for your help guys. This is a great forum. What do I need to file with the AG and FTC?

Please file a complaint with ACA Int'l. also.
NCA is one of their members and when I filed my complaint, NCA backed off real fast.
All I had to do was ask for a debt validation (which I never got) and a copy of the lender's license through ACA.
NCA is known to collect for illegal PDL's.

What is ACA International ?

Here is the link to their website:
www.acainternational.org.
They are the Association of Credit and Collection Professionals.
They take complaints against their members very seriously.
They also have the capability for you to search to see if someone is a member.
Most companies that are a member of this organization, will have something to that effect on their website.

Does anyone have a form letter or template to look at so I can start with the complaints against these folks? I'm not asking anyone to do it for me, just something to go by. I had an 8:30 am deadline this morning according to NCA. What do I complain about? The threats? The degrading tone of voice of the last collector? (I have another word for her but I'm trying to be nice.) The fact that they bought an illegal ipdl debt and are trying to force collect on it? Any suggestions?

If you go to the ACA link that I included in my previous post, on the home page you will see a link to click on to file a complaint. They have their own complaint form.
Make sure you note the following:
That you received no debt verification from NCA as well as a copy of the original lenders license to offer loans.
The threats and the manner they presented when contacting you.
The fact that the PDL they are attempting to collect for is operating illegally.
Any other letters such as to send to your AG's office etc. can be found on this website. There are great form letters here that you can customize for yourself.

Thanks kak213. I appreciate all that you guys to help people like me. I wish you all the best and will keep you posted on my attempt!

I have had to deal with National Credit Adjusters. These people are slime and they will and have violated all the Federal Trade Commission Laws. They are constantly being sued by someone and have been kicked out of more than one state. They filed suit and I counter filed. I can't tell you the particulars by law but I can tell you it was dismissed with prejudice.

I received a call (at work) from NCA - Jason. He said he was calling in regards to a PDL that I had in April, 2008. I asked who it was with. He told me the company name (Impact). I told him I don't have a debt with this company (already paid off), so please mail me a debt validation letter. He said ma'am we have already mailed you several, but you continue to ignore them. I stated to him that I haven't received any mail correspondence from their company. He said yes you have. You either opened it and threw it away, or just plain ol' threw it away. I said sir, I have NEVER received a letter from your company. He said well we mailed you a letter on 09/15/2010 and we have confirmation that you received it. I said did I sign for it? He said we put a tracking number on it. I said okay, well can I have the tracking number, because I'm telling you I didn't receive a letter and I want one validating the debt. He said ma'am I"m not going to give you the number. We just KNOW that you received the letter. I said how do you KNOW if I didn't sign for anything. Once again he repeated the above information. And started getting hateful. I said you know what, I will not be spoken to this way!! I"m not a child. I'm a grown adult. I pay my bills and to my knowledge this debt was paid for a long time ago. Send me a copy of the contract and the contact information for Impact. He said you can't deal with them, we have the debt now. We are done sending things to you in the mail. Are you saying that you are refusing to make arrangements today to pay this debt off? I said no, I never stated that. What I stated was I wanted a letter FROM YOUR COMPANY stating the validation of the debt. He said once again, we won't mail you anything. So are you telling me that you are refusing to make arrangements. I said I never said that (again). I will just contact Impact and see what they have to say. He said contact them all you want. We own the debt now, not them. I said the debt was originally with them AND it was paid off. He said I'm done with this. One more time I'm going to ask, ma'am are you refusing to make arrangements. I said nope I never said that. I said I want a letter stating the validation of the debt. He said I am marking your case as a refusal to pay and we will now be going forth with our case. I said whatever, you are lying because I didn't say that. I have repeated numerous times I want a validation letter. He hung up on me. So what does he mean by "we will now be going forth with our case"? Was that a threat? Did I not follow the rules to a "T"? Any assistance would be greatly appreciated!

First off, we got a call from an unlisted number stating that he was trying to get in touch with him about a summons. He wanted to make sure the address was correct and gave my husband a phone number and a name to call. It was Lisa Pratt from NCA out of NY.

Once we called her, she acted like she knew our case well and was surpised that we had no knowledge of what it was about. She told us a bad check was written at Advance America 15 years ago from Suntrust out of Alabama. She said that the summons would go out next week and that we could fight it but it would be around 5 grand and they would win or we could just pay the $640 and it would go away. She also said that the summons would show that charges of fraud and bad check charges were filed.

I got on the phone with her, he told me that my husband wasnt listening to her (which he was) and that we are liars and being rude to her. She threatened to hang up on me but what was funny was that she was the one being rude. I never raised my voice, I simply tried to explain some things to her and she just went from 5 to 10 in rude.

She said she would take a payment, a min would be $180. I told her I didnt have that and wouldnt till next week. She of course acted like she was going to work with us but again demanded to know how much we could pay today. I said $50 and so she put me on hold to speak to the "attorney", came back and said okay. She then said that a repay date would need to be set and if 1 day past the deadline and payment was not made, it would be come a criminal matter and jail. She argued with me on dates, called me a liar and then suddenly was okay with my orginal date. Oh and 1/2 way thru the conversation, she kept telling me I was being rude and that this audio recording would be made available to the courts. The problem is, she never asked for permission to record.

We paid $50 with the balance to be paid by the 30th.

However, since then, my husband and I have thought long and hard and really feel a lot of red flags are poppin.
Red flags:
1) The original called's phone was unlisted, didnt give his name or tell us where to pick the summons up, only gave us Lisa's number.
2) When we called Lisa, we told her 1/2 way thru the conversation that we had not yet gotten the summons yet and she said "I know that or else you wouldnt have called me".
3) The supposed check was written 15 yrs ago
4) When she was trying to verify my husbands account, she didnt have his social correct. Or address
5) Her sudden attitude change for dates...if its a min of $180, why did she accept $50. If next Tuesday is the dealine, why after calling me a liar did she agree openly to Friday?

I feel stupid but they make you feel stupid. They get you in the spur of the moment and make you think its now or nothing and when jail is involved, nobody wants to take that chance.

So far, I have no written documentation for this check. She claims they have video from when the check was written (15 yrs ago) and that it was verified with a photo to determine my husband is the correct person.

They are closed right now but when I called, the message said their agency is NCA and I know they are out of NY.

any help please:)
Thanks you

You have been scammed. Debts are civil, not criminal. You cannot be arrested, thrown in jail, etc. Revoke the $50.00 you have paid. Send them a cease and desist letter. File a report with your state;s AG and with the FTC.

Yes i had a debt thru this corporate. I did not pay it and ended up in cuffs. Pay or sit in cuffs

The unregistered poster is feeding you a bunch of BS. Again, follow my suggestions.

Not true at all!! PDL's have no legal right to arrest you. It sounded like (if you did have that debt) the SOL has long expired. Hence, it was illegal for them to call you in the first place. A legit company would not lower their payment after telling you what their "minimum payment" would be. Yes,...it IS a scam.

What do you all think about the first phone caller who said he had a sealed summons for my husband? The phone number did not come up on my caller ID and I think a summons would be a government number that showed up on id.

Then the only info he had was the stupid NCA number and the name Lisa Pratt. When we called her, she didnt seem surprised.

Is it likey that the 1st caller works at NCA and this is all part of the scam to put the fear of God in ya?

How legal is it that Lisa never told us she was recording the conversation until it was 3/4's done?

How do I go about getting the $50 back from a credit card?

Thanks again for all the help

What exactly are:

PDL?
FTC?
AG?

Thanks again

PDL = Payday Loan
FTC = Federal Trade Commission
AG = Attorney General

As for the $50.00 on the credit card - I would dispute the charge, Report as what was fraud....

You can call your CC company and do a chargebacvk.

Thank you all for your help, I am going to jump right on this, Monday.

Another question:
Lisa, revealed that she was "recording the conversation" when it was 3/4ths over...thats illegal, correct? She must get my permission 1st?

Also, the credit card payment she took over the phone was not mine or my husbands. She asked for the name on it and the number and charged $50 but she NEVER asked my son for permission to charge the card. Thats illegal too, right?

Again, thank you all for your help:)