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National Enterprise Systems: How to deal with this debt collector

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National Enterprise Systems (NES) is one of the many collection agencies which have made their presence felt through all the wrong reasons. They would tell almost anything to take the money from you.


One consumer has the following experience with National Enterprise Systems.

"National Enterprise Systems has been calling several times a day for weeks. I have had some shouting matches with them and they have threatened to call every single morning, first thing, so we're the first thing you think of when you wake up." Know more...


The consumer got scared and gave her bank details to the National Enterprise Systems representative. Well, it would be redundant to say that it's the last thing that you should give out. But, what you should do when National Enterprise bullies you to pay.

How to deal with National Enterprise Systems collection agency

Common FDCPA violation by NES and your defense against it

1. Threatening with lawsuit: If you are threatened by National Enterprise Systems with a lawsuit but they don't follow up with it later on, they are violating FDCPA. Read on...



Check out your state laws regarding recording conversation. If it is allowed, then you may want to record the threats made by National Enterprise Systems collectors. This can be used later as evidences when you sue them for FDCPA violation.


2. Threatening with wage garnishment: It is a violation for the collection agency to threaten a debtor with wage garnishment where it is illegal. Read more...



Further, to garnish your wages, the collector has to sue you in the court and win a judgment against you. Hence, the collector is surely violating the law when he threatens with garnishment without winning a judgment against the debtor.



If a collector threatens to garnish your wage or put lien against your property, confirm the state laws regarding these. You may also consult an attorney about your rights if needed. Also remember, that you can't be arrested for not paying a debt in USA. Check out more on the scare tactics used by the debt collectors and know your options.


3. Withdrawing more money from account: Collection agencies, like National Enterprise Systems, tend to withdraw more money from the bank account than authorized by the debtor. This is again a violation of the FDCPA.



If National Enterprise Systems withdraws more than the agreed amount from your account, you must immediately contact the bank and dispute the charges.


Remember, knowledge is the key when fighting against this collector. The more you are aware of your rights, the better you can fight abusive collectors from National Enterprise Systems.



lapine

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Sub: National Enterprise Systems: How to deal with this debt collector
Thu, 25/03/2010 09:17

HEllo and thank you for this valuable resource!

I'm having some trouble with National Enterprise Systems.

They have been calling several times a day for weeks. I have had some shouting matches with them and they have threatened to call every single morning, first thing "so we're the first thing you think of when you wake up."

So when I did get a contact there and discuss my debt, she threatened "legal proceedings" if they don't get a resolution immediately.

I was scared and gave her my bank info for an initial payment after the holiday. Now I think that was a very bad idea (read somewhere that they will often take more than was agreed), and am scared about what they might do.

They keep calling constantly. When I try to get this particular contact on the phone, she is always busy.

What should I be doing here?



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Sub: #1 Chase Account "in collections"Thu, 03/25/2010 - 09:17



I JUST got a second call from this company; YOU KNOW them, as they said and threatened exactly what you said. I don't know the account #, they say that the credit card company is threatening to sue me. The lady (debateable) on the phone demanded my phone number at home, I told her I didn't have one. She asked what did I do during the months I was off work. She said to get my dad (where I stayed) to put my balance on his card, then I could pay off his card. She demanded his phone number! She went from hateful to RUDE when I wouldn't give her a phone number, saying, "Well, how am I going to call you if you won't give me a phone number?" I said, "You won't." She became angrier and angrier. I "smelled a rat" at that, so I asked for information about the company, other questions. She said I had until 4 PM today to do something about my delinquent account and started to hang up! I almost missed her, but she heard me and came back to the phone. I said, "You want to give me a phone number to call?" She said, "Oh, a phone number." She gave it to me and hung up. I intend to do something about these people! The bank I owe? I'm going to CALL THEM and work it out. To heck with that ol' bitty!!!
Do you have any other advice? I'm going to check out everything you say in the article about "dealing" with this company, to include recording them. I believe she just broke the law.... Thanks for this site, I sure do need it today!!!


Unregistered

Sub: #2 Chase Account "in collections"Thu, 03/25/2010 - 09:15



I JUST got a second call from this company; YOU KNOW them, as they said and threatened exactly what you said. I don't know the account #, they say that the credit card company is threatening to sue me. The lady (debateable) on the phone demanded my phone number at home, I told her I didn't have one. She asked what did I do during the months I was off work. She said to get my dad (where I stayed) to put my balance on his card, then I could pay off his card. She demanded his phone number! She went from hateful to RUDE when I wouldn't give her a phone number, saying, "Well, how am I going to call you if you won't give me a phone number?" I said, "You won't." She became angrier and angrier. I "smelled a rat" at that, so I asked for information about the company, other questions. She said I had until 4 PM today to do something about my delinquent account and started to hang up! I almost missed her, but she heard me and came back to the phone. I said, "You want to give me a phone number to call?" She said, "Oh, a phone number." She gave it to me and hung up. I intend to do something about these people! The bank I owe? I'm going to CALL THEM and work it out. To heck with that ol' bitty!!!
Do you have any other advice? I'm going to check out everything you say in the article about "dealing" with this company, to include recording them. I believe she just broke the law.... Thanks for this site, I sure do need it today!!!


paulmergel
paulmergel


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Sub: #3 Quote:Originally Posted by AnonymousI'm not paying anyone back..Fri, 03/19/2010 - 12:39



Quote:
Originally Posted by Anonymous
I'm not paying anyone back....


good for you.:rolleyes::rolleyes:don't post again if that's the case.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


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Sub: #4 I'm not paying anyone back....Fri, 03/19/2010 - 10:28



I'm not paying anyone back....


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Sub: #5 I received a phone call from Mike Miller at NES this week for a Thu, 03/18/2010 - 06:55



I received a phone call from Mike Miller at NES this week for a balance owed to Toyota Financial. My car was repo'd in January. He reduced the balance of $2200 to $1300. I thought this was a golden opportunity to pay my old car off and be done with it. I naively gave them my routing and checking account number. I don't have the money to pay the $1300 at all. I got nervous and agreed to it because I didn't know what else to do! I felt cornered and now I feel foolish and scared that I won't have money to pay for gas and food.

Now I'm reading all of these posts in this forum and am feeling dizzy and sick to my stomach. It's 3/18/10 and they're supposed to withdraw the funds on 3/26/10. I'm so stressed out and don't know what to do.

Is closing my account and opening another one so they don't get any money illegal? This is what my bank and some friends have advised. I'm nervous about doing this.

Do I send them a debt validation letter certified? I'm so uneducated about this and don't want to talk to anyone there because I don't know my rights.

Someone, anyone.. please help!


Unregistered

Sub: #6 HelpFri, 03/12/2010 - 18:36



I made an agreement with NES that if I paid by a certain date that I could get a discount and my account would be settled in full.. I just check my acct with the other people and it states that i still have a large balance to be paid. I have a letter dated before I made the payment, who is at fault NES or the other company.


Unregistered

Sub: #7 does anyone have the number for NESFri, 02/12/2010 - 12:46



does anyone have the number for NES


paulmergel
paulmergel


Posts: 15334
Credits: 126606.28475864

Sub: #8 Quote:Originally Posted by AnonymousActually...no I don't work fTue, 02/09/2010 - 05:03



Quote:
Originally Posted by Anonymous
Actually...no I don't work for another bottom feeder..I am employed by a company that gives me a salary and where I can actually use the college degree that I have! And not sit on the phones like I did at NES and feel overqualified.
I could careless what happens to NES..I have no intentions on reporting them or taking further action. I thought other individuals on this site would like to hear what happens behind the walls of NES when the collectors are not on the phones.


that's great!!!!!!!!!!!again i also couldn't care less what goes on behind closed doors.just about all the time it's made up BS that a disgruntled ex-employee puts out.don't want to report it,then don't bring it here.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


Unregistered

Sub: #9 Quote:Originally Posted by paulmergelwell why don't you alert soTue, 02/09/2010 - 03:47



Quote:
Originally Posted by paulmergel
well why don't you alert someone instead of coming on here?btw the FDCPA is a set of laws.not an actual agency or place.that being said,and iv'e said this countless times.a bottomfeeder will take anything over the phone.i would never do that.give me the agreement in writing with a promise that the forgiven debt won't be sold to another JDB.again to your ramble.i'm really tiring of you "supposed"ex-employees coming on here and just going off.oh these people are this and that.I'VE HAD IT!!!!!!!!!!!you obviously have no interest in seeing them go down so don't waste our time.in fact i suspect you work for another JDB bottomfeeder.again if i see another post like this i'm zapping it,and by that i mean another slam post by a supposed ex-employee.tired of it.



Actually...no I don't work for another bottom feeder..I am employed by a company that gives me a salary and where I can actually use the college degree that I have! And not sit on the phones like I did at NES and feel overqualified.
I could careless what happens to NES..I have no intentions on reporting them or taking further action. I thought other individuals on this site would like to hear what happens behind the walls of NES when the collectors are not on the phones.


Unregistered

Sub: #10 offering me less than my debt has amounted toMon, 02/08/2010 - 18:19



I recently got in touch with NES after they were bombarding me with calls. The have offered to cut the amount i owe in half. I do not know if they are legitimate and if I should give them my account information. I suppose I should call my credit card people to find out if they are really working with them or not... they were asking for my routing number.. what should I do? I need to know asap! Please help!


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