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National Credit Works

Date: Wed, 04/28/2010 - 16:46

Submitted by mzneon
on Wed, 04/28/2010 - 16:46

Posts: Credits: [Donate]

Total Replies: 43


I had a payday loan through Cash Net USA back in 2008/early 2009. It has since been turned over to NCW who are requesting $631.52, this is $200 more than they original balance that I owed with Cash Net Usa. I had a total of 12 payday loans and through this website took care of 9 of them (some were illegal, some were legal), but I do have 3 legal ones remaining. After spending 6 months paying off legit payday loan debt, I turned my attention to more important credit card debt. I am now in payment arrangements with the cc companies and can not afford to have any PDLs screw up what I've worked hard to reestablish. This company has sent me no hard copy (regular postal mail) requests for this debt, only phone calls. On 4/12/10 I spoke with them and requested their corporate address and a letter of this debt be sent to me. I have to date not received this letter they claimed they sent. On 4/27/10 they contacted my employer and left a message with our IT dept Manager, whose dept i do not work in nor are our phone numbers similar. I was told today that the reason they contacted my employer is because they have not been able to get in touch with me?? They spoke to me on my cell phone number a little over 2 weeks ago and now they can't get a hold of me?? Anyways, I called them back mad that they called my employer and this is the infomation I was "provided" after been told i should stop reading things from the internet and I should be knowledgable about what I am requesting.

Ms. Thomas,

You received funds in your Vantage Credit Union checking account on February 27, 2009, account number *****993. The current total amount of your debt is $631.52. The name of the creditor to whom the debt was formerly owed is CashNet USA (account number 12200762), 200 W Jackson, Suite 1400, Chicago, IL 60606-6941.

Failure to reach our office and make arrangements to satisfy your debt will result in a recommendation to our client to pursue your debt through legal channels. You may contact Ms. Smith at extension 421.




Kindest regards,



William Scudder
National Credit Works, Inc.
4490 Holland Office Park, Suite 103
Virginia Beach, VA 23452
757-961-3417

Thurmond A. Capps II
National Credit Works Inc.
4490 Holland Office Park Suite 103
Virginia Beach, VA 23452
Email:
[EMAIL="tcapps@Nationalcreditworks.com"]tcapps@Nationalcreditworks.com[/EMAIL]
Toll Free: 866-304-7249
Local: 757-961-3417
Fax: 757-961-9950



What should I do with this company? I have been hung up on by thier supervisors and I do not think they are credible. Would someone please help?


Hi,

After reading through this, what I understand is that you do not want to avoid paying this creditor but all you want to pay is the principle amount. Please inquire if this company is legal. If it isn't then take some professional help. If needed, try getting help from the Attorney General. He can help you to pay only the principle amount if this company is illegal. If you can let us know what state you are from , we can help you further with regards to the laws of PDL companies in your state.


lrhall41

Submitted by Stephen Roberts on Wed, 04/28/2010 - 16:57

( Posts: 63 | Credits: )


Quote:

Originally Posted by Stephen Roberts
Hi,

After reading through this, what I understand is that you do not want to avoid paying this creditor but all you want to pay is the principle amount. Please inquire if this company is legal. If it isn't then take some professional help. If needed, try getting help from the Attorney General. He can help you to pay only the principle amount if this company is illegal. If you can let us know what state you are from , we can help you further with regards to the laws of PDL companies in your state.


I would like to pay this debt, but as already stated, I spent 6 months working down PDL debt. I fully intend to pay the remaining 3 but can not at this time. After doing a little more research on the company, it appears they say they mail out validation letters, but they do not. They only want your account number so they can take what they please. I am going to send them a certified letter, so they can go away. My only concern was that they were talking a big game and I can't afford to have my wages garnished. Im really close to getting back to a point where I should be able to take out a "regular credit based" personal loan within 6 months to get the rest of these monkeys off my back! Thank you for your reply.


lrhall41

Submitted by mzneon on Wed, 04/28/2010 - 17:17

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SANTA CAME EARLY THIS YEAR!!! HERE IS THE INFORMATION TO CALL THE MANAGER

OF THEIR OFFICE*******************

John Licata at National Credit Works Inc.

Phone: (716) 684-8184, (866) 618-5731 x110, 866-999-6838 x403

Email: [email]jlicata@nationalcreditworks.co[/email]

**HAVE FUN!!!


lrhall41

Submitted by on Fri, 06/25/2010 - 08:02

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So, are these guys legit or not? I've been dealing with a Mr. Dunn. He has all my account information and will settle for $350 for a payday loan from Cash Net USA. I do want to take care of this but have been called by 3 different companies saying they represent Cash Net USA. I don't know who to believe or who is legit.


lrhall41

Submitted by on Thu, 09/30/2010 - 15:26

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Quote:

Originally Posted by Anonymous
So, are these guys legit or not? I've been dealing with a Mr. Dunn. He has all my account information and will settle for $350 for a payday loan from Cash Net USA. I do want to take care of this but have been called by 3 different companies saying they represent Cash Net USA. I don't know who to believe or who is legit.


Hello,
yes this company is legit. I have recently accepted a position in their virginia office. They have obtained the account info the same way every other reputable company has, we have a lawyer in the office to handle any/all questions and concerns. The original creditor, in your case cash net usa, has sold your debt to us because they have not recieved pymnt in a substansial amount of time. our job is to retrive the original debt for our client, cash net usa, as well as reasonable fees. Most cases it is 200.00, and this is b/c there was NO PYMNT for extreme lengths in time, some as long as 3 years. It may sound unfair but honestly, when you signed the loan it was explained about late fees, missd pymnts, intrest fees. if you talley up exact numbers more times than not it more than exceeds the 200.00 we are asking.

at this point when ur file has reached our office our client is very frustrated b/c other collection companies werent able to retreive the funds. what people dont understand is at this point our clients are ready and willing to proceed with further lidigation. they are mad, they gave you money when everyone else said no on good faith you would return it in a reaosnable about of time, and it didnt happen that way. then they send it to a "nice" collection campny and you ignore them, then they send it to a "i mean business" colection company and you still refuse to repay your legal debt. at this point they send it to us, we are the "last chance" collection company. if we cant come to reasonable accomidations with you we walk down the hall and give your file to our attorneys. at this point your file is now a case b/c they are pending lidigation.

heres what you do...
BE nice!!! i can't tell you how much yelling, calling me an idiot, cursing and threating to come down here and kick my girly butt does nothing but hurt you!! i'm sorry you dont have a job, im sorry you have no funds, im sorry your bankrupt, and for the few real cases with true hardship, i am sorry. the point of the matter is you borrowed money with the promise to pay it back, now our clients lost money. 600.00 might be nothing to you but to 1,000 people who done this... thats 600,000.00 that they lost! come on now.

WE HAVE THE ABILITY TO WORK WITH YOU!!!! i dont want to take you to court, its a wasye of my time, a waste of money, and another headache i dont want to deal with hunny. I cant settle, I can make pymnt arrangements, he'll if you stop yelling long enough to listen we even have true hardship programs that can get you at 10.00 a mnth for a few months till you get some money to make pymnts. I will work with you as much as you work with me. i'll even make pymnts on ur sttlmnt, sometimes sttl for as much as 1/2 ur principal, but legally I DONT HAVE TO, legally i should get the whole amount, and depending on YOU is how much effort ill put forth.

dont give me a check you know will bounce, i loose all patience and choose to retreive the whole thing. passing bad checks is a fraud charge... you dont want to have ur paycheck taken then go to jail right, no! if you realize the moneys not there call me, i will change the amount/change the date, avoid more hassel and trouble for you... but dont take advantage... i will only do this once, maybe 2x, try me 3x and ill just give ur case to our lawyers saying here im done, ill help someone who wants to be helped.

call them, grit your teeth, smile and say you want to do this but you need help. trust me, you win more flys with honey than vingar. At the end of the day our client gets their money, either volntarily outside of court, or forcefully with a judgment and possibly garnishments or leans on your property.

hope this helps


lrhall41

Submitted by on Thu, 10/07/2010 - 20:49

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This company is full of crap! They cannot touch your property...period! Unfortunately I fell for some of their threats on a made up loan and paid some money to them. I am a mother of 3 children and she was threating that I was getting ready to go to jail and it scared me. I was dealing with Teresea. I did not even live in the state when they said the check was written and like others did not and would not give me a copy of this "debt". I have sent this information to our attorney general where I live and hope that others are not scammed by these idiots either! And to the person that works there...ya that is a great professional attitude you have there, and you need to learn to type. You are all full of crap and I dont know how you sleep at night stealing peoples money!


lrhall41

Submitted by on Thu, 11/04/2010 - 16:13

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Quote:

Originally Posted by Anonymous
So, are these guys legit or not? I've been dealing with a Mr. Dunn. He has all my account information and will settle for $350 for a payday loan from Cash Net USA. I do want to take care of this but have been called by 3 different companies saying they represent Cash Net USA. I don't know who to believe or who is legit.

It is not legit! Do not do not do not give them a penny! Look at all these websites, their ratings, and the attorney generals comments. Document all their threats and calls and send it to your own attorney general. These idiots need to be closed down and fast!


lrhall41

Submitted by on Thu, 11/04/2010 - 17:19

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Wow you are about as honest as the people I talked to from this place today.. Should I go over the FDCPA violations in a 10 minute phone call?
1. Are you a debt collector? Answer: No VIOLATION
2. Do you abide by FDCPA regulations? Answer: No we do not have to VIOLATION
3. Threaten to have me arrested! lol VIOLATION
4. Unable to provide me with original documentation in regards to the debt VIOLATION

Do I really need to go on? I hope they do try and sue me, I will file a countersuit right back at them. Also to the person that works for this company and talking about their "clients" being angry. Nice try!! Those are not your clients, the company pays pennys on the dollar to take over the debt. NCW owns the debt not the original creditor! When NCW buys the debt they fail to get all of the information that is needed under FDCPA, for example a debt collection letter perhaps? So don't make yourself look more idiotic than you already did. You have no "clients" and the "clients" do not care if you collect on it or not because they no longer own it.. Nice try though!!


lrhall41

Submitted by on Tue, 11/23/2010 - 21:44

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If you want to provide helpful information then DO NOT use offensive language, and especially in your guest user name, otherwise it will all be deleted. I can appreciate the fact that you wanted to provide info, but because of the offensive language used I had no other choice but to remove it all. If you care to articulate in an adult way, I will leave your post, if not, I will delete it. Read the terms of service for more information regarding this matter.


lrhall41

Submitted by Shazzers on Sat, 12/11/2010 - 11:43

( Posts: 17344 | Credits: )


Who is using this number and why do they claim to have a court case pending for a 360.00 debt. They only want the payment secured by going to walmart and sending them a money order. Are they legitimate or is this some kind of fraud ?

This company has called my mother, I am not sure how long they have been doing this.
When I spoke to this woman I told her to never call her , she has nothing to do with this. I did the pay day loan in 08' and have received only two calls from the original company, at that time I was nursing my father with cancer ( as he soon passed away following this) If this is truly is a legit company why the threats of law suits and court cases and such ? I have received no letters for anything. After each pay check I have only 10-15 dollars left to put gas in my car to go to work


lrhall41

Submitted by on Thu, 12/16/2010 - 12:24

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dont give them any money, they are not a legit company and they are 100% scam artists and they will be shut down by the fbi soon, john licata and doug mackinon are thieves and have broken every single fair credit act law ever and they try and scare innocent woman and children to give them money...DO NOT BE SCARED, THEY ARE COWARDS, HARASS THEM BACK AS THEY HAVE HARASSED YOU, DO NOT GIVE THEM MONEY, LEGALLY THEY CAN NOT SUE YOU, OR HAVE YOU ARRESTED OR COME TO YOUR HOME OR EVEN THREATEN YOU, BUT THEY STILL TRY...IT'S SAD..LITTLE JOHNNY BOY LICATA THINKS HE IS HOT STUFF, BUT HE IS THE LOVER OF DOUG MACKINON, I SAY THEM MAKING OUT ONCE IN A BLACK CAR ON THE SIDE OF A TRUCK STOP, STUPID THIEVES HAHAA SERIOUSLY THEY WILL BURN IN HELL LOL


lrhall41

Submitted by on Tue, 12/21/2010 - 15:57

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WOW...I am so glad not to be alone!! These people are rude, disrespectful crooks!! These people actually called my Dad;s business phone number asking for my mom so she could authorize my payment. I was furious so now they keep hanging up on my and giving me invalid ext to call them back at! I don't know what to do. I have the money to make payments to them but they are now telling me that they will no longer work with me because I missed a payment and that I have to pay a lump sum or they will take me to court! I have not seen any documentation that I even owe money, and they are calling everyone in my family!! I just don't know what to do anymore. I called that number for John Lacata so let's see if he calls me back!!!


lrhall41

Submitted by on Tue, 12/21/2010 - 19:28

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I recorded their message and put any and all numbers i find for them in a pool that the computer will pick one and call with the same exact message they sent me but 10x more often! love it.... dont worry, I work for ATT, i am calling from numbers that don't exist! (by don't exist i mean ca't exist ie.. 011-234-5678, 911-248-8594)


lrhall41

Submitted by on Sat, 02/26/2011 - 23:06

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Ha ha...you're funny...Doug owns....Like 12 Collection Agencies...They all bring him in atleast 100,000 per month in profits alone...You do the math and tell me this guy cant afford ATTY's...

You talk a big game...He buys legitimate debt and you are gonna get these guys in alot of trouble giving them false information about not having to pay their legitimate debt. Most debt takes atleast 5-7 years to go out of stat...All other debt is legitimate...Especially if the people received straight cash in their bank accounts that are "traceable".

Per the contract signed...They will be responsible for all Monetary compensation, Attorney fees, and court cost if it goes that far....If they have to appear in court...They will be served by their local process server. I have no idea why this guy thinks that payday loans arent legitimate debt?

Garnishment of wages
Leans and Judgements
Frozen accounts

are all outcomes of people trying to avoid paying back legitimate debt...This doesnt go away if you "Ignore" it...It's gets worst and eventually it catches up with you. Please dont listen to this idiot...I got my friend sued ...Listening to these idiots ...!!! Pay your debt ...Free up your conscious and please do not give these people a hard time...You know you owe it...What separates you from a "common thief"....??? The real bottom feeder is this guy posting the website!!!! Trying to convince people they shouldnt pay back their loans!!!!!


lrhall41

Submitted by on Fri, 04/01/2011 - 17:58

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Unregistered-
Clearly you are an employee who drank the koolaid of this scam. Perhaps there is somewhere a place you might be collecting valid debts, but then try calling the correct person to get the money.
I get 1-2 calls EACH DAY from this ridiculous company and have for over 6 months. They also call my mother who lives in a state I have NEVER lived in harassing her that I need to pay this debt.
Thing is. IT"S NOT MY DEBT and you guys can't seem to get this though your heads. You are not calling deadbeats, you are calling honest responsible people with very common names using bad information you pull off USA people search.
I asked for formal debt validation and received a cute letter that said "we checked with our client and validate the debt is yours." Nice try slimeballs. The debt might be legit to someone, but it's not to me. And please - stop threatening to sue me already. Actually, I wish you would so we could discuss the matter of your business practices in front of a judge. I keep a log of all the contacts you have made to me in hopes our day it court will come!!


lrhall41

Submitted by on Sun, 04/03/2011 - 17:31

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This company is listed on the BBB site. Their rating is an A- but they are not an affiliated business of the BBB. There were two complaints made to the BBB. From the looks of things, the business only was able to clear up one of them. Interesting reading to say the least.
http://www.bbb.org/norfolk/business-reviews/collection-agencies/national-credit-works-in-virginia-beach-va-90023924


lrhall41

Submitted by on Mon, 04/04/2011 - 07:48

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I am glad that you are employed by this company in this time of economic depression.

However, I have to disagree with you about the representatives being courteous and wanting to help.

First, I am not even sure I owe this debt to begin with. I have filed bankruptcy, first with chapter 7 and then refiled under chapter 13 (Not sure of my numbers) I was trying to explain this to the woman on the phone and each time I tried to explain, she would cut me off and then demand that I make payment arrangements. I explained the situation to her again, telling her that I would have my attorney fax the papers to her and asked for a fax number. She reluctantly gave me the number. She then said that I had to have the information in by 4pm today, but did not specify a time zone (which would have been helpful). I then asked to speak to her supervisor because she was being rude.

Upon speaking with the supervisor, I volunteered to set up some payment arrangements, even though I was still unsure that I owed this debt. I also stated that I would have my attorney fax the information to them in the mean time. He told me to stop talking in circles and was very happy that I could file bankruptcy numerous times (which I did not do). He then stated that they would garnish my wages and I just needed to get the faxes that they sent to the right department so they could go ahead and garnish my wages (Like I would do that willingly).

At no time was I disrespectful and I did not swear at them, even though I was getting quite angry. The two that I spoke with were unbelievably rude and obnoxious. They refused to listen to what I was telling them. They have only reached me once at work and I spoke with them explaining about the bankruptcy. I contacted my attorney and they faxed the information and this is the first I have heard of it for over two months.

If this is the company you work for, I might think of finding another job. The customer service skills are horrible and I would almost be embarrassed to admit I work for them.


lrhall41

Submitted by on Mon, 04/04/2011 - 08:44

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How do you find the President of NWC, I got a call from them today and was called a f***c*** and a f****b**** and that I was a piece of dirt and that I was stuiped. I am a signel person trying to make ends meet and I get this type of call. I don't think so I want to do something about this company and I am looking for a lawyer to help me but in the mean time I need the presidents name of the company and the email addy, Can any one help me with this


lrhall41

Submitted by on Thu, 04/14/2011 - 19:01

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You too I just talked to a ken today and he threatened me so bad I am shaking I was in the hospital for a month and now i get this crap he threatened me so bad and was cussing at me and told me he was going to take everything that I own! WORSE PART IS I PAID THIS DEBT AND HAVE A RECEIPT AND HE WONT TAKE IT AND IS GOING TO TAKE me to court.


lrhall41

Submitted by on Fri, 04/15/2011 - 07:39

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You have just given the full story on WHY people are frustrated with companies such as yours. You just admitted that your company BOUGHT the debt. Therefore you are the owner of the debt. You DO NOT represent the original company so fees and interest rates come from your company. You took a gamble and bought a portfolio of debt for pennies on the dollar and feel that you can harrass people into paying it. New Flash....for the most part those debts were paid and the company you bought it from kept assessing fees, intrests and illegally (in some states) rolled the debt over. Thats why people closed the accounts (on the advice of their banking institutions no less) and you think claiming bank fraud will intimidate the contact. Another News Flash......you most likely have limited information and are calling people at numbers that they no longer have, and the people you have information on is limited so you try to get the contact to "verify" their information. Ask them to pay by credit card or other means and then sell the debt again to another debt buyer to "recoup" your losses. All the money you take in goes to your company not the company you claim to represent and her is my favorite of all. The junk debt you bought.....you cannot verify (which you must do so when asked) so you have no way of legally claiming this debt.
Don't be fooled into paying a junk debt buyer....the original debtor has sold off your debt so you cannot work with them anymore...these guys will try to harrass you until either you give up and pay or they give up and sell and they will try to collect on anything and everything they think they can get over on you. Including trying to collect on time barred accounts....record them (if you are in a one party state) or tell them you are recording them (most likely they will hang up on you) or better yet let the messages go to voicemail. Keep a log of when they call, how many times etc. If they threaten jail, use abusive language or taking your property...go to a good consumer advocacy attorney. Why??? Because you can sue for every infraction they commit in reagrds to the "alleged debt" This forum has some good advocacy information. As for the person that works for NCW.....well good luck to you. (sound familier?)


lrhall41

Submitted by on Fri, 04/15/2011 - 14:12

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I wish I had done some research before I sent NCW money. I had my identity stolen and have an affidavit of identity theft. When I received a call from Mr. Hughes at NCW ext 107 and explained that to him, he stated that unless some payment was received, the attorneys were going to start pursuing theft of services charges, and a bunch of other bad check type charges the next day, weather or not I had the ID Affidavit & police report. I sent $100 that day and made a payment arrangement for the rest. I sent $367.00 the following week and was supposed to send $349 today. I called and spoke with Mr.McAllister at ext 102 and told him I wouldn't be sending any more money, I had spoken with an attorney and was advised that I shouldn't have paid any of the money, that as soon as I said I was the victim of ID theft, they should have asked for the Affidavit and police report and stopped the calls. He started screaming at me about how I'd rot in jail...blah blah blah. In any case, I'm reporting all of the phone calls to the AG's office. AND the principal on the pay day loan was $350. I paid $150 last July and $185 last October directly to the pdl place, plus what I paid in March--the $100 + $367 to NCW...I'd say I've paid it off. In any case, these people are horrible. I wouldn't give them a DIME if you haven't already.


lrhall41

Submitted by on Mon, 04/25/2011 - 17:23

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I also have to add that the reason I made payment in the first place is because of my employer. We have a good morals clause in our contract, and I would have lost my job immediately...no matter what the circumstances were. There was no way I could loose my job over this!


lrhall41

Submitted by on Mon, 04/25/2011 - 17:28

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i am currently being garnished by this company, oh, and my employer, a different collection agency, researched ncw, and found their license were revoked in virginia.. so i ask myself, how are they able to pursue w/ legal garnishment, when they have no license in the state of virginia..


lrhall41

Submitted by on Wed, 04/27/2011 - 20:14

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Did they make you pass any form of writing or spelling test before they hired you? I guess not. While I do appreciate your attempt at being reasonable toward the end of the horribly written mess, the truth is that you can't do a damned thing to these people. What you should do is get a real job and go back to elementary school where you can learn how to write and spell.


lrhall41

Submitted by on Thu, 04/28/2011 - 11:46

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I received a lengthy and offensive message left on my answering machine today FOR someone named Sandra....the thing is neither I nor my husband are named or have any relatives named Sandra. They must have gotten my # out of a public listing. I called back to complain and they said that they took my # out of the system and then promptly hung up on me when I asked how they got my #. I called back 3 times asking for a supervisor and was hung up on all three times. EVEN IF YOU THINK THE DEBT IS LEGIT...DO NOT PAY THESE PEOPLE!!!!


lrhall41

Submitted by on Thu, 05/05/2011 - 12:39

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obviously you work for them... first off, my debt is paid off to the original loan company and they forwarded to the ACTUAL collection agency... yet somehow NCW (National Credit Works) gets my info... and harrasses me to PAY A DEBT... they name the original loan company and the bank I used for this loan back in 2010, and have my last 4 SSN....

They aren't even professional, when I call and ask who they are and what "NCW" stood for, he yells at me demanding my name and why I am calling... LIKE, hello... I called and started with a simple question... he had no courtesy and was rude and shouting at me saying, "This is a place of business, you can't just call here asking questions. We have a lot of work to do!"... (i'm thinking, well yea, but I also have a right to know what you are and what you're doing calling me...)

They say I have a debt, but the original loan company never told me I was dealing with NCW... they gave me a different company name and number... i called that number and they recieved the funds that I had sent to the original loan company (because I did not know my debt had been sold)... and that collection agency confirmed they got the funds back in Nov 2010... so NCW is false and trying to trick me to paying them something that isn't legit...

this guy posting this statement is either an @$$ or someone working for the company NCW itself... so yeah... I say just call the original loan company if you get a call.. if you have never had a loan, ignore it... don't just take them at their word, you will be duped into paying something you never owed...


lrhall41

Submitted by on Tue, 05/17/2011 - 07:42

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I just received a call from National Credit Works and said they are going to go to the county courthouse and file a lawsuit against me. I do have an outstanding credit card bill but it is up by "statue of limitation" and I watched Suze Orman and she said 2 weeks ago that the credit card companies CANNOT sue you or do anything to you because it is only secured by a signature, it is not like a mortgage or equity line of credit.


lrhall41

Submitted by on Thu, 05/19/2011 - 12:56

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you seem to know alot about this company.T hey called several times telling me that they are going to put out a warrant for my husband and i and the thing is im not even on the loan there getting me because i told another company i would try to have some money on the loan at a certain date and they have me on recording well first of all they did not tell me they were recording me they called my house and i don't know to believe them they want me to send it money gram but what proof do i have that it will go to the loan and they want send it to another company. I just don't want to be arrested because i have small kids.


lrhall41

Submitted by on Wed, 05/25/2011 - 12:16

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You need to send them a Debt Validation letter to make sure they are even authorized to collect this debt. Do not give them any information. NEVER admit to owing a debt over the phone. I don't know what state you're in but several states don't require consent to record a phone call. Also the debt collector may have had one of those automated messages that informed you the call may be monitored for quality assurance (that means they're recording!).


lrhall41

Submitted by J L B on Wed, 05/25/2011 - 12:19

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I pay all my bills and have no outstanding debt. It is hard work to live this way and I do not take it for granted. I have a very common name however. This company has called, used foul language, accused me of fraud and other illegal activities to avoid a debt that is not me. I reported them to my state's attorney general's office. i encourage everyone else to do the same. Once the AGs tire of hearing about a company or have enough ammo to do something they will. This company has been in trouble before so every report about them helps.


lrhall41

Submitted by on Tue, 07/19/2011 - 21:14

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I am sorry for everyone's troubles. But no business company should be cursing or yelling at you. It is immoral and unethical. I have a friend who is a lawyer who works in this field and he says that "legally" this company (and no other company of this kind) can sue you for this type of debt. Only if you have a mortgage debt or a secured debt. They cannot" legally" garnish your wages. If they have called your employer or your job and you have asked them to stop, they can be sued. Be sure you are taping and/or documenting each and every conversation.

And never, never pay a debt to someone that you are not sure. If the original creditor has sold the account and they have been contacted and do not want to received the money, oh well! Do not give your hard earned money to stangers! a collection company can take your payments, keep you money (hard earned money) then sell your debt to another collector. This can go on and on and on and on!

Only pay when you know you will receive a PAID IN FULL!

Good Luck!


lrhall41

Submitted by whatyousay on Fri, 01/06/2012 - 16:31

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Here are a few new numbers if you guys want to call one of the bosses at NCW. His name is William Scudder and well he is quite the ass, but just in case you are interested:

Toll Free: 866-304-7249
Local: 757-961-3417
Fax: 757-961-9950
Cell: 757-470-9803

Yes, I would personally use the cell phone, let him see what it is like to get ton of calls to your cell phone for no reason.


lrhall41

Submitted by on Mon, 06/04/2012 - 07:58

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first of all, if you were professional there would not be so many typing errors in your letter. Second of all you are a joke. i just lost alot of money due to the threats of yur "so called " company. to the person who originally wrote the complaint, do not do a thing until you investigate. Plenty of scammers are out there and just waiting to take the little money we may have left!!:mad:


lrhall41

Submitted by on Mon, 11/26/2012 - 17:58

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