NCO and American Express
Date: Fri, 04/11/2008 - 13:41
From what I have read, they do not seem to be the nicest people to deal with. They call day and night, they are rude, and totally unprofessional. A couple of months ago my husband finally talked to a nice guy that gave him a break and allowed us to make $200 payments every 15th of the month. Well, that just lasted 2 months, and now, they are back at calling asking for their payments. It is not even the 15th and they are calling!!!!
But this gets better, this week the person that called my husband said that now we had a balance of $3,100, when we have been paying $200 for the last 3 months and they are not applying it to the balance!!!
Can they do that? This "person" told my husband that they will continue to add interest charges to our balance until it was paid in full. Are they allowed to do that???????? :evil:
I think they are FOS. Is there a letter that we can send them first, asking them for the exact terms of the agreement, because we do not want to be paying additional fees, and ask them to stop calling my husband at work.
I do not know if the "cease & desist" letter applies to this case.
Any suggestions are always welcomed.
Thanks.
Sorry I posted this in the wrong place. Can someone please move
Sorry I posted this in the wrong place. Can someone please move it to the right forum?
Thanks.
Send the C&D letter immediately by certified mail. I personally
Send the C&D letter immediately by certified mail. I personally am having a suit filed against them for numerous fdcpa violations. They are the worst! They called me after receiving th letter a month or two later like they forgot. They never validated the debt. If you can get an attorney to handle this on contingency it may pay off in the long run for you. They may wind up owing you more than you owe Amex.
I can't move it. I am not assigned to this Forum. Someone will e
I can't move it. I am not assigned to this Forum. Someone will eventually.
Do you have their address that I can send the C&D letter to? Als
Do you have their address that I can send the C&D letter to? Also, there is a template letter somewhere here, right?
Can I send a "Cease and Desist" and a "debt validation" letter a
Can I send a "Cease and Desist" and a "debt validation" letter all in one? Or should I send them in 2 separate documents. I thought that I could put all the requests in one letter.
Please let me kow what you guys think of that?
Yes you can put both into one letter. there are several samples
Yes you can put both into one letter. there are several samples out there and you can see some on the 'do it yourself' section. This is the perfect example of why a DV is so needed! You want to make sure that whatever they are charging is legal, I can't see how making $200 payments every month and not a penny of it applied to the balance? That seems suspicious to me.
Thanks. I just found the letter in the section that you mention.
Thanks. I just found the letter in the section that you mention. I am writing it up and ready to send.
Thanks so much!!!!!
Per fdcpa it is your right to decide where the payment gets appl
Per fdcpa it is your right to decide where the payment gets applied to and to which account.
NCO doesn't just handle old charged off debts. They also handle
NCO doesn't just handle old charged off debts. They also handle pre-charge off debts as well. I would contact your creditor and ask if you are still receiving late and interest fee's, if so that would explain the balance changing.
