Does anyone have information on National Enterprise System?

NATIONAL ENTERPRISE SYSTEMS
29125 Solon Rd.
Solon, OH 44139

http://www.bbb.org/cleveland

Please read what the bbb of Cleveland has to say about their collections.

Thanks Tammy! A friend of mine is dealing with some eye opening experience and she got a VERY threatening phone call from this company. Thankfully I have not had to deal with collection agencies treating me this way - but I know where to go to get info (this is the BEST forum ever!). My friend thanks you too.

National Enterprise Systems Complaints
Ehwin-I am and have been dealing with NES-who also does business under LVNV who does business as Resurgent who does business as Phillips-Cowen!!! And all of them have broken several fdcpa reg.,harrass,and have also given my name to Wells Fargo to call to see if I need a loan. I have not been able to get them to give a full validation of debt or work out a payment plan with me. I hope your friend has bettet luck than I have. Good Luck :) ...Karen

Ugh - that doesn't sound good for her. They called my friend damanding settled payment in full NEXT WEEK. She said she could pay more than the settled payment if they would wait until the middle of June, but they didn't budge. I honestly think they are yanking her chain... but she's freaking out. I don't blame her - I had a medical bill company call me wanting payment in full for about a month and a half. FINALLY they worked the payment into $100 a month for 2.5 years... MUCH more manageable than $3000 all at once. Sheesh.

i've been dealing w/ them resurgent peoople myself. a bunch of mean people they lie saying i agreed to a different person that i'd actually see about getting a loan to pay off these medical bills. and i absolutely refused to do so. they say my 50. a month is not good enuf. well guess what tough. that's all there getting. and i believe there's nothing more they can do since i am attempting to pay something. maybe next month i should only send 5. and see how they like that. i'd love to just to prove a point. but i probably won't i'll chicken out. any other advice on what to do w/ these wonderful people.

I've heard that many times before - as long as you send SOMETHING, ANYTHING they can't do anything. My uncle works for a collection company and he assured me that that is not true. A medical bill company can set a minimum and if they aren't getting it they can go to collections just like a credit card company. Some of my medical bills required a heft minimum, but many of mine were fine with what I could pay in the mean time as long as it was something every month. I hate jipping the medical bills because those are for doctors who provided a service and the ones I have are nice enough that they don't charge interest. Credit Card companies charge a hefty interest and make a TON of money off unsuspecting college students - I'm less sympathetic towards them :)

Ehwen-have your friend do a DV letter BEFORE she sends any money. Yeah,they started in Jan. wanting and threatening for the balance in full,wouldn't take payments. Now hee it is May and the jerks could have been gettin payments instead of nothing all these months.all CA will threaten and want balance in full,plus being harassing. Do the DV letter and see where that goes,make sure they haven't jacked up the balance.etc. Also be sure and have her put a don't contact in her letter,that way all will be done by mail instead of at her work. Good Luck :) ...Karen

National Enterprise Systems
3260 Cochran Rd
Solon, Oh 44139
800-243-0002


What do you want to know about them?

What you need to do is send a Certified Letter that states to the company in question to CEASE AND DESIST ALL COMMUNICATIONS. If they are still harrassing you file a complaint w/the FTC. Federal Trade Commission www.ftc.gov / The FTC is in charge of monitoring all debt collectors to make sure we are not abusing the debtors. I.E. saying we will sue you when we wont, garnish you etc. Also see the fdcpa= Fair Debt Collection Practices Act> this lists you rights and what we can't say or do to you.

Greetings,

These SCUMBAGS have been calling our house 5 times a day since April, 2006!!! Like we would ever consider paying anything to them with this type of behavior. BEWARE!!!

I am ealing with this company. They called me early in the AM hours. I mean 5:45am AZ time. Yes they man threated me to pay now or they were going to seek other ways. I explain to him that I was in a hardship he replied you owe, $111,000. I can not pay you won't work with me and I can not pay the $200.00 a month anymore. I was paying them this amount, well I was without a job for 2 month due to the new baby. I had called them a day ago to cancel all auto-payments from by checking account. Anyway it is good to know I am not a lone.

HE'S RIGHT.......

100 DebtCC points
Posted: Mon Jul 31, 2006 7:37 am???????? ????Post subject: I'm a collector
------------------------------------------------------------------------
What you need to do is send a Certified Letter that states to the company in question to CEASE AND DESIST ALL COMMUNICATIONS. If they are still harrassing you file a complaint w/the FTC. Federal Trade Commission www.ftc.gov / The FTC is in charge of monitoring all debt collectors to make sure we are not abusing the debtors. I.E. saying we will sue you when we wont, garnish you etc. Also see the fdcpa= Fair Debt Collection Practices Act> this lists you rights and what we can't say or do to you.

they called me and said that if i didn't pay them the whole balance in full, they would take a judgement against me. can they actually do that?

yeah . they called me today and stated that there is a complaint filed against me .. they leave messages and threats.. what can I do I dont have the money if I did I would have paid ages ago..but really need to know if its true on the last comment about filing a judgement on you?

Call them back and insult them!
Here are the owners' names and home numbers:
Ernest Pollack - 440-543-1387
Scott Pollack - 440-708-2354
;-)

These rude and angry people call my house early in the morning and late at night. I told the rude employee that I would send something Friday and he told me they need the entire amount today. When I said I couldn't, he started badgering and screaming at me. I almost felt that if we were face to face he would have physically attacked me. I never dealt with an agency like this and I will rather face a judge, then to satisfy this rude employee by sending him one penny.

yet they haven't brought it. The first time they called and threatened to take me to court, garnish my wages, and put a lein on my house, I was rattled. They offered me a settlement that had to be paid within two weeks. I told them I couldn't, made a fair counter-offer which they refused, then told them to go ahead and take me to court. They called back. I told them to take me to court. They called back. I told them to take me to court. You get the idea. I also called the company that actually OWNS the account and they said that no action was being taken and that if any legal action were taken, it would have to come from them, not NES. Anyway, no action has been taken, despite daily threats from their "legal department", and I am no longer rattled. In the mean time, I took it upon myself to send them about $800 over the course of 4 months. A lady actually called yesterday to tell me that I can't just decide how much I want to pay them. Hm... that's funny... you're cashing the checks and I haven't seen a summons yet, so yeah I think I CAN decide how much to send you. I will continue to pay them, but I refuse to deal with their repulsive reps.

Hi all i am dealing with them now. I rec. a letter yesterday. we are trying to pay bills and clean up my husbands credit to buy a house. we are pretty sure we have all his past bills from credit cards paid. then we get this. they want us to pay almost 700.00 saying who the previous creditor is but we don't know this credit card and they won't give us the previous creditiors information to contact them they just expect us to pay the bill. one lady called us liars saying my husband knew exactly where the bill was from then hung up on me. i've been hung up on a few times today plus they have called 11times today and it's only 12:22pm right now. they wont return a call when you leave a message. one lady told me "honestly some people here don't even want to deal with it that's why they act that way" i told her that's no excuse it's their jobs and it's not good customer service at all. i tried calling the BBB of cleveland and they are closed till 12:30 believe me i'll be calling them back.

It was one of the most humiliating phone calls I ever had! After a two year court battle from a traffic accident, I explained on 12/18/2006, they call me to try to settle before the end of the year. My traffic court thing has Atorney's. Anyway they said just to try to get the money by 12/29/2006, and I said I would, then they said but you have to give us the routing and checking number before we hang up or we will have to go to legal proceedings against you. This guy was super nice, he also said that if I did not have the funds in the bank at the 29th, then they would have to to do the legal filing. Today I received a call from a lady, don;t remember here name, but she continued to yell at me and pointed out how much money I make, and yelled out "pay your bills"!!! Then she said because the money was not in the account that they would now file a fraudulent charge against me!!! My heart felll to the floor!! I have offered to make three even payment over three Months but they won't do it! what can I do? I have researched over the net on this company and they have a bad reputation for this sort of behaivior.

Joe

They called me today and told me that legal action was being taken against me; and get this I offered to pay the full amount. All I asked was for 3 days for the check to clear. Sadly they where unwavering. ???????I can't pay you what I don't have??????? I said. Then I asked if I can post date the check; they told me no I had to make a payment right there and then. No time, no check. Wouldn't it be in there best interest to work with the debtor?

I was amazed this morning when the phone rang and the caller ID was blocked. First of all I have my home phone unlisted and all the privacy blocks on my phone. Yet they were able to get through on my phone. Another story though. My child answered the phone and they wouldn't give him any information as to why they were calling so he could leave me a message. Only that it pretained to a Law Suit and gave him a number to call. When he asked what type of Law Suit, the lady told him that she didn't care what type of law suit it wasn't her problem and hung up on him. Very rude!!!

When I called the number, they told me it was a collection agency and they had two payment options. One was to pay it all today in full and the other was in two payments of 50%. One today and the other in exactly one month. I told her this was the first time I heard this bill was turned over to collections. I told her I had ever intentions of paying and would be happy to pay in 1/4 payments. Because I just didn't have it right now because of pay periods. It would be tight even when I did get paid to pay that much and my family would struggle for the next month. She told me that there were only two options and I didn't pick either one, therefore, she was going to note on the account that I refused to pay and I told her "No" that wasn't the case and she said, I didn't pick either option therefore I was refusing and that they would see me in court and hung up on me before I could say anything more.

First of all, if I send something in the mail even if it's not much, do they have to take it and can they still take me to court? I never sign anything ever with regards to the main company stating if it was turned over to collection I would pay in all or in 50% payments. What can I do. Should I still send them the money and how do I know they put it towards my account?

You might want to check fdcpa (fair debt collection practices act) I think all they can do is leave a message

This company needs to vaildate the debt before you pay them a dime. Also send them a letter asking them not to contact you only by mail. KYSIDE38

I have been dealing with this company for a little over 1 year. I experienced all the threats and phone calls that most of you all have. I learned after the first intial call that they have this bad guy, good guy routine going. The bad guy calls initially to rattle you and then He/She hangs up after they threaten to take you to court. When you call back because they have scared you into it, you usually encounter Mr/Ms. nice guy, who conventiently listens to everything and makes every effort to "work" with you. I set up a payment plan with this person and had been paying religiously. When they ran out of postdated checks, Bad guy called back again and he was super outragous, yelling, cutting me off, accusing me of not wanting to be responsible for my debt. I tried to explain that I had been making payments according to my arrangement. He just kept screaming stuff and demanding I pay the remainder of my balance. I refused and then informed him that he would either accept my payments or not, he hung up on me. I did not get frustrated or nervous this time around. I just called back, refused to speak with this man again and requested a supervisor, who was a good cop, made arrangements, complained about bad cop and hung up. I then wrote a cease and desist letter, requested a full account of my debt and requested that any communication be via mail. I received an account of my debt, but I have not heard from them via phone since our last arrangement. Feeling a little daring, I called back and asked to speak to bad cop, when he came on the line I informed him that he was super silly for acting like such and idiot, because in the end, they ended up taking my payment arrangement anyway, despite his insistence that they would not....he hung up on me....lol.

BTW, my payments are what I can afford and no more than that. When I set up the first payment, I start with double what my monthly arrangements will be. In other words, I give them $200 on my first payment and then $100 for the next 6 months. I am almost paid off and will be free of them by April.

been dealing with them as well...2 diffrenet times..the first time they were real rude...the guy yelled at me cut me off..called me a liar..ect...very rude people.

Hello everyone actually i worked for nes and i left because of the type of behavior they possessed..you wouldnt believe that we are actually trained to be mean like that and if you hold out long enough they will except payments..if anyone has any questions u can email me at email address removed as per forum rules - Mike

This company is an absolute scam. Do not send them anything, and do not listen to any of their demands.

Is there a site to get a sample of the above in order to cover all nessasary information in the Cease and Desist All Communications.
I am not the party with the debt however I was listed as a contact person. These people will not stop calling my house. They call 5 times a day starting before 8 am with a recording to call. I called at told them that the person they are trying to reach does not live here and to stop calling. I relayed the message so if they don't return the call it's not my problem but to stop calling me everyday. They are now calling more.

Here is the sample C&D letter.

http://www.debtconsolidationcare.com/template-cdletter.html

Send it through US mail with return receipt requested. The laws will be violated if they continue to call after receiving your letter. Make your legal move even stronger by recording their phone calls after verifying with your state laws. You will have a proof of their violations if the calls are done.

They leave messages saying "if I don't respond in 48 hours they will notify Salt Lake County" Salt Lake County who.. justice court, attorney general, sl county library system? Should I be worried about this?

Dustin

I have had it up to here with this company, does anyone know what to do? They say we owe on a Verizon account and honestly we do. We stopped paying the bill on it Oct. '06 and will pay it off when my wife is able to go back to work after she has our baby. However, they call and demand money now from her, she can't deal with them and gives me permission. I ask for a letter in writing of what account it is and all information that they have from Verizon Wireless. They say they already sent it to me, but now they can't send me anything? What is up with this? Either you can or can't send stuff. They admitted they had nothing and if I wanted any account information I would have to contact Verizon. They did have a cell number on the account, one of which we have never even heard of. I told the guy that and he stated that it was the number on the account, that sometimes they give you a number to start your account but it changes instantly. LOL, I have never heard of this in my life. So I demand something stating what we owe and what account it is for and he says that I just don't want to pay my bill. Again I state that I will happily set up arrangements if he can get this to me. He hangs up on me. I call back after their automated message keeps getting sent to me. This time I talk to Jon Stewart...hmmm T.V. name, and he tells me that i just need to pay my bills and again tells me that he can't send me anything with an account on it. He just tells me that he is going to take me to court. Well I read that is a violation. I tell him that and tell him I am reporting him to the FTC and he says do it, they won't do anything. I ask to speak to his supervisor and instantly it is time to close, and he hangs up on me. They call back today and leave a message. I call them back and ask to speak to a supervisor they give me to this guy named Mr. Elwood....lol whatever. We get into an argument and he starts yelling at me which causes me to yell and then he tells me to stop yelling at him. He then tells me his name is Michael Cain....Actor, lol, and I told him that he said his name is Mr. Elwood, and I told him he flat out lied to me. He said and I quote, "I lie, you lie, we all lie." He lies to me and expects me to sent him money? Anyway I call back cause yes he hangs up on me, and speak with head division? What is head division? Anyway, I he states his name is Sonny Corinthos, lol I look that up and it is a fictional character on General Hospital. He didn't want to hear any complaints from me on the rudeness from his employees. When I told him the guy admitted to lying he said, and I quote, "You could say he threatened to kill you and that would be your word against his". I asked if he also was calling me a liar and the guy said that he just can't believe anything anyone calls up and tells him. I ask for a number or person I can call to make a formal complaint at his office and he told me he didn't care if I ever got that number that he was going to tell Verizon that I flat out refused to pay. WHAT DO I DO NOW?

I cannot believe what I am reading, I thought I was the only one. I filed a complaint on ripoffreport.com about them. Even Cleveland BBB has a ton of complaints about them and now I found this forum. How are they still in business or even have a license.
They call my house every minute of everyday for 2 months now. They called one day 74 times. So far this week they have called me 38x 1 day, 33x the next day, 48 times yesterday and 37 times today.
They need to be shut down and put out of business. They are doing more harm than good.

They can't file a judgement against you, only a court can do that. They would need to sue you, in the correct court, serve you papers properly, and comply with all the Fair Debt Collections Act to succeed. These people threaten and take advantage of the lack of knowledge most people have about collection practices and what is allowed by law. You are entitled to know what is being collected, who is making the claim and the original amount of the claim. KNOW YOUR RIGHTS. THESE PEOPLE ARE IN VIOLATION OF THE LAW.

Can they even do this to you? It is in violation of the Consumer Protection Act and I am refusing to pay any debts to them.. They call me at my work saying they have my cell phone number but called my place of work because they knew they could reach me there. I asked them two weeks ago to not contact me at work anymore because of my risk of being released for too many personal phone calls. Are they allowed to continue doing this? And should I pay them?

I received my first phone call today from this company. They left a voicemail. They are trying to collect money from me on an account that I still have with Verizon Wireless. They ran my credit. Why I don't know. What kind of guidance can any of you offer me as to how to get them to leave me alone?

Well I can't believe what im reading. I have been dealing with this company over a debt to Citibank which we had been trying to work out with them directly until they sold it. This woman called our house and screamed at me to get my checkbook and pay her 2800 now. I told her it was impossible. She then continued to berate me and scream at me. She gave me all the information about my husband, his ss number and everything (his acct) and told me to get it paid or she was going to have us prosecuted. My husband called her back the next Monday and offered her a pmt plan telling her that we were seeking counseling for credit and working on getting things straight. She told him he sounded stupid and hung up on him. He called her back and proceeded to try to work out a plan with her and she said "your an idiot" and hung up again. He then called and asked for her supervisor who told him that "we want our employees to talk to you that way" At that point he knew it was useless and told him unless they were willing to take pmts the conversation was over. The supervisor told him he was going to prosecute us. The next day we get another phone call from the same woman verifying from us that we are not going to pay and to let us know that they are prosecuting. ok. well again I didnt hit the lottery overnight so not going to give you all that money but will still be willing to do pmts. she tells him no and hangs up on him. What further steps should we take at this point?

I get TONS of calls from this woman, who sounds like a man..AT WORK, and they use tactfulness like telling my co-workers "we had an appointment to talk at 1pm", etc. The thing that DID freak me out, is a co-worker told them I was gone for the day, but they said they had a locator on my car and I was still there!! Is tht possible? By locator maybe they meant just some other person, watching? It freaked the crap out of me though! Anyway, my dad said they called him and told him 'your son is going to prison for 5-10 years' bla bla....I highly doubt it for an unsecured debt with Citi.

Locator? I think it was a total guess, for if they did, we can't even BEGIN to discuss the privacy laws they are violating. To truly put something like that on your vehicle, they would need a search warrant and court permission to install such a tracking device.

Standard desperate scare tactics. Send them a C&D letter so they only discuss debt with you via postal mail. Get a return receipt. Then feel free to bust them every time they call you or anyone else.

Wow. I'm glad to see I'm not the only one who is being harassed by these people (Not glad for the harassment all of us are facing, mind). They've been calling me at work, and just the day before yesterday called 3 times within the first 20 minutes of my shift; I'd been advised by Financial Freedom of America to ignore their calls, but since they were calling at work, I had to call them back.

After trying to lecture me for 10 minutes about 'my responsibilities', the woman hung up on me and called back our main company line, wanting (apparently) to talk to our HR person. She had threatened lawsuit and garnishment of my wages while I was on the phone with her, by the way.

The call never got through, and fortunately my HR person just hangs up on these people. Still, a scary bunch.

So anyway, I have a question. In talking with my case manager at FFA, she advised me that it's illegal for them to be calling me at work. Does anyone know if this is true?

A relative contacted me just now with a message saying that someone called for me. She left me the number, I googled it and I reached this thread. Should I be expecting rude calls like that and should I tell my relative to hang up on them?

You can find the answer you seek, tmc, right at this link:

http://www.ftc.gov/bcp/conline/pubs/credit/fdc.shtm

That is the easy read of the Fair Debt Collection Act. A simple scan a few lines down and you find this:
Quote:

What is wrong with these people. They have been calling my house asking to speak with a friend of mine. I didn't answer the call the first 3 -or 4th calls. When I did answer.I told them that this person was DECEASED. As of last year. I told them they need to check public records . Well they want to know if I have his SS #, could I fax a copy of the death certificate. Asking all these questions.When I asked why they were calling MY house. I was told they could not divulge any info. I asked them why they wanted answers from me, but couldn't answer mine.(This person did not live here.He briefly lived here about 9-10 years ago. I didn't tell them that tho'). I wanted to know why & how they got MY number. I assured them that this person was as dead as dead could be.They kept calling. This morning again, same thing. They want his SS# etc. Itold them I truly did not have it. But if I did, I wouldn't give it to them. I was trying to tell them to call any other number that they could find for him. And the B---H, hung up on me.I called the # that had been left on the machine. The guy who answered, said yes, he was that person"s supervisor. He also hung up when I told him how rude she'd been. Has anyone been successful in suing this company? It's not about the money so much as the way they conduct themselves. If you don't give them info. They are crude and ugly in demeanor.
I work nights and it's extremely annoying when I am awakened to hear there crap. They must be vying to see whose gonna get the commission. I told her to please post the fact that he is dead. So that they can stop calling my house. FConsidering the fact that he did not live here. I told her it is bordering TRULY, on harrassment. Causing me loss of sleep, making it harder or me to go to work.
At anyrate. I think there are 2 kinds of people who work there. Those that have to, as they don't have workplace skills. And those that want to feel superior. By annoying people. While hiding behind the "anonymous" desk.

Ok - this is the collection agency that is threatening to sue a relative of mine over a credit card bill that she hasn't paid on in 4 years. She's asked for my help on it, but I've never been in her shoes with a collector threatening to sue me.

I've read elsewhere that a collector cannot sue you - the original creditor has to. Is that true?

I've also advised her to get a debt validation letter out immediately.

Any other ideas? This company calls her every single morning demanding immediate payment of the full amount and will not work out any payment arrangements with her. They have gone so far as to describe the entire garnishment procedure and told her they would consider all of her other expenses when going for a garnishment. I'm thinking with her low income (her husband is disabled and doesn't work), if it went to court at all, the judge would end up setting up a payment arrangement.

Bump! Anyone able to help? :-)

Sue, a collector cannot sue anyone as they are not an attorney.If that threat is made and it is not a attorney licensed in your state,it is a violation of Fdcpa.For your friends peace of mind,send a validation letter with a paragraph in it stating to contact by written method only.Send it certified return receipt. After they sign for it they are not allowed to contact this person and every phone call would be a violation.If they show a desire to not follow the established law collecting,then gather the violations and find a consumer attorney to file suit.

thanks, Cajun. That's what I was thinking. She said a "paralegal" called her yesterday from this company (or said they were a paralegal) and asked if she was going to come up with the money (it's about $1300). She told them she couldn't come up with that - that all she could do is make payments on it - they said, "fine, we'll see you in court, plus all the attorney's fees and court costs".

So, even if they've bought the debt from the original creditor, they can't sue her?

Somehow I doubt this company has a paralegal on staff, considering all the information I've seen on them here. I guess anything is possible, but it sounds more like a scare tactic to me.

Sorry for all the questions, but she's asked for help on it, and I want to give her some solid advice. I'm pretty certain that if it were to go to court, the judge would end up setting up a payment arrangement rather than a garnishment - she really has no disposable income to speak of that could be garnished.

If they own the debt,they can sue. The theory I was putting out is if a person calls you and threatens suit,they are in violation with the one exception of it being a lawyer licensed to practice in your state. The violation would be threatening to take an action they would/could not take. I would need more info on the debt to go any farther. Original creditor,name of people harassing person,and date last payment made on account.

Ok Cajun, thanks! Do you prefer it here or in pm?

pm it so I can find a direction.

I have been mis treated by one of NES debt collectors.
They threatened lawsuit, took my checking acct information and gave me 5 days to pay the hardship amt. I was turned down for a loan and the debt collector was rude, refused to listen to what I had to say about they could not sue me and that I was reporting them to the attorney general of New York State. He yelled at me to get off his phone line then hung up.

I am complaining to whomever will listen, I am a military disabled veteran and will not be treated this way.