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NES Collections harassing me. How to stop them?

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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?




skydivr7673


Posts: 2044
Credits: 57965.461082155

Sub: #1 hi, you did the right thing by sending the validation reques
Thu, 07/19/2007 - 22:36

hi,

you did the right thing by sending the validation request. Did you send it by certified mail, RRR? If not, then send anotehr one, by certified mail return receipt requested. That way, you will have proof that they got it.

ok, the law does not allow them to give out information on you or your debt to third parties...which is what your mother is. This is a direct violation of the Fair Debt Collection Practices Act.

they can threaten to sue you, as long as two things are true:

1--it is a legal course of action that they are allowed to take,

2--that they actually intend to do what they threaten to do

Now, they can sue over any amount, and while most CA's might stay away from suing on small debts, it is really not possible to say that you know they wont because of the amount. That will not hold up in court.

I would recommend that you look into your state laws, and see what the law says about the legality of recording phone calls. There are twelve states that require all parties in a call to be aware that the call is being recorded. The rest of the states allow "one-party" knowledge. If you are in a one-party state, you dont even have to tell the other person at all. If you are, I would recommend recording their calls from now on. This will give you irrefutable evidence should you go to court.

Above all else, dont worry about trying to negotiate anything at this point. They were wrong to tell you that you are not entitled to the validation--the law requires them to immediately stop all collection activity once they get your request, until they provide you with proper validation. If they got it already(and you can prove it with the CMRRR card), and they are still calling, then you need to get an attorney and just sue them, plain and simple.




Unregistered

Sub: #2 N.E.S. workers are rude and ignorant. Companies should not deal
Fri, 03/13/2009 - 17:04

N.E.S. workers are rude and ignorant. Companies should not deal with them because people do not want to pay back loans for general principle thanks to being treated like trash on the phone by a bunch of crazy phonies. I hope to never try to get any more credit cards in life and I have successfully paid off a few. They are ignorant.
I'm sorry that you had to deal with them too.




Unregistered

Sub: #3 N.E.S. collections agency personnel are unprofessional and obnox
Fri, 03/13/2009 - 17:09

N.E.S. collections agency personnel are unprofessional and obnoxious. Companies should not solicit their help. They are so rude that they make you feel as though you don't want to repay the loan for two reasons: so they won't get any of the money for commission and for general principle (g.p.) because you're getting f-----financially and verbally.



I hope to never in life try to obain another credit card thanks to their crass attitudes, and I hope that many people will not fall into the trap of credit card debt.
They suck!




Unregistered

Sub: #4 NES Collection
Wed, 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.




Unregistered

Sub: #5 Unbelievable
Fri, 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: #6 I just had my first contact with NES collections and I'm shocked
Fri, 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?




Chrys Henderson

Posts: 2560
Credits: 17373.3

Sub: #7 File complaints with the FTC, the FCC, and your state Attorney G
Fri, 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.




Unregistered

Sub: #8 NES Collection Agency
Thu, 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.




Unregistered

Sub: #9 NES Harrassment
Tue, 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!!!




SOAPLADY


Debt Samaritan
Posts: 17191
Credits: 474465.88869987

Sub: #10 Quote:Originally Posted by AnonymousI am still shaking after get
Tue, 01/12/2010 - 13:40

Quote:
Originally Posted byAnonymous
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?




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