![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
Stupid idiot debt collectors
Nov. 18th, 2005 09:07 pmOkay, this is getting really annoying.
Those of you who have followed my journal know that the people who previously had my phone # skipped out on a few debts. I'd name names here but I don't want to be sued for libel.
I've been getting twice-weekly and thrice-weekly phone calls from a mysterious party whose automated system ignores voicemail. I shortened my voicemail message to get the phone number. I call the phone number and it answers as "NCO" but that no agents are available (no surprise, given that it was 7 or 8 pm on a Friday). If I've got the right NCO, I'm likely dealing with NCO Financial, a debt-collection agency notorious for consumer complaints about their practices, and who got slapped with fines for not obeying the law.
Since *my* credit hasn't always been perfect (some late fees, dropped off after the 7-year limit and never sent to collections), I don't know if they're after debts that have long been discharged, or after said deadbeats. I'm gonna have to call them and see what their reaction is. I think I'll get one of two possible responses: one is "thank you for calling, we'll note this", or a demand to pay off some credit. Now, I know what to do if the allege that I owe money; however, I have yet to run across something that covers a letter on "stop harassing me, I'm not the person you're looking for, I don't even know who they *are*!".
Anybody have any ideas? Since this is an automated system, my voicemail that clearly (most of the time) says "if you are looking for Mr. X, he is no longer at this number, don't try to leave a message for him here" doesn't work.
ETA: I did get a hold of them, it wasn't the people-who-aren't-named, but an entirely *different* person. (Agh, just what I need.) And their agents mumble the name of their company.
Those of you who have followed my journal know that the people who previously had my phone # skipped out on a few debts. I'd name names here but I don't want to be sued for libel.
I've been getting twice-weekly and thrice-weekly phone calls from a mysterious party whose automated system ignores voicemail. I shortened my voicemail message to get the phone number. I call the phone number and it answers as "NCO" but that no agents are available (no surprise, given that it was 7 or 8 pm on a Friday). If I've got the right NCO, I'm likely dealing with NCO Financial, a debt-collection agency notorious for consumer complaints about their practices, and who got slapped with fines for not obeying the law.
Since *my* credit hasn't always been perfect (some late fees, dropped off after the 7-year limit and never sent to collections), I don't know if they're after debts that have long been discharged, or after said deadbeats. I'm gonna have to call them and see what their reaction is. I think I'll get one of two possible responses: one is "thank you for calling, we'll note this", or a demand to pay off some credit. Now, I know what to do if the allege that I owe money; however, I have yet to run across something that covers a letter on "stop harassing me, I'm not the person you're looking for, I don't even know who they *are*!".
Anybody have any ideas? Since this is an automated system, my voicemail that clearly (most of the time) says "if you are looking for Mr. X, he is no longer at this number, don't try to leave a message for him here" doesn't work.
ETA: I did get a hold of them, it wasn't the people-who-aren't-named, but an entirely *different* person. (Agh, just what I need.) And their agents mumble the name of their company.
