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Help me with this one..

Date: Sun, 07/30/2006 - 14:52

Submitted by finsfan13
on Sun, 07/30/2006 - 14:52

Posts: 6919 Credits: [Donate]

Total Replies: 15


I have pretty good credit, just a few black marks here and there..I've been working on getting rid of those things, and my credit should be excellent by this time next year. One of the black marks I have is an outstanding bill for an old credit card.

At the beginning of the week, my mom calls and says someone left a message for me at her house to "call the office". They gave a number, that's it. So I called the number, and it was a collection agency named OSI. I then got into a 45 minute discussion with a man who kept calling me "dear" And "babe". He informed me I owed $179 for the credit card. I'm sure that I do owe this, but I wanted it validated, and I told him so. He said "that's fine, but lets do a post-dated check over the phone today, so when you get the validation you can call and give the go-ahead." Um, no...I told him that wouldn't work, I'd send him a money order as soon as I got validation. He argued with me..Telling me that the check would be post dated. I said how do I know that? It's over the phone! He says "you're just going to have to trust me". I hung up.

I wrote a validation letter, and sent it to them. They call me every day now. I won't answer until I get that validation. They're leaving messages saying that it's going to be charged off because I refuse to make arrangements..They even called today, Sunday!!

So anyway..2 questions..Anyone ever heard of them, and is it REALLY against the law for a CA to call on a Sunday?


You can request no phone calls on Sunday. OSI is one of the worst collection agencies. They tried to collect on one of our pdls and they are the most rude collectors out there. THey will harass on the phone at home and at work. They have no regard for the fdcpa. Here is some info for you.

Locations: More than 65 offices in 25 states, plus Canada, Mexico and Puerto Rico, as well as associates based on-site at client locations.


Companies: OSI Collection Services, Inc.
Transworld Systems Inc.
North Shore Agency, Inc.
OSI Outsourcing Services, Inc.
OSI Education Services, Inc.
RWC Consulting Group, LLC
Qualink, Inc.
University Accounting Service, LLC
Coast to Coast Consulting, LLC
Jennifer Loomis & Associates, Inc.
Federal Collection Bureau, S.A. de C.V.
OSI Portfolio Services, Inc.
OSI Recovery Solutions, Inc.
OSI Outsourcing Services International, Inc.

I am assuming these are the names they go by. Also, check the BBB regarding OSI. They have an unsatisfatory record in almost all their locations.


lrhall41

Submitted by Not so Lucky on Sun, 07/30/2006 - 20:51

( Posts: 3041 | Credits: )


Yanno what would be great?

What if there were an organization that rode herd on the CA's and you could call THEM at the most inopportune times and be rude and degrading to them and make THEM feel like whale snot. THAT, would be cool. Of course, it would also drag you down to their level, and that's not even worth it to me. But the look on some of their faces....heh heh heh


lrhall41

Submitted by CodeRed on Sun, 07/30/2006 - 21:33

( Posts: 19 | Credits: )


Way to go fin!
I would answer one of their calls when you think they've received your validation letter. If they say they have not, then get their fax number and fax them one!
See if they will fax back a validation for the debt too while they're at it, then this can be resolved immediately.


lrhall41

Submitted by erzeke1 on Mon, 07/31/2006 - 07:28

( Posts: 1145 | Credits: )


As far as Sunday goes, as long as the calls were made between 8AM and 9PM where you live, they were fdcpa compliant. God may rest on Sunday, but nothing in the Act says collectors have to do so. However, states can add more consumer protections to the FDCPA. (They just can't reduce them.) You may want to check Michigan's version of the Act.

Some relevant excerpts from the FDCPA vis-a-vis debt collectors soliciting post-dated checks:
Quote:


"A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

. . .

(2) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
(3) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
(4) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

15 USCS ?? 1692f"


http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm


lrhall41

Submitted by on Mon, 07/31/2006 - 12:01

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35 states in US allow recording of the debt collection phone calls secretly. You have to check if you are residing in one of these states if you plan to do the recording secretly.

Quote:

Secretly recording a phone conversation is legal in : Alabama, Alaska, Arizona, Arkansas, Colorado, District of Columbia, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin and Wyoming.


lrhall41

Submitted by BuildingWealth on Mon, 07/31/2006 - 17:59

( Posts: 491 | Credits: )


Nope.

No go. If I tell him I'm recording, I bet he wouldn't call me "babe" anymore! These people are a hoot..There a two people who leave messages for me,a man and a woman. You wouldn't even believe their grammar. And get this..The man's name is Phil Killgas. Please! Don't you think he could've done better than that?


lrhall41

Submitted by finsfan13 on Mon, 07/31/2006 - 18:05

( Posts: 6919 | Credits: )