called to verify my mailing address. I asked who was calling and they said it was for personal business with me. I said I wouldn't give out my address until I was told who was calling. this went back and forth finally I said see ya and hung up
BB .... "Oh, Madonne!", as my Italian family might say. You really should have challenged NCI when you had the best chance, especially if you knew you weren't delinquent before the collector took over. You could have requested validation, make them prove the claim as the laws demand. Giving collectors the keys to your bank is the worst thing you can do. They will break agreements and keep dipping in the well until you're ruined.
I would try getting an address and sending that validation letter. It may be harder to enforce now, but under Federal law the mere passage of time does not waive that right. NCI is already guilty of a crime by not sending you a written dunning letter the first week you were called. Stop making verbal exchanges and do everything on paper from now on. The FTC and many consumer groups explain how to proceed.
All: If you are receiving repeated, misdirected, and/or abusive calls from a third party debt collector, you may find relief in the provisions of the FDCPA, the Federal law which regulates collector behavior. Learn your rights at FTC-dot-gov. See also your state laws for additional support.
Resident47 Dec 03rd, 2010
Nationwide Credit Collectors. I found this out when I went to make an online payment for my PayPal Buyere Credit and discovered I had been turned over to collections, even though I had never missed a payment. They didn't send me anything in writing and I just started getting these calls. I finally authorized them to pull the amount from my checking acct, but they only did it for a few months and now they're calling again. Idiots, don't stop pulling money for a debt until it's completely collected then start harassing me for your mistake when I shouldn't have been in collections to begin with.
Refuse to identify themselves then expect a call back.