Anyone know who National Financial is??

[chelleshocked]

I am soooooooooo angry and hot right now!! There was a message on my machine from National Financial, so I called the number. The reason I called was to make sure that it was not a creditor that I had already ordered to not contact me by phone, and it was not. The conversation went like this:

Transfer to someone, transfer to someone else, I wish I had written down the ladies name grrrrrrrrr.

Verifies my name and I told her that was me.

I asked her what the call was in regards to, and she told me she was calling in regards to a recent credit card that was charged off in my name, and asks me to verify my social security number. I told her I would not do that on the phone and do not know what this is in regards to. She said maam I have your credit report right in front of me. Your name is XXX correct. Yes that is me. Verify the last four numbers of your social please. NO I will not do that one the phone! grr Anyway she goes on about making payment arrangements. I told her I do not know what this is in regards to, please mail the information to me and do not contact me by phone any more.

Here is the fun part!!

She said, maam my client wants their money and I will call you EVERY DAY if I have to until the account is paid in full! I said no you won't, because I am requesting that you do not contact me by phone. She said maam that information has already ALL been mailed to you. I am unable to record my phone calls, GRRRR but I told her I was just for fun. She told me obviously did not know that law, and that she knows by law she can call me every day. I said yes I am fully aware of the law and they can not call me anymore once I request that they not do it. She is yelling this entire time, tells me whatever don't act like I know how she is supposed to do her job! LOL!!! grr I wish oh how I wish I could have recorded the phone call. Boy even telling her I was recording the call didn't stop her! Too bad I wasn't. She ended the call by saying "Pay your bills maam!!!" NICE!

Now tell me I am not in the wrong here, correct?? Once I request they contact me only by mail, they have to do that?

And does anyone know who these bozos are??? When I search, I come up with lots of close names but nothing exactly the same. Hrmm haven't googled the phone number yet, I guess I will do that now.

/rant.

Thanks for listening!!

Chelle

If they call again I will remind them again that I have requested

[chelleshocked]

Ah and does anyone know the best way to record phone calls, what I would need, about how much it costs, that sort of thing?

Thanks in advance!! I really need to start doing this. I think this company is National Financial Systems, and if so they have been investigated by the FTC for this sort of thing before

[DocDon]

LMAO!

Isn't that cute? The standard response of the brainless CA - "pay your bills" - like they're the patron saints of creditors. Funny thing is, most of their own credit is screwed up, and they get angry with other CA's who don't give them "professional courtesy" (ie: pay-for-delete), or who are rude to them. The cat's outta the bag thanks to CA forums....

They liked us better when we were stupid.

[flythai834]

i think you can go into radio shack and buy one of those phone recorders, i think i read somewhere here, that they go for about $40. good luck and for now on when you do decide to speak to those nasty ca's on the phone, record the conversation. you could have piled up a bunch of violations, just on that one call.

[codename_fortyseven]

There aren't enough phnoe recorders in the world. Go to radio shack and pick one up for 40-50 bucks. Get the type that connects directly to your phone line.

Don't tell them you are recording, just record away. Heck, I'd call them back and get it on record that you don't want them calling.

[chelleshocked]

I probably will especially if they do call again. Payday is Friday The didn't call today, so I wonder why she told me she could "Call every day until I pay their client!"

LOL Thanks for the heads up on the phone recorders!

Chelle

[DocPC]

I believe that the FDCPA requires that any type of C&D be remitted in writing.

It also has to be worded that any type of phone call is inconvenient at any time.

§ 805. Communication in connection with debt collection [15 USC 1692c]

(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location;

(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or

(3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication.

( COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

© CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except --

(1) to advise the consumer that the debt collector's further efforts are being terminated;

(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or

(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

[chelleshocked]

I do understand that it has to be in writing, but have had success with companies by telling them I do not wish for them to callme anymore right over the phone. I was nothing but polite to this woman and she went off on me. I don't feel like I provoked it at all. This was the first communication with this company. They have not mailed anything AT ALL to my home yet so I do not have their address or anything. I have lived here for over a year.

[chelleshocked]

Well I have waited and waited....and still nothing in the mail from this company?? I do not even know what it was for?

Anyway, there is nothing new on the reports...........so for now I will assume that they are going to do nothing.

Funny they never called back, but after looking up some info about the company they have been sued for harassing phone calls before

[Northern Lights]

I haven't heard of National Financial but could it be NCO Financial Services 507 Prudential Rd Horsham, PA 19044 (800)933-6736?

This is another worthless debt collector who goes by many names including: NCO Portfolio Management, NCOP Holdings, Credittrust, NCOP Capital II, NCOP/MARLIN Inc, Inovision-Medclr, and Inovision.

[Anonymous]

National Financial doesn't appear to be one of NCO's alter ego's.

Grim found a list of NCO's aliases and posted them last weekend.

Grim's guess is that National Financial could be another upstart CA.