UGH!!!! National Credit Adjusters

[PinkGirl]

Ok. i get the bookclub nonsense off...........and TODAY National Credit Adjusters shows up. for BMG music. and NO i have never had anything from them.

 

i am at the 'gonna freakin go postal' level. one gets removed and another shows up. my sanity is gone. :lol:

[PinkGirl]

so. for fun, i bust out my handy dandy recorder, and phone these ppl up.

 

me: i am recording this call

 

moron: regular people can't record calls. it's expensive technology.

 

me: I'm calling about something you are reporting on my credit

 

moron: well what is your social

 

me: i'll give you the account number showing

 

moron: well if we are reporting we KNOW EVERYTHING about you.

 

me: account number is XXXXXXXXXXXX

 

moron: we dont have anything with that account number

 

me: then how are you reporting it

 

moron: sometimes it just automatically adds things to people

 

me: really? like MAGIC.

 

moron: kinda. can you tell me your name?

 

me: my name is XXX XXXXXX

 

moron: we had accounts for you. they were payday loans. one moment................................................oh i see you sent us fraud paperwork and affidavits. ..........................oh so we sold those payday loans to another collection place

 

me: you did what?

 

moron: we sold them to someone else to collect

 

me: you sold them knowing they were fraud, that you had a police report, as well as ID theft affidavit

 

moron: well yes, that's what we do. we have to make money.

 

 

OH MY GOD.

 

1. they dont have that account number?? and MAGIC???

2. they SOLD the fraud stuff that i reported TWO YEARS ago??????????? so this means someone is skulking around waiting to add more crapola to my reports!!!!!!!!!!!!!!!!

 

unknown debt letter went out today. grrrrrrrrrrrrrrrrrrrrr

 

i'm boiling mad.

[Jen23514]

NCA? I got you covered.

 

check you PMs

[PinkGirl]

You rock Jen!!

 

Can you believe he said they SOLD something that is fraud and after I had already given them all the info etc????????

[pryan67]

get an attorney TODAY...sue them for selling those fraudulent debts....

 

 

actually, I'd send a transcript to their CEO, CFO, RA, BBB, FTC, AGs, etc and ask them if they'd like to settle this matter in or out of a courtroom...

[PinkGirl]

my emotions are angered. i am suffering. i feel it is worth a lot. PAY ME NOW!

[JunkBuyersWorstNightmare]

so. for fun, i bust out my handy dandy recorder, and phone these ppl up.

 

me: i am recording this call

 

moron: regular people can't record calls. it's expensive technology.

 

me: I'm calling about something you are reporting on my credit

 

moron: well what is your social

 

me: i'll give you the account number showing

 

moron: well if we are reporting we KNOW EVERYTHING about you.

 

me: account number is XXXXXXXXXXXX

 

moron: we dont have anything with that account number

 

me: then how are you reporting it

 

moron: sometimes it just automatically adds things to people

 

me: really? like MAGIC.

 

moron: kinda. can you tell me your name?

 

me: my name is XXX XXXXXX

 

moron: we had accounts for you. they were payday loans. one moment................................................oh i see you sent us fraud paperwork and affidavits. ..........................oh so we sold those payday loans to another collection place

 

me: you did what?

 

moron: we sold them to someone else to collect

 

me: you sold them knowing they were fraud, that you had a police report, as well as ID theft affidavit

 

moron: well yes, that's what we do. we have to make money.

 

 

OH MY GOD.

 

1. they dont have that account number?? and MAGIC???

2. they SOLD the fraud stuff that i reported TWO YEARS ago??????????? so this means someone is skulking around waiting to add more crapola to my reports!!!!!!!!!!!!!!!!

 

unknown debt letter went out today. grrrrrrrrrrrrrrrrrrrrr

 

i'm boiling mad.

 

If you have this moron on tape, YOU ARE GOLDEN!

[PinkGirl]

I have this moron burned onto CD!

 

And for a brief moment i felt bad for him like 'i know this is bad and he shouldnt tell me these things' but then i decided to give him a litttle bit of ROPE!

 

its funny, you can hear my dog growling in the background!!!

[JunkBuyersWorstNightmare]

I have this moron burned onto CD!

 

And for a brief moment i felt bad for him like 'i know this is bad and he shouldnt tell me these things' but then i decided to give him a litttle bit of ROPE!

 

its funny, you can hear my dog growling in the background!!!

 

:rofl:

 

I LOVE IT!!!! So what are you planning to do with the money that you collect FROM THEM?

[PinkGirl]

a) get some food!

make a donation to CB

c) maybe buy a CD to listen too since they say it is for some cd club that got this started!!!!

 

ok the wierd smile before the make a donation was supposed to be b ) like in a list. wierd.

Edited January 21, 2009 by PinkGirl

[Jen23514]

here's what I'm thinking.

 

1.you have the recording.

2.obviously you have dealt with them on a previous basis. I hope you have that paperwork showing you disputed. hopefully CMRR

3. you have my letters to NCA, the OSBC, and the KS AG to help guide you on what worked for me.

 

THis is how I would approach it, others may chime in.

 

Send a CMRR letter memorializing the recorded conversation. Let them know you continue to dispute this debt and lay out in the outline format I used a listing of their violations. Is the PDL still being reported by NCA after they sold it?

 

I would then address the PDL issue with the KS OSBC and the KS AG, as I laid out in the letters.

 

Do not put a C&D in there, you have the ability to record, give them more rope.

 

If you have a properly worded letter and the background properly documented, it should lay out plainly for any attorney and/or judge to see that you did everything right.

 

Do you want a settlement now?

Or do you want an attorney to handle this?

[PinkGirl]

I have all the paperwork i sent previously, I did send CMRR. They never responded to anything, just deleted the tradelines.

 

I am going to go through this process slowly and surely. It would pleasure me greatly to see this somehow benefit others, i.e a big smackdown.

 

I am in no great rush. Tax time is here and that is making me happy.

 

I seriously never gave it a thought that they would sell off something that was fraud. Truly.

[Jen23514]

I have all the paperwork i sent previously, I did send CMRR. They never responded to anything, just deleted the tradelines.

 

I am going to go through this process slowly and surely. It would pleasure me greatly to see this somehow benefit others, i.e a big smackdown.

 

I am in no great rush. Tax time is here and that is making me happy.

 

I seriously never gave it a thought that they would sell off something that was fraud. Truly.

 

then personally, I would adjust those letters to reflect the NEW violations. the FDCPA covers what you're going after.

 

check YOUR state (where it says KS TILA in the letter) and see if there are similar lending laws.

 

The KS OSBC and KS AG have been very good at promptly (within days) of getting back to me. Maybe it's because I'm a resident? But give it a try and see what their response is.

 

You might look at Dolemites activity lately and add your own settlement at the bottom of the letter. $2500 might go a long way towards help you with your landlord problem

 

http://creditboards.com/forums/index.php?s...p;#entry3538648

 

or consider getting an attorney.

 

personally, I would go for the quick settlment and then if that fails, get an attorney... without waiting for the response from the AG or OSBC. The reason? teh AG and OSBC can't help YOU personally, they can only come down on NCA as regulators. So, your action against NCA is separate from those complaints... if that makes sense

[PinkGirl]

I live in Texas....so my financial code seems to be friendly to me..........I shall begin my reading now!

 

Thanks again Jen!

[Dolemite_73]

Congrats. You just got free money from those geniuses. I love it when that happens.

[PinkGirl]

Hi Dolemite!!

 

Thanks! I am still in shock. I can't believe he gave me the info.

 

and more than that can't believe they would sell of something known to be fraud!!!!!!! wth?? people these days.......

[Dolemite_73]

Hi Dolemite!!

 

Thanks! I am still in shock. I can't believe he gave me the info.

 

and more than that can't believe they would sell of something known to be fraud!!!!!!! wth?? people these days.......

 

I remember once having a $34 debt appear on my CR. I contact the CA and of course they violate. The easiest $1,000 I ever made.

[PinkGirl]

Your trials and tribulations with the CA world amaze me. It's like a second income! they are not the brightest that is for sure.

[Jen23514]

I live in Texas....so my financial code seems to be friendly to me..........I shall begin my reading now!

 

Thanks again Jen!

 

 

well hell... you should have said that 10 posts ago

 

new game, new rules...... use the TFC to help YOU, and then use the KS departments to punish NCA

 

I would pull a dolemite if I were you

[Dolemite_73]

Your trials and tribulations with the CA world amaze me. It's like a second income! they are not the brightest that is for sure.

Honestly, I have settled with more OC's than CA's. the FCRA is a very potent tool when used correctly.

[PinkGirl]

i'm working on pulling a dolemite!!!! and reading texas financial code. it makes me go crosseyed though!!!

[PinkGirl]

well low and behold the 'sold' fraudulent payday loans............appeared today..............national credit solutions.

 

why don't i just lay down and let these folks run all over me!!!!!!!!!!! grrrrrrrrrrrrrrrrrrrrrrrr

[Jen23514]

well low and behold the 'sold' fraudulent payday loans............appeared today..............national credit solutions.

 

why don't i just lay down and let these folks run all over me!!!!!!!!!!! grrrrrrrrrrrrrrrrrrrrrrrr

 

DV them asap and let them know they hve 5 business days to remove that entry from your report. Send them the previous dispute letter to NCA and let them know they are actively pursuing a debt that is in dispute

 

If this continues, you should consider an attorney

[PinkGirl]

an attorney or a gun. i AM in texas.

 

i already sent the letter off. with all the violations listed. bastardos.

 

OH and Jen---get this...........this one shows a 'credit limit' of THIRTY DOLLARS!!!!!!!!!!!!!!!!!

[Jen23514]

an attorney or a gun. i AM in texas.

 

i already sent the letter off. with all the violations listed. bastardos.

 

OH and Jen---get this...........this one shows a 'credit limit' of THIRTY DOLLARS!!!!!!!!!!!!!!!!!

 

i keep forgetting that.

 

go all crazy-psycho-TFC on them. see my profile for links.