ucb inc

i freaking cannot stand that company .. theres a lot of good info on here tho

I haven't dealt with them, so no personal news :) but what i have heard about them is that they does a lot of third party contingency collections for Citibank.

It is no doubt true that all collection agencies are rude, but you need to handle them efficiently without allowing them to dominate you over the phone. You should file a complaint against them with the FTC either through their website by visiting the link "https://www.ftccomplaintassistant.gov/" or by calling them at their toll free number 1-877-382-4357.

Did you use one of these addresses? Did you send it by Certified Mail, Return Receipt Requested? If not, send them another one.

United Collections Bureau
4100 Horizons Drive, Suite 101
Columbus Ohio 43220
Phone Number: 800-320-7199

United Collections Bureau
5620 Southwyck Boulevard
Toledo Ohio 43614
Phone Number: 800-866-6228

WOW, they just *love* to get sued! 192 lawsuits filed against them by wronged (alleged) debtors!
"http://dockets.justia.com/search?query=United+Collection+Bureau"

Also file a complaint with your state Attorney General's office.

yep dv & cd was sent ccrm mail but that does not matter to them...they told me yesterday when i picked up there call, that they as of yesterday, sent my file for legal action and that they sent the employment verification paperwork out for garnishment w/out any summons/court order ect. but would not tell me whom their attorney is-its just an inhouse one!! but i am sending another dv letter today rrcm..can they continue to sue me if thats what they are doing w/out responding to dv letter first???

If they are violating the C&D, get an attorney and sue! They do pay out nicely!!! Document, document!!

Tell your work about it, too. All they can do is ask for a voluntary wage assignment.

And yes, I would sue them. They like it. You may as well turn the tables on them and get paid $1000 plus possible court costs and attorney fees.

Filing a suit *is* considered collection activity according to the FTC so you got them there. Contacting you without sending any verification of the debt is another.

The problem here is that you sent them a C&D and a request for Debt Validation. These are 2 entirely different things. You can't say "Don't contact me" and "send me validation". There is no basis for a limited C&D in the FDCPA. It is a full cease comm or nothing. They can either ignore it completely or take it as a full cease comm. That opens you up to a lawsuit so no violation.

The original post said C&D letter (the DV wasn't mentioned until the 2nd post) so nice catch there! :)

Please clarify, guest.

i sent limited c&d stipulating contact to be made by usps mail and in writing for documentation purposes..

Sounds like they took your request for limitation of contact as a full cease comm and are now preparing to file suit.

can they sue me without providing validation as i requested though?

Since they took your "limited C&D" as a full cease comm they can now file. You will need to request validation at that point in the form of Discovery during litigation. Never add a limited C&D to a DV request for just this reason. Simply state that "All calls to my employer place my employment in jeopardy" and "All calls to my home and cell are recorded". They have to honor no calls to work and adding the line about recording covers any 2 party state recording laws.

but my form clearly does not cease all communication...it says i don't accept calls to home or work...and all communication from this point forward must be done in writing...how in the world could they infer that as a full c&d letter.....i also requested dv in that letter and got nothing...mind you this was in the first 30 days of contact by ca...i don't get them, i clearly stated in my letter that if debt could be vlaidated then i would voluntarily make payment arrangements, why would they go to sue someone who actually wants to pay the debt if its mine!!!!

As I stated, there is no basis for limiting contact to USPS only in the FDCPA Sec 805:

(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except --

(1) to advise the consumer that the debt collector's further efforts are being terminated;

(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or

(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

I have never personally dealt with UCB but LVNV will take any limitation as a full cease comm. Apparently, UCB has taken the same stance.