Re: NCO Financial

Posted by SPECNIC (207.43.195.204) on July 16, 2003 at 21:30:40:

In Reply to: NCO Financial posted by Scott on July 14, 2003 at 21:49:01:

Check this one out. I had a phone through AT&T wireless. Because of some lazy sales people I ended up with a crap calling plan and a huge bill. I called AT&T and had the phone turned off and made payment arrangements. Now mind you I was never actually delinquent, just trying to be a smart consumer. I told them I would send 1/2 in 1 week which was 2 weeks prior to the due date of the invoice and $100 every week until it was paid in full which again would have put me at about 1 week before the actual due date. Well I didn't pay the last payment the day I said I would, I was going to wait one week and pay it on the DUE DATE. 2 days after I make the payment (over the phone to a customer service rep who is looking right at my account) I get a letter from AT&T saying I had failed to meet my payment obligation, my contract was being cancelled for an added $150 and the balance would be sent to NCO FINANCIAL for collection. It was post marked 2 days prior to my making the payment, ON THE F*#KING UDE DATE! So first I tried AT&T to no avial since it had already been sent for collection. So my next was to call NCO. The person I spoke to on the phone seemed pleasant enough until I told him I was going to dispute the account and would be sending them a letter stating such. And this is the response I got: "If you are not willing to make paymnet arrangements today I am going to have put you down as refusing to pay your debt." SO again I explain that I am disputing the account and will send in a written dispute. "You can't dispute the debt sir, you are refusing to pay and I am going to have to note that in your account." Well needless to say I got a little angry and called him and "uneducated piece of trash" and hung up. Well needless to say their tune changed when they got and envelope contianing the following:

A letter of dispute addressed to AT&T accounts payable

A letter of dispute addressed to NCO Financial

3 letters of complaint each against both AT&T and NCO financial addressed to the Burlington County director of consumer affairs, the New Jersey state commisioner of consumer affairs and the FTC

It's amazing how writing a few letters can get such wonderful results. Needless to say the only thing I heard from NCO was that the account had been returned to the creditor and AT&T clearing my account and my good name and then having me not restart my contract, even after they refunded my cancellation fee.

F*#k 'Em

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