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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'll apologize....I had to leave the computer several times while typing the previous post and the system logged me out

Sub: #51 posted on Fri, 06/27/2008 - 05:05

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Oh my God these people are wounded beasts. Ever since Chase turned me over to them, I have received calls which range from all sorts of threats to dubious means. They threaten to start legal proceedings and nothing happens. They call and tell me that the way I spoke with one of their reps was not appropriate, and there is a restitution against me (whatever that is), they call to threaten suing me and sending the summons to my place of work, will call HR, your license will be suspended. Recently even called me on my cell and when I asked how they got my cell, I was told they have instituted an investigation on me. By the way, this is just a week after I have spent a few hours on the phone with their CAgent trying to pull some money from my account and finally I manage to pay them $1042..... Well today I called FTC for advice and have since written to them to inform them of how much I can afford to pay them monthly and also asked them to cease from all communications except through mail correspondence.

Sub: #52 posted on Wed, 08/27/2008 - 13:08


on august 7th i got a call from NES and i only had like 10 min to come up with 2100 dollars to pay a debt they lowered to 2400 and i was told if i didn't come up with the money they would garnish my check from work and send someone out to my place to see like how much the property is worth. I got scared i borrowed money from those cash places to pay the 1200 dollars gave them by routing number and checking account number this has never happened to me before and i know it was a mistake to give them all of that information a check was post dated and then another check post dated for another payment of the same amount on August 28th, 2008 and ended up closing my check account i lost my job the next day on August 8, 2008. I wrote NES a letter and put at the top of the letter CEASE COMMUNICATION. I don't want to end up losing my house and the things i have worked for i intend on paying the rest off but i have to be employeed first

Sub: #53 posted on Thu, 08/28/2008 - 18:26


Thank you for the information on the validation letter. I am sending one to NES today. These people have harrassed and threatened me at work EVERY SINGLE DAY. This is on a 6yr old credit card debt, that the original creditor has "wriiten off" It has gone around the block! The NES people have it and this debt mysteriously jumped up to $12000 yes 12 THOUSAND!! go figure? Can they do that?? Anyway I must do something to help secure my rights. Thanks for this wedsite

Sub: #54 posted on Fri, 09/05/2008 - 11:46


I am writing on behalf of my wife, at this moment she is very sick due to a various call made to my home from a person call jose luis pe????a, from a company name national enterprise system, who first , told my wife that he was a lawyer. On the evening of wed sept 24 I received a call from this piece of you know what. This sir started harrasing me because I owe them some money, the man got excited and started saying bad words to me and I told him that was not the manner to make collections. He told me that all he was interested was the money my wife owe them because ther business was making money,I told him that my wife at this moment has no income due to unemployment and I made making payments according to my capacity. He said that he was going to demand me and i told he can do whatever he wants because I am not liable and all i an doing is responding for my wife. After this i call one of ther numbers and ms maribel butler answer the call, i demand to make a complain on this man and she said that she was going to write in down. Before this happen mr pena told me that the payment i send for $1k had been returned due to no funds, i asked this lady the name of the bank and she gave me a name of a different bank and another bank account, she then asked me my account number and i told her that under any circumstances i would give her that kind of information. Now i may asked how are these kind of companies do business in the united states of america? I will keep doing my complain to differents agencies true the states cause no one is abovve the law, you cannot permit phone call were on the other side of the line ther is some king of j........ harrasing you. Try to reach this mr pollack but his email address does not works. thank you very much and you will be hearing from me. (I did this email with the consent of my wife because she does not speaks english).

Sub: #55 posted on Wed, 09/24/2008 - 17:02


RDM,if you can find the collection agency that is calling and harassing you, please post it here, someone can help you draft a letter to send them to stop the calls and harassment.

Sub: #56 posted on Thu, 09/25/2008 - 00:28


RDM stated that it was National Enterprise Systems. They have a rather questionable track record regarding fdcpa compliance.

Sub: #57 posted on Thu, 09/25/2008 - 06:56

(Posts: 2934 | Credits: )

Additionally I doubt that filing a complaint internally within the company will do any good as it's probably standard operating procedure for them. I would suggest filing complaints with the Federal Trade Commission and your state Attorney General's Office.

Sub: #58 posted on Thu, 09/25/2008 - 07:01

(Posts: 2934 | Credits: )

If you get a nasty call from NES pay no attention and call the Consumer Protection for the harassment and misrepresentation. Send A cease and Decist letter stating that you will only deal with the bank and will only converse through mail

Sub: #59 posted on Mon, 10/06/2008 - 12:18


I got my first call today from National Enterprise Systems. The first guy called and woke me up. (between 8 and 9 am) He said the amount of the bill. I was half asleep so I didn't get it down but I asked why it had went up. He said collection fees of something like $48 on a $267 bill. I kept getting interrupted when trying to explain my situation and what I could do. I then I got yelled at by this first guy about well it's your social security number and it will be going on your credit report if you don't pay it today. When I yelled don't yell at me if you want my money he hung up. I wanted to ask for a payment plan starting the 3rd. I am on a fixed income and paid once a month.
I called the company after that which is who my debt is originally with and got the collection company's number (NES) because I didn't even know their number because the call was the first I heard from them and since the guy hung up on me I never got it.
When I called NES back no one would tell me who called me the first time. This time I got a woman named Kim claiming to be a supervisor. (We were disconnected once during the call and I was able to call and get her back on the line to finish that conversation.) She claimed to know the guy but after asking for his name three times I gave up. I asked for a letter about their company since they were taking over the debt and she said it was mailed two days ago and I should get it soon. I don't have it so I asked for the address to mail payments and she said they didn't take payments any way except over the phone. She asked if I would be paying anything today. I said I can not today as I only get paid once a month and that is a couple of weeks away. She said she was going to put down that I was refusing to pay then.
I called my original debtor back and they said they (NES) do take payments by mail. My original creditor would not take my payments any longer and said I have to deal with NES. I told them that if they only take phone payments that it would be hard to collect the money because I am one of the many who do not like to give my info over the phone to strangers. I had the person I talked to make a note on the account that I was not refusing to pay that I was just having a hard time working things out with the collection company and couldn't at this time pay in full.
Then I called NES back, got the desk woman, and she sighed when she answered the phone. her voice sounded irritated (probably caller ID) anyhow I asked for an address to mail payments. She gave it to me. I then said so you do take mail payments? She said yes. I told her that Kim had just said they didn't.
I then called my original debtor back. I stated what had happened and asked if I found a way to pay the debt in full would they then accept it directly instead of sending it to NES. They said they would take payment in full if I can get it but not payments. Once again I asked for my account to be noted that I am not refusing to pay just trying to figure out how to work things out.
I don't have the full amount or wouldn't be in the situation anyhow. If I did find a way to pay them (original creditor not collection co) would that mean I no longer owe the collection fees NES is trying to charge?

Thanks to all for their stories and links. It has really been educating and will be helpful to me the next time they call which looks like will be inevitable.

My lesson on this is that if someone says get this on your credit and I will pay it don't believe them. I got stiffed with the last bill and a few others.

Sub: #60 posted on Wed, 10/15/2008 - 11:05


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