agn140 Posted December 8, 2004 Report Share Posted December 8, 2004 Crap1 just sent me a monthly bill threatening to charge off account while I have been receiving calls from NCO who are violating Validation and C&D requests. But here is the amazing thing one of the charges on the Crap1 bill is for the yearly membership chargeComments please. Link to comment Share on other sites More sharing options...
willingtocope Posted December 8, 2004 Report Share Posted December 8, 2004 I'm not absolutely sure this applies, but I do know that some OCs "contract" with CAs to handle the collection for them. Its possible that Crap1 still owns the CC and is still racking up charges, but NCO's phone banks are the ones hassling you. Link to comment Share on other sites More sharing options...
c m chase Posted December 8, 2004 Report Share Posted December 8, 2004 Probably dead on with that one, willing.Crap1 rarely sells their accounts (if ever). They will hire goons to collect for them and then turn around and sue. Watch them closely. Link to comment Share on other sites More sharing options...
agn140 Posted December 8, 2004 Author Report Share Posted December 8, 2004 doesn't NCO still have to validate?also the penalty for violation on this particular account is more than the amount due.alsohow can they charge a membership fee if the account is closed even if it hasn't been charged off yet? Link to comment Share on other sites More sharing options...
willingtocope Posted December 8, 2004 Report Share Posted December 8, 2004 Yes indeed, NCO should valid the debt. Did you send them a DV CMRRR? If they continue to call (more than once more) then you do have them on violations....As to the "membership" charge, remember that the rules work differently for you and them. The account is closed to your usage...not to them add penalties, late fees, and membership dues... Link to comment Share on other sites More sharing options...
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