National Check Restitution Service

they are like CHECK RESOLUTION,ADMINISTRATION,etc..etc.you are right about the one poster.shills are everywhere,but this is a bottomfeeder that preys on people,and is counting on them just giving them bank info based on fear.if you ever get caught talking to them.demand something in writing.then hang up,and don't speak to them again.i also couldn't find a thing with any search.tells you something..doesn't it.

This is what I found for National Check Restitution Service.
http://ncrsi.com/Home_Page.html
Looks to be like a new company since none of the testimonials have been added.


Didn't find anything for ACD Group but I did find a ACM Group (Assest Capital Management Group) i.e. collection agency

I know it's not much but that's what I've found out.

But what if is wasnt a shill and someone really did get sued by them. It is scary

sorry,but of all the posts that is the only one saying that.my shill alarm goes off on that.

I also received a call yesterday from a David Ryan on my answering machine claiming to have received a fax on me from the company. I am glad other people have also because I was scared at first receiving this threatening phone call. He claimed that if I didn't contact the company that there would be legal action. I find it odd that I have never received any mail or anything in writing from them. They just call out of the blue. Debt agencies always send mail and make phone calls. I sent them a letter stating that I needed to see this in writing. So I will wait and see if they send me anything. I did some research and looked up this company. All I found was negative responses making this look like some kind of scam. They also received an F grade from the better business bureau.

Received a message from my family members today regarding this National Check Restitution Service. Claimed I was being served for 1,400.00 on a 300.00 loan with check n go. Yes, I know I owe the debt (totally forgot about it), but I never received any official validation in the mail. They said I can settle for 500.00. When asked if they can validate it, said they'll send via email. I called check n' go and they are not affiliated with them! Also, they claimed the check is for a closed account since 2008. By California (where I am) law, any payday loan company could not prosecute the check writer as writing a bad check. Please help! Any advice would be great! Also, did anyone ever get "served" from this company? After they posted this reply?

well, even if they were not a shill, which i sincerely doubt is even a possibility, i still would never in a million years give anyone my banking information over the phone. even if a company is legit, they still must send something in writing for me to even consider speaking to them/
to the poster above me, if you were going to be served, they would not call you to warn you, they would just send a process server or a sheriff officer with papers for you to sign for. if you really want to know if you will be served you can call superior court and asked if they have a judgement or docket number in your name.
i would request validation and tell them an email will not cut it.. they need to send you something on their letterhead proving they have this debt. is check n go a storefront? have you contacted their corporate office?

No, they aren't real. Bad checks are a criminal matter. If they were in any way serious about this, they'd go to the police, not a "lawyer".

Okay, I asked them to send something to me to validate the debt. They then sent something via email. However, on the original conversation they stated the name check n go, however on the email it states cash n' go. At this point I am so confused! Do I ask them to send me the original documents with my signature? Any advice is great!

yes,request anything be sent snail mail.also yes request the original docs with your signature on them.

If you're worried, call them and record it... tell them they're being recorded then demand the original documents along with their "lawyer's" bar # by mail and mail only.

Okay, now I called Cash n' go the original creditor they have listed and they still have my account (weird thing is earlier they mentioned check n' go) so what do i do? Do I call this NCRS and let them know I know something is not right?

I got a message from these people yesterday. I sincerely doubt they are operating on the up and up. I haven't written a "bad check" because that is a criminal matter. That implies that I was fraudulently passing checks on a closed account or something. So, strike one that made me suspicious, their use of words. But now I'm super suspicious. The most recent guy's message was pleasant enough, so I wrote down the info. But then my dad called and he received a call from this guy as well. Huh? He provided my dad with the same level of information as he did on the message for me. Which is really interesting because you aren't allowed to do that last time I checked. My dad's number is in no way, shape or form listed anywhere on anything I've ever remotely applied for, I haven't lived with him since I was in elementary school, so even an old phone number isn't a number he had. I also have a hard time believing that the people who they said this debt is with would work with a fairly suspect company. So, real interesting.

Should I call them back, ask them to send information on the debt in writing via US mail and then hang up? I would like phone calls to other people to stop and it seems like maybe they are going to be calling people they have no business calling.

This company has been calling my grandparents home where I have a very ill grandmother and telling her that I am going to jail and so and so fourth concerning a payday loan as well. I will be notifying the BBB about this company. I am also going to renew my subscription to Pre-paid legal because I am sick of being harrassed by these so called debt collectors. Pay all your bills on time so you will not have to endure from people such as these!

Same thing they call and say they are serving me at my job in tomorrow morning. I called the court system and they have no summons for me to be served. I think it is just a scare tactic and they are bottom feeders that have nothing better to do than scare people. I do have an unpaid payday loan with Check N Go and I have contacted them but they aren't suing me. It is bad debt, and I will pay off once I am able. I am the only one working in my household and there are so many other bills more important than this. I hate bill collectors, but what can you do.....this is very scary.

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Did anyone get an address on National Check Restitution Service? I called them, wouldn't give name or account number, just wanted an address and they wouldn't give one. Right there is highly questionable.

The call I made to them before that, the guy was perfectly nice actually, but he really stumbled giving me the address, didn't know it the way you would know your work address and not even that exact, said they would send me debt validation, I doubt it will be what I'm asking for, so I will have to send them a DV letter myself anyway. The address they gave me (636 North French Road, Amherst, NY) is suspiciously not easy to find on the internet, and when I did look it up on here, I found it to be the same address given for Giove Law Office, which apparently has some highly suspicious practices according to the thread I found (and have no trouble believing).

Okay so no one showed up today to serve me papers or anything. I haven't received any calls today either Thank God, but I don't think this is over.

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reporting this outfit to the BBB or the corporate office would be just as effective as reporting the mafia, IMO. "Pay me this much money by noon or you'll be arrested" sounds more like an extortion racket than legit. collection practices. If you're going to report these people to anyone, make the call to the local cops.

also, why there isn't an address for this outfit:

15 USC ? 1692e
[list of prohibited practices]

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

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So they called me on 3/2/10 saying they would be out to serve papers the morning of 3/3/10. Have not heard a word till this afternoon he says he is coming in the morning to serve me papers. I am scared but I also have read other things about these people so I won't worry too much till I actually have papers in my hand and a person would not warn you of being served they would just serve you.

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I did get served by this company I thought it was some scum wanting my bank info a week later I was served in now they wanna garnish my wages

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^^ that depends on the state... with a court order, credit card companies, etc. can garnish wages. but this place is illegal and would never get a court order.

I received a call from someone who identified himself as "Vince Fogerty" and he claimed he was calling on behalf of the National Check Restitution Services and that if (the person he was calling for) didn't call back immediately then NCRS woudl be filing paperwork to have that person charged with check fraud. The funny part is it was a male relative that has NEVER lived at my address, has a different last name and was referred to as "Miss" in the message. He also gave the fact that he was calling for a collection agency, the collection matter (bad check), when the check was written and on what bank, and the case collection number. According to state and federal laws all of the above were illegal as I am neither the debtor nor his legally authorized attorney. I called and talked to a "Shawn Lewis" and explained that I was not the debtor and I now knew more than I wanted to about the debt and that I would STRONGLY be encouraging the debtor to file charges with the state Attorney General and that I would encourage him to seek his own lawyer to collect damages from their collection practices. Also by threatening to have "charges of check fraud" they are in essense (and my opinion) leaving threats of jail time, which cannot be done according to state law. "Mr Lewis" tried to tell me that they contracted out their collections to different legal agencys and that he personally would look into the matter. I really hope people who are threatened in this manner and who have relatives being informed of the collections turn around and sue this company.

Oh, and the message from "Mr Fogerty" was left on my ANSWERING MACHINE. LOL I have it saved so there is no denying what was said.

i hate bill collectors.they call you scaring you that you have outstanding bills from years ago. Please don't give them any of your credit card info or bank. I had to cancel my credit card, which was very sad.there sad people.so what cause i owe a pay day advance, ijust start back working so when im able they'll get there money.

The same thing is happening to me. First I recieved a phone call from some man with a very heavy "indian accent". He was very rude stating that I owe a debt to a payday loan company and mentions a bank that I have never been default with and the account with them is still open. They say they have tried to withdraw the funds but are denied by the bank because the account is closed. The account is open. They had another man leave a message stating that he recieved a fax to serve me with a court summons, and he suggested that I contact National Check Restitution at 866-808-1188 or else they were coming for me on 3 Felony charges. I am glad I decided to research this BS. I am so frickin pissed. I don't know how these people got my information but I am offended that I am being harrassed in such a manner. I want to locate these people and sue them. All of a sudden they say I owe them $5,500 for a payday loan that was $200.00 MAX. I have not received any letters or phones calls for payment. Who are these people? I find thier website to be very fake, not new.

Any updates on this company?

makeachange78
Posted by a user, 7 months ago.

You cannot go to jail if you do not pay back a pay day loan they may tell you that it is a bad check but the Fair 1 section 818 states that certain checks are excluded, quote, "a postdated check presented in connection with a payday loan, or other similar transaction where the payee of the check knew that the issuer had insufficient funds at the time the check was made, drawn, or delievered." It's not check fraud or a bad check so no jail time or criminal charges can be filed it's a civial matter at that point. Pass it on.

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I've received phone calls from NCRS(or whoever they go by) in regards to similar situations you have all talked about. This is a very scary situation.

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Process Name: NATIONAL CHECK RESTITUTION SERVICE
Address: 308 BROOKSIDE TERRACE
TONAWANDA, NY 14150
County: ERIE
Filing Information
Identification Number: 3765932
Filing Date: 01/22/2009
State of Incorporation:

the guy who started this was David Riggs (he has been arrested many times in many states for fraud. i know this becouse i worked for him 15 years ago.) this is hes 3rd comp. with almost the same name. Hell in Baltimore he was arrested for doing things with little boys he should not be doing, witch is why i left that job, good luck to anyone who has to deal with this ass hole (btw if you find that a check you wrote 6 months ago or six years ago just hit your bank that was most likely him. its hes favorite way to get the money from you and you wont even know it till you see your bank statement)

checked my visa acct. this morning Found a transaction from National check Restituation in the amount of 400.00 plus tryed to contact them to find out what this payment was for and who they are???? Phone not in service.notified Visa to stop payment (am filling out fraudulant activity form)

First off NCRS is a collection company that Pay Day loan companies use to collect on defaulted loans.

They used this exact same tactic over a year ago, threataning me with a summons on a bad check case, no response will result in having me summoned at home or work, blah blah blah. Took me by surprised then so I did a little research and found out it was a pay day loan I had out a year ago. I never paid the last payment of $200 or something like that so it was a valid debt I owed. Well after this tactic I decided to give this a wait and see treatment knowing my full rights. Just as I expected, the next day I got the same message from the same guy with the same threat. Well At this point I figured you serve me or shut up. After two weeks of this same message from this same guy nothing was ever served to me and the calls stopped.

Well today a new guy with the exact same message called me. Seeing how I had forgotten about last years interaction with this company I did a little more research and concluded it was on the same pay day loan from 2 years ago now. Seeing how, Again, I know my rights and the fact nothing was ever served to me last year, they will get the same treatment of "wait and see".

Do not be fooled by this company and do not ever give them any information. My suggestion is that if you have an outstanding pay day loan debt and you want to take care of it then deal directly with the pay day loan company as they are more than happy to close an old past due account in house. They will get their money a heck of a lot faster than going through NCRS.

We recently obtained judgment against this company of approximately $28,000.00 for thier abusing and illegal collection tactics. We are currently in the process of attempting to enforce this judgment. If anyone has information related to locating this company or its assets, please contact us at in Tampa, Florida.
I removed your phone number for your protection and per the TOS, please do not post your personal information in an open forum.

Just got off the phone with Seth Miles of NCR....I am more than willing to pay this debt, but he is not being very cooperative when it comes to giving me any of his companies information, I asked him to email me a statement from his company, showing what i owe, i get a CHEESY email, with no company letter head, or address for them, i called him back and said AGAIN, how uncomfortable i am giving him my personal information over the telephone, i asked him to please send me something in writting, he said that i will be served this afternoon with a summons- we'll see what happens....their scare tactics work by the way...i'm skeeered, but would just like something in writting from them, is that so horrible??????!!!!!

no,in fact every threat is illegal.this is a bottomfeeder.file a police report then file AG,AND FTC complaints.do not pay them.they are a scam collector.

national check restitution is an unethical collector out of Buffalo ny do not send them a dime see bud hibbs web pages.

I too have been getting calls from National Check Resolution. Looks like they have changed their name a bit. They are also threatening me. This debt is from a credit card that my ex boyfriend applied for in my name without my permission. I took all of your advice and just left them a message stating that I wanted something on their company letterhead, I want the original documents with my signature on it and I want the lawyers name, address, phone number and bar#. I also told them to quit harrassing me by calling me 5 times a day. I also said that I have filed a request for info about them with the Better Business Bureau and I said that I have been checking them out on the internet and there are lots of people who are saying your company is a fraud. I'm scared, but I will not give them one dime until I know they are legitimate.

Here is the truth to all of this. I work for a collection agency and we do alot of collections for payday loan company. We send out letters first to the debtors and wait 30 days. When there is no response to the letters we make phone calls to find out if the debt can be resolved on a voluntary bases if that does not work then a judgment is filled. Plane and simple if you owe the money you must pay it back. Either you pay on your own or you can pay through the courts which usually doubles what you owe.

please spare me.you work for a law breaking bottomfeeder pure and simple.a couple things that tipped me off.

1)collection agencies can't just file judgements humanoid.in fact
2)neither can the lender,but they can take the person to court
3)i have never heard of any pdl collector unless they bought the pdl debt send a letter
4)i bet you have called people's work as well.sad.
5)legal lenders will work with the person and do their own collections.the only time an outside agency is involved is if the lender sells the debt.

so next time you want to come on and shill for a complete bottomfeeder.just know it be responded to,and debunked.now back to the phones drone.btw i'm guessing you work for this very piece of garbage,but that's just me.