logo

Debtconsolidationcare.com - the USA consumer forum

Forums
  • Latest topic

How do I stop National Credit Adjusters calling from 620-728-1486?

Date: Thu, 03/06/2008 - 04:16

Submitted by anonymous
on Thu, 03/06/2008 - 04:16

Posts: 202330 Credits: [Donate]

Total Replies: 20


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 till 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?


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.


lrhall41

Submitted by cannr on Fri, 03/07/2008 - 19:57

( Posts: 9317 | Credits: )


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 complaint. So far I have not heard a word and that was a year ago.


lrhall41

Submitted by Tweety71 on Mon, 03/10/2008 - 06:34

( Posts: 2061 | Credits: )


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)


lrhall41

Submitted by on Tue, 03/11/2008 - 03:54

( Posts: | Credits: )


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


lrhall41

Submitted by cannr on Tue, 03/11/2008 - 12:00

( Posts: 9317 | Credits: )


As a post-traumatic action of the financial kind...depending upon the strength of your complaint and their harassment, consider typing or writing a certified letter to the KANSAS State Atty General's office of Consumer Affairs and Complaints, go on-line to the State of Kansas Atty General and file a formal complaint or grievance, and with copy (cc's) at the bottom of your letter to the following... letter to the Kansas state representative for Hutchinson Kansas, the two federal US Senators for Kansas, the US Congressman for Hutchinson, and the state of kansas bureau of investigation, and the local Hutchinson police department attention Bunko/Fraud division...oh yes, as well as the director of Natl Credit Adjuster. If everyone did this...these guys would have some verrrry bright lite focused on their practices and procedures...and they very well may be forced to change their ways.


lrhall41

Submitted by on Wed, 08/19/2009 - 20:25

( Posts: | Credits: )


I think what we need to start to do as consumers is to stop looking for ways to get out of paying delinquent bills that we voluntarily enter into -- especially pay day loans. While they are illegal to solicit in certain states, the internet is wide open. So if a person 18 or over, searches out a company to obtain a loan, is granted it; do the honorable thing and pay it back. Stop crying about crying about interest, penalties and fees that would be avoided if we didn't get the loan in the first place. I could go on forever but know that one day if this keeps up we will be no better than the 3rd world nations we are out there trying to protect.


lrhall41

Submitted by WRITE THAT DOWN on Mon, 11/14/2011 - 09:53

( Posts: | Credits: )


how about getting back to the phones as you have people to harrass.doofus.another employee of said bottomfeeding slime with the old PAY YOUR BILLS post.again back to the phones drone.


lrhall41

Submitted by paulmergel on Mon, 11/14/2011 - 10:03

( Posts: 15514 | Credits: )