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Graham Noble and Associates

Submitted by on Wed, 10/03/2007 - 07:27
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I got a phone call from "Inspector" Bill Stewart with Graham Noble and Associates and boy was it illegal. Not only did he give out my name, birth date, and social security number to me before he knew it was me but he also threatened to have me arrested (as if). I don't know where this guy got his info from, but I would sure like to get his. What I don't know about, is why he is "filing charges" against me in Texas when I have never lived in Texas. The original creditor is based in Texas but this account is well past the SOL in Utah (4 years) and is in the last year on my credit report. He proceeded to tell me that I should think about where I wanted to put my kids (since he "knew" I had kids) and what a bad parent I was. He got irate when I wouldn't say what he wanted me to say. I never acknowledged the debt and just kept saying "what is this in regards to". Pretty funny if you ask me. He claimed that he had all the information he needed and said the Sheriff would be at my door in a few days. Yeah right. This guy and Graham Noble and Associates needs to be shut down or at least fined. The business licence in Utah has even expired. Anyone else deal with these people?


When reading about and experiencing some of the sleazy methods that these predatory debt collectors use, I wish that there could be a national moratorium on debt collection. At least from two to three months. There has been one on Foreclosures. In that time period, hearings should be convened on Capital Hill, and new legislation drawn up to make debt collectors register with the federal govt, and anyone with a criminal background or any debt collectors that have been sued or have been found to violate the law would be placed on Probation,(....ie placed on review for possible sanctions, which could include being fined.. and or shut down, possible criminal prosecution of those that may have blatantly broken debt collection laws or undergo restructuring....Paying fines for violation of collection laws and retraining of agents to follow Fair Debt Collection practices....and being placed on federal watchlist)....All calls could possibly be monitored by feds as well, for those debt collectors on watchlist..) Debt collectors should have to pass extensive background checks before licensing, and would only be allowed to collect on a debt for two yrs. after charge off, and any attempt to collect the debt beyond that would be considered a misdemeanor with fines and possible jail time by the owner of the company and the agent/s attempting to collect on the debt. Personal bank accts should be exempt from garnishment and Debt management companies should be used as mediators to both validate and to work out repayment schedule. The Arbitration forum should either be done over or totally dismantled. Also in this system, those owners of debt collection agencies that have been closed down due to illegal activity will not be able to open another one. The owners of these companies would be placed on watchlists and their names would be available online to anyone anywhere when they went in to apply for licensing. If they attempted to open up another collection agency or to collect on debts after having license to do so revoked due to closing of prior debt collection company by the feds,they would be charged with a felony and face fines and jail time.


Submitted by meircats on Wed, 06/10/2009 - 19:51

meircats

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I AGREE!!!


Submitted by on Thu, 06/11/2009 - 02:36

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Yes, just what we need - yet *another* massive bureaucracy. No, we need to scream and shout to Congress to get cracking and pass a stronger FDCPA with bigger fines and stronger penalties. Firstly, if a collector is found to violate the FDCPA, they should be fired, fined, and a mark put on their records to make sure that they can never get into another job that requires trust again.They should flip burgers and struggle to pay their bills, it would serve them right.


Submitted by Chrys Henderson on Thu, 06/11/2009 - 23:24

Chrys Henderson

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Debt collectors that break the law should get the Bernie Madoff treatment. He's in jail although it took some time to get him in there. A few heads of these banks that are reaping the benefits of the bailouts should also be getting a jail house vacation. They get tax payer money to bail them out, and use it to bully and harass cash strapped consumers!


Submitted by meircats on Mon, 06/15/2009 - 18:50

meircats

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Why not force Collection Agencies to have their employees federally bonded? Banks have to do it. They have to pass background checks, sign legal documents that have stiff penalties if they use the information they have for any kind of fradulent activity. With the FDCPA, most of the activities in these threads would be illegal. Losing federal bonding means more then likely the person who lost it (ie, the collector) will rarely pass a background check again. It will be much harder for them to get a job and so forth. Plus, federal bonding gets the government involved and ideally will protect our personal information better.

A collection agency that has to many collector's federal bonding revoked would be penalized, just like banks go through.


Submitted by on Tue, 06/16/2009 - 12:06

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These a**hol** called my grandmother in law and gave her my detailed information about 2 months ago! I just got off the phone with them, they called 2 months ago claiming I owed money on an old Citibank card which I had over 6 years ago. I stupidly believed them and so I gave them payment information. After I saw the "real" name on my pending bank charges I started researching them and found all of this information. I quickly called my bank and cancelled that charge and my debit card! I'm so mad at myself for falling for this but the threats of court and judgements, etc...scared me because we are trying to purchase a home. I can't wait for them to call me and threaten me again. Watch out! I was suspicious of them in the beginning and should have done my research then!! What is the matter with people?!?!?


Submitted by on Tue, 06/23/2009 - 08:12

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These a**hol** called my grandmother in law and gave her my detailed information about 2 months ago! I just got off the phone with them, they called 2 months ago claiming I owed money on an old Citibank card which I had over 6 years ago. I stupidly believed them and so I gave them payment information. After I saw the "real" name on my pending bank charges I started researching them and found all of this information. I quickly called my bank and cancelled that charge and my debit card! I'm so mad at myself for falling for this but the threats of court and judgements, etc...scared me because we are trying to purchase a home. I can't wait for them to call me and threaten me again. Watch out! I was suspicious of them in the beginning and should have done my research then!! What is the matter with people?!?!?


Submitted by on Tue, 06/23/2009 - 08:12

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Frustrated,

I understand your point, too - yet banks are stilled filled with incompetent and rude employees. I still say a black mark on your records so you can't get another job of trust is the best deterrent. A collector makes quite a chunk of change, so they will think five times before they shoot off their mouth, if they know they'll have to struggle for pennies because of it. Hit 'em where it hurts.

Mad in cali,
That was a flagrant violation of the FDCPA not to mention your right to privacy.


Submitted by Chrys Henderson on Tue, 06/23/2009 - 21:50

Chrys Henderson

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3411 bailey st buffalo, ny 14215 address they really are graham beagle and associates they changed there name


Submitted by on Mon, 06/29/2009 - 20:29

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It looks like they were both licensed around the same time:

(take out the spaces due to the stupid censorship software...)

"http://apps ext8.dos.state.ny.us/corp_public/CORPSEARCH.ENTITY_INFORMATION?p_nameid=3195912&p_corpid=3188370&p_entity_name=noble&p_name_type=%25&p_search_type=CONTAINS&p_srch_results_page=3"

"http://apps ext8.dos.state.ny.us/corp_public/CORPSEARCH.ENTITY_INFORMATION?p_nameid=3207533&p_corpid=3203741&p_entity_name=Graham&p_name_type=A&p_search_type=BEGINS&p_srch_results_page=2"


Submitted by Chrys Henderson on Mon, 06/29/2009 - 21:44

Chrys Henderson

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