MCM collection agency – Feedback from consumers

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A company called MCM called me about a credit card. I admit the debt but I want to discuss what happened. A man called me and he was speaking broken English. I could not understand him and I also had a bad phone signal. So, I tell the man that I have to go and to call me back at a later time because I was also at work. He keeps talking to me and keeps trying to push a settlement offer on me. I keep telling him I have to go. So then he yells at me and says"DO YOU UNDERSTAND WHAT I AM SAYING, DO YOU UNDERSTAND CLEAR ENGLISH" that really made me mad. He could not speak clear English. Am, I wrong for being upset. Has anyone else here had that problem and what should I do about it?




midland credit management or MCM collection agency doesn't have a good consumer feedback in our forums. They generally harass people for charged off debts. To get a better idea on this CA and know how to tackle them please go through the following: -
Midland Credit Management - Various Collection Malpractices

Sub: #1 posted on Wed, 09/10/2008 - 21:01

phoenix phoenix
Moderators
(Posts: 1444 | Credits: 275.38)

Hello,
I recieved a call today from Mcm Collection Agency this person called me three times on my cell phone I was at work, he claimed that it wasn't listed as a work phone but I formed him it was my cell phone. I don't even know how he got my cell phone number. The phone that he calls from shows unknown, and he also so spoke broken english and he was very persistant. The credit company he was calling about, I paid off my debt with them back in 2002 I asked for proof from their client and he told me that he did not have that information nor could he retrieve it from them. What can I do to stop the harassing phone calls he even has called me on the weekends Saturday and Sunday.

Sub: #2 posted on Fri, 01/23/2009 - 09:25

Unregistered


You sent a certified letter, return receipt requesting that they cease all telephone calls, to ANY number. You can also inform them that you owe no debt and that you demand they provide you with proof if this alleged debt.

Sub: #3 posted on Fri, 01/23/2009 - 10:14

goldenbast goldenbast
Moderators Cum Industry Expert
(Posts: 2885 | Credits: 380.48)

i recved a lettr frm mcm collection wanting me to:
1. A copy of any documentation that supports my dispute.
2. Cancelled Checks
3. Paid letters
4. Police reports?
5. Any other documentation to support my claim.

Isn???t it their responsibility to validate the debt and not me furnish them any information? This is the information I requested from them. It is my opinion that this is the information that they should be able to come up with if they can validate my request. It appears they cannot validate the debt and are trying to trick me into helping them.
..how do i write a responding letter to this. plse hlp me.

Sub: #4 posted on Tue, 02/10/2009 - 20:38

Unregistered


Send them a new DV letter stating that you have NO information on this supposed debt and that you are requesting that they provide you with proof of said debt.

Sub: #5 posted on Tue, 02/10/2009 - 20:58

Unregistered


That is a typical response tactic. When you write them back, inform them that you have no idea if the account is the product of identity theft since they haven't even proven this account actually exists.

They likely do not have this documentation. All they have is your name, your last known address, your phone number, your social, account number and the amount owed one an in-house document.

Sub: #6 posted on Wed, 02/11/2009 - 20:47

goldenbast goldenbast
Moderators Cum Industry Expert
(Posts: 2885 | Credits: 380.48)

they pulled the same crap on me--it is their responsibility to validate the debt, dont be fooled into sending them any documentation even if you have some! Make THEM uphold THEIR end of the laws, dont do it for them.

Sub: #7 posted on Thu, 02/12/2009 - 03:28

Unregistered


They claim that I owe 2500 on a Providian credit card since 2003. I haven't had a Providian card since 1998. I told him he was crazy. He tried to make a settlement offer, I said, you are out of your mind, get your subsidy somewhere else. He made some threats, I quoted California Collection Law If no payment has been made on a debt then after 4 years it is uncollectable. Not only do I not owe this, but if I did, I still would not have to pay. I asked him how a 300 limit card (which it was in 1998) could now have a debt of 2500. These people are crooks. By the way can anybody tell me the contact number to mcm collections?

Sub: #8 posted on Fri, 03/06/2009 - 13:30

Unregistered


It got so bad with them and me I sent a letter to the BBB and to mcm collections ct office. They responded they would not contact me by phone any more about the matter but after which they still would send letters to me (bills if you want to call them that) for about 6 months with the signed "name" of "cease and desist" They gave up and sent to another DC.

Sub: #9 posted on Sun, 03/08/2009 - 08:33

allogagan allogagan

(Posts: 30 | Credits: 21.19)

They sent me letter on a bill back in 2003. I have no idea what they are talking about. Now they are calling me at work. I told them to send me proof of this bill. They said it would take 7-10 days. I said bring it on!!

Sub: #10 posted on Thu, 03/12/2009 - 11:21

Unregistered


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