LorneReams Posted March 16, 2007 Report Share Posted March 16, 2007 Also, I'm pretty sure it's not mine. They didn't report to the CRs, but should I send a DV anyway? All the advice seems to link DV to disputing with CR. Can I use the standard letter? Link to comment Share on other sites More sharing options...
gypsie Posted March 16, 2007 Report Share Posted March 16, 2007 Also, I'm pretty sure it's not mine. They didn't report to the CRs, but should I send a DV anyway? All the advice seems to link DV to disputing with CR. Can I use the standard letter?Doesn't matter, send a DV.If you're fairly certain it's not yours- then maybe they have the wrong person.The purpose of the DV is to make the CA prove/validate/verify that the debt is actually yours and that you owe it.If you do a search for NCO on this site- you'll find PLENTY of opinions/information/experiences on them!!I'm sure no one here is surprised that they are trying to collect on something so old. And if it does turn out that the debt is yours and you don't live in OH or KY- then more than likely your past the SOL- and you can send them a C&D letter. Link to comment Share on other sites More sharing options...
LorneReams Posted March 17, 2007 Author Report Share Posted March 17, 2007 Thanks, will do. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 17, 2007 Report Share Posted March 17, 2007 If you get bored go to budhibbs.com. Under worst collection agencies you will see NCO.. click on the link to the video investigative report on them. I think it says something like channel4boston They were fined heavily by their AG a while back and they have sent debts to people who do not owe them.. they have a horrid rep.. I myself had to deal with them to the point of lies on their part .. I ended up reporting them to the PA AG.. they lied about the debt.. it was not mine and they said I had a payment plan in place with them.. also false.. when the AG got involved I got a formal letter apologizing for the "misunderstanding" and it was removed from my CR... they are the lowest of the bottom feeders Link to comment Share on other sites More sharing options...
LorneReams Posted March 30, 2007 Author Report Share Posted March 30, 2007 Sent CMRR. Just got it back yesterday unopened refused. Is this a bad thing? Link to comment Share on other sites More sharing options...
thomassl Posted March 30, 2007 Report Share Posted March 30, 2007 Sent CMRR. Just got it back yesterday unopened refused. Is this a bad thing?Whenever you get these items back "refused" you should keep a log of this with the date. Sometimes you have to send this information FedEx for them to accept it. Most companies will not refuse these as they don't know who they are coming from. Link to comment Share on other sites More sharing options...
CantCU Posted March 30, 2007 Report Share Posted March 30, 2007 Whenever you get these items back "refused" you should keep a log of this with the date. Sometimes you have to send this information FedEx for them to accept it. Most companies will not refuse these as they don't know who they are coming from. Whenever I get something returned, refused, I just note on the envelope the date I received it. I already have my copy of the letter I sent, so the contents are unimportant. If you ever have to appear in front of a judge on the matter, hand the judge the envelope, fully intact. It tends to make a rather good point. Link to comment Share on other sites More sharing options...
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