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National Enterprise Systems: How to deal with this debt collector

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HEllo and thank you for this valuable resource!

I'm having some trouble with National Enterprise Systems.

They have been calling several times a day for weeks. I have had some shouting matches with them and they have threatened to call every single morning, first thing "so we're the first thing you think of when you wake up."

So when I did get a contact there and discuss my debt, she threatened "legal proceedings" if they don't get a resolution immediately.

I was scared and gave her my bank info for an initial payment after the holiday. Now I think that was a very bad idea (read somewhere that they will often take more than was agreed), and am scared about what they might do.

They keep calling constantly. When I try to get this particular contact on the phone, she is always busy.

What should I be doing here?




I made an agreement with NES that if I paid by a certain date that I could get a discount and my account would be settled in full.. I just check my acct with the other people and it states that i still have a large balance to be paid. I have a letter dated before I made the payment, who is at fault NES or the other company.

Sub: #181 posted on Fri, 03/12/2010 - 18:36

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I received a phone call from Mike Miller at NES this week for a balance owed to Toyota Financial. My car was repo'd in January. He reduced the balance of $2200 to $1300. I thought this was a golden opportunity to pay my old car off and be done with it. I naively gave them my routing and checking account number. I don't have the money to pay the $1300 at all. I got nervous and agreed to it because I didn't know what else to do! I felt cornered and now I feel foolish and scared that I won't have money to pay for gas and food.

Now I'm reading all of these posts in this forum and am feeling dizzy and sick to my stomach. It's 3/18/10 and they're supposed to withdraw the funds on 3/26/10. I'm so stressed out and don't know what to do.

Is closing my account and opening another one so they don't get any money illegal? This is what my bank and some friends have advised. I'm nervous about doing this.

Do I send them a debt validation letter certified? I'm so uneducated about this and don't want to talk to anyone there because I don't know my rights.

Someone, anyone.. please help!

Sub: #182 posted on Thu, 03/18/2010 - 06:55

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I'm not paying anyone back....

Sub: #183 posted on Fri, 03/19/2010 - 10:28

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Quote:
Originally Posted by Anonymous
I'm not paying anyone back....


good for you.:rolleyes::rolleyes:don't post again if that's the case.

Sub: #184 posted on Fri, 03/19/2010 - 12:39

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15514 | Credits: )

I JUST got a second call from this company; YOU KNOW them, as they said and threatened exactly what you said. I don't know the account #, they say that the credit card company is threatening to sue me. The lady (debateable) on the phone demanded my phone number at home, I told her I didn't have one. She asked what did I do during the months I was off work. She said to get my dad (where I stayed) to put my balance on his card, then I could pay off his card. She demanded his phone number! She went from hateful to RUDE when I wouldn't give her a phone number, saying, "Well, how am I going to call you if you won't give me a phone number?" I said, "You won't." She became angrier and angrier. I "smelled a rat" at that, so I asked for information about the company, other questions. She said I had until 4 PM today to do something about my delinquent account and started to hang up! I almost missed her, but she heard me and came back to the phone. I said, "You want to give me a phone number to call?" She said, "Oh, a phone number." She gave it to me and hung up. I intend to do something about these people! The bank I owe? I'm going to CALL THEM and work it out. To heck with that ol' bitty!!!
Do you have any other advice? I'm going to check out everything you say in the article about "dealing" with this company, to include recording them. I believe she just broke the law.... Thanks for this site, I sure do need it today!!!

Sub: #185 posted on Thu, 03/25/2010 - 09:15

Unregistered


I JUST got a second call from this company; YOU KNOW them, as they said and threatened exactly what you said. I don't know the account #, they say that the credit card company is threatening to sue me. The lady (debateable) on the phone demanded my phone number at home, I told her I didn't have one. She asked what did I do during the months I was off work. She said to get my dad (where I stayed) to put my balance on his card, then I could pay off his card. She demanded his phone number! She went from hateful to RUDE when I wouldn't give her a phone number, saying, "Well, how am I going to call you if you won't give me a phone number?" I said, "You won't." She became angrier and angrier. I "smelled a rat" at that, so I asked for information about the company, other questions. She said I had until 4 PM today to do something about my delinquent account and started to hang up! I almost missed her, but she heard me and came back to the phone. I said, "You want to give me a phone number to call?" She said, "Oh, a phone number." She gave it to me and hung up. I intend to do something about these people! The bank I owe? I'm going to CALL THEM and work it out. To heck with that ol' bitty!!!
Do you have any other advice? I'm going to check out everything you say in the article about "dealing" with this company, to include recording them. I believe she just broke the law.... Thanks for this site, I sure do need it today!!!

Sub: #186 posted on Thu, 03/25/2010 - 09:17

Unregistered



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