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LTD called with recorded message, why?


nuvision
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I received LTD Financial's initial collection letter only a few days ago. I have not DV them back yet. Today they called me twice. The caller id is 866-324-5257, it is LTD from web search. The first call just drop after one ring. The second call two hours later was only a recorded message asking me to call them back on some number I didn't write down. I am not going to talk to them on the phone in any case. I just want to ask around here, what are they doing calling with recorded message?

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Collectors are more frequently using autodialer systems to initiate their calls. The dialers are sophisticated enough to be able to tell if they got an answering machine or a real person through audio analysis. If a person answers, it gets routed to the next available collection agent so they can pounce on you.

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what are they doing calling with recorded message?
trying to get you to pay a debt ?!?!?!

I keep saying this...

but here it goes once again:

if someone owed you money,

wouldn't you make a few phone calls to get them to pay?

or if

they ignored your letters/calls and you had to hire a CA,

wouldn't you want the CA to call

the person that owes you so they pay up?

of course you would dam%it...

that F%$#&$R owes you money.

I am always amazed at how surprised people are that

they get a phone call when they are in collections...

you owe money!! -- what did you expect to happen?!?!

:-)

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I received LTD Financial's initial collection letter only a few days ago. I have not DV them back yet. Today they called me twice. The caller id is 866-324-5257, it is LTD from web search. The first call just drop after one ring. The second call two hours later was only a recorded message asking me to call them back on some number I didn't write down. I am not going to talk to them on the phone in any case. I just want to ask around here, what are they doing calling with recorded message?

Did your caller ID match their recorded message? They were recently fined $1.3mil by the FTC for that.

http://www.flickabooger.com/Flicks/EXCLUSIVE+LTD+Financial+Services+Still+Being+Deceptive+even+after+1+3+Million+Fine+by+FTC.aspx

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well

if you go to the actual FTC link

about the fine.. http://www.ftc.gov/opa/2007/11/debtcol.shtm

you will find that there isn't even a mention about recorded messages or matching phone numbers.

they were fined only for normal FDCPA violations:

example:

LTD collectors, who collect in English and Spanish, allegedly called consumers at their place of work despite knowing it was inconvenient for them to receive calls there, and disclosed the existence of debts to family members, employers, co-workers, and neighbors. They also allegedly harassed consumers and used abusive tactics such as immediately calling back after consumers hung up on them, and sometimes used racial slurs and profanity. According to the complaint, in some instances, front-line supervisors and mid-level managers either participated or were aware of such practices under their supervision but failed to impose sufficient discipline.

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well

if you go to the actual FTC link

about the fine.. http://www.ftc.gov/opa/2007/11/debtcol.shtm

you will find that there isn't even a mention about recorded messages

its about normal FDCPA violations:

LTD collectors, who collect in English and Spanish, allegedly called consumers at their place of work despite knowing it was inconvenient for them to receive calls there, and disclosed the existence of debts to family members, employers, co-workers, and neighbors. They also allegedly harassed consumers and used abusive tactics such as immediately calling back after consumers hung up on them, and sometimes used racial slurs and profanity. According to the complaint, in some instances, front-line supervisors and mid-level managers either participated or were aware of such practices under their supervision but failed to impose sufficient discipline.

But it all speaks to the use of deceptive practices used by LTD. That was one consumers experience with them. And for them to waver one iota from the FDCPA 2 days after the FTC got a hold of them is way beyond understanding. Besides, I like the name of the website. Too bad we don't have a nose picking smiley. Hey admin! Can we get one of those?

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having a different number show on CID than the one they

tell you on a recorded message is not deceptive.

and

they are supposed to provide an 800 #.

Instead of trying to invent "UFO theory" violations, better to get them

on solid violations that have no room for interpretation in court.

:-)

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having a different number show on CID than the one they

tell you on a recorded message is not deceptive.

and

they are supposed to provide an 800 #.

Instead of trying to invent "UFO theory" violations, better to get them

on solid violations that have no room for interpretation in court.

:-)

Doesn't look like any violations need to be "invented". Their doing just fine with no help from yours truly:)

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Anyway...Nuvision...I apologize for jacking your thread. Until they receive your DV, I would expect them to continue calling. Based on their track record it wouldn't surprise me. Just send your DV CMRRR and track it via USPS. They are allowed to contact you once more to advise you of their future actions. If they continue collection activities prior to validation (provided timely DV) = violation. Just start documenting and don't talk to them on the phone.

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