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NES Collections harassing me. How to stop them?





Sub: NES Collections harassing me. How to stop them?
Wed, 31/10/2012 12:00

I am a college student who got himself into credit card debt and I am now trying work my way out of it. I have 2 credit cards that are in collections.

I originally had 3 now I have 4.

A Citi Bank Account which I pay 100.month through Citi


Another Citi Account which has been sent to NES Collections with about a 2000 balance about 50% is late fines and interest

A Capital One Account that has about 2.5k balance which is with ASG. My dad helped me pay 700 on it by online bill pay.


My problem is with NES they have been harassing me and my family. For one they called my house and told all of my account info to my mother. Including my birth date, account number, balance, and social security number. I thought they could only discuss info with the account holder and their spouse.

Secondly, they threatened to sue, which I know they weren't going to. The balance isn't big enough to sue over.


I have sent a validation of debt letter to them via certified mail. I know it is past the 30 days when they sent the original notice but what the heck, right? The guy also told me I had no right to a debt validation.


So my question is what should I do?
Where can I find debt negotiation letters?
Any other tips?



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Unregistered

Sub: #1 NesWed, 10/31/2012 - 12:00



I am also having problems with NES and have filed a complaint with the Attorney General for my state. They have called family members and shared details of the debts. I notice that they are very nasty to you and after making their threats; then state they are recording at which time they become very nice. They have threatened to show up at my work and embarrass me. They have stated they will call my employer and let them know I do not pay my bills.


SOAPLADY
SOAPLADY


Debt Samaritan
Posts: 17110
Credits: 377793.18840875 Send message to SOAPLADY

Sub: #2 Credit counselling is done in "voluntary cooperation"......no crMon, 01/25/2010 - 11:33



Credit counselling is done in "voluntary cooperation"......no creditor is bound by or must participate thru any debt management program.

What is the debt for?

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


Unregistered

Sub: #3 today I received my 1st call at work from NES. Im scared now thaMon, 01/25/2010 - 10:43



today I received my 1st call at work from NES. Im scared now that they have my work ph# & name they will start garnishing my wages. I told them I have enrolled in a credit counceling program but they seem not to want to hear it and tell me it's beyond that now... What do I do?


SOAPLADY
SOAPLADY


Debt Samaritan
Posts: 17110
Credits: 377793.18840875 Send message to SOAPLADY

Sub: #4 Quote:Originally Posted by AnonymousI am still shaking after getTue, 01/12/2010 - 13:40



Quote:
Originally Posted by Anonymous
I am still shaking after getting a phone call at my place of employment. To use the term "phone call" is an understatement as the conversation consisted of one threat after another threat. My 81 year old mother who is the co-signer on my loans has made a 15-month payment arrangement and NES has no record of the payments my mother has made in November and December. They have threatened to garnish my wages and take my tax return. I am seriously considering hiring an attorney to deal with them. Their techniques, to me, border on being against the law and if they aren't against the law, they should be. No one should have to feel the way I do right now after being abused by not only the employees of NES but also the Supervisor who only told me his first name GARY!!!


Is this for a student loan? If so what type?

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


Unregistered

Sub: #5 NES HarrassmentTue, 01/12/2010 - 13:26



I am still shaking after getting a phone call at my place of employment. To use the term "phone call" is an understatement as the conversation consisted of one threat after another threat. My 81 year old mother who is the co-signer on my loans has made a 15-month payment arrangement and NES has no record of the payments my mother has made in November and December. They have threatened to garnish my wages and take my tax return. I am seriously considering hiring an attorney to deal with them. Their techniques, to me, border on being against the law and if they aren't against the law, they should be. No one should have to feel the way I do right now after being abused by not only the employees of NES but also the Supervisor who only told me his first name GARY!!!


Unregistered

Sub: #6 NES Collection AgencyThu, 07/23/2009 - 21:40



Call Angela at 215-745-9800. She works for an attorney that will take care of NES Collection Agency for you at no charge. It takes a bit but the phone calls will stop and the debt will be resolved.


Chrys Henderson
Chrys Henderson

Posts: 2555
Credits: 17373.2 Send message to Chrys Henderson

Sub: #7 File complaints with the FTC, the FCC, and your state Attorney GFri, 06/05/2009 - 21:20



File complaints with the FTC, the FCC, and your state Attorney General. They get away with it because so few people stand up for their rights that it's worth it to them.

Debt Validation letter templates.

FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.


Unregistered

Sub: #8 I just had my first contact with NES collections and I'm shockedFri, 06/05/2009 - 13:26



I just had my first contact with NES collections and I'm shocked and outraged! They left 2 threatening voicemails on my cell phone and when I called them back and spoke with agent Robert Mason I had the same experiences. Why would ANY bank hire NES when it drives everyone to the point of NOT wanting to do business with them period. I will never conduct business with BOA again over this ordeal. Yea, we owe but most of us want to and will pay our bills eventually. I was refused anykind of payment plan and told that if I didnt pay the balance I would be sued and when I told him there is NO way I can produce the full amount he accused me of refusing to pay and we went round and round on that. Sound familiar?


Unregistered

Sub: #9 UnbelievableFri, 06/05/2009 - 06:08



I was shocked, but really should not be, that others have experiences similar tactics of NES collections. I returned their call yesterday concerning a Citibank debt totaling $2900.00. The economic downturn, and life events, did not allow for payment of the debt to the original creditor. The first man (Mr. Martin) that I spoke with was a bully and downright nasty. I requested a supervisor. After a long wait I received another call and had to hang up. Guess what? As soon as I hung up they called me back. The alleged supervisor (Mr. Jacob) quickly became as abusive as Mr. Martin had been to the point that he was yelling at me. He told me that I was using schemes (a supervisor would never say such a thing) to get out of paying the bill and was refusing to pay. I told him that I had not once said that I was refusing to pay anything. He asked me repeatedly what I could pay, I proposed what I felt was a very reasonable plan. He continued to yell and tell me that I needed to pay the bill but just did not want to. I told him that there are 4 basic needs in life and of course they need to be tended to first before we come to a want. After he began to belittle me I told him to ???cease and desist??? and advised that I would be filing an attorney general complaint today. The odd thing is that I have another debt with Citibank that I have auto-pay from my checking account each month, never hear from them. Maybe NES collection agency should communicate with Citibank better to see what the picture really is rather than assuming everyone is trying to lie to them.


Unregistered

Sub: #10 NES CollectionWed, 05/06/2009 - 11:25



Got a call on this because of a credit card I've had for years through Bank of America was 2 months overdue - I admit, I haven't paid since March because I got laid off, found a new job at MUCH less than my old salary and am barely making mortgage and other payments - that added to the fact that Bank of America saw fit to raise my interest rate and also my minimum amount due each month from $150 to $450 - I couldn't keep up. I got called by NES collections at work, harrassing and threatening, and they told me that if I didn't talk to them and make arrangements right then then they would mark it down as refusal to pay (I cannot talk at work, as I don't have an office and have limited phone access). I ended up hanging up on the guy who was literally yelling at me and telling me I was basically worthless - yes, he used the term worthless. I am a hard-working mother, always paid everything on time up until my old company went bankrupt - just disgusting that this is allowed to go on - doing everything in my power to eliminate all credit card debt and NEVER use credit cards again. It's not worth me giving my money to these companies who get bailed out and then change the rules.


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