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National Enterprise Systems
29125 Solon Road
Solon
Ohio
44139 (Cleveland)
800-260-5834
440-542-1360
800-973-0600
800-261-3509
800-491-0016
800-882-9325
800-261-3182
800-925-6141
440-542-1380
440-542-1381
Head Debt Collectors:
Ernest R. Pollak, 62, CEO
Scott Pollak, President
Christopher M. Pollak, 28, Vice President
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Francis & Mailman, P.C. is not responsible for the creation or development of the below comments and does not endorse the views or opinions expressed therein.- NCO Financial Systems
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I would appreciate if you take care of this matter because with economy these days no one is making it.
She has tried to get the money and now since she has tried she should have an apology from Richard Price.
Dianna WIlliams
937-235-1531
The message was from a Kevin McCoy who indicated that he had received a FedEx with "information" this morning and wanted to make sure everyone was on the same page. Kevin McCoy continued to indicate that he would be "downtown" tomorrow at 10:30 AM (03/25/09) but there were still options available and that he expected a phone call back at 800-925-6141 x1403.
We downloaded this message off the answering system, took the person's name off that Kevin McCoy was looking for (wrong number) and let several people in the office listen to the message to get their reaction and opinion. They all agree that Kevin McCoy of National Enterprise Solutions was covertly passing himself off as an attorney or paralegal in the city or state that this roll-over phone number for our business is located. It was also brought to our attention from one lady that Kevin McCoy stumbled and sounded stressed through parts of the message, which generally indicates lying or undue stress with a situation.
We are turning this recording over to our legal department, and it will be their decision to forward Kevin's message on behalf of NES our state and federal agencies.
Beware!
I asked him politely to mail me a copy of the bill so I can see for myself in black and white exactly what the account is. He told me they can't do that, they can only do a fax or email. I insisted upon a letter from him and he insists they cannot do that. He then asked me why I needed to "see" it and argued with me that there is not wnough time as he's filing suit today. He would not even give me and account number for this, only a company name.
I initiated a phone call to find out the exact amount I owed. I made called first to WaMooooo, then to Chase, then to 4 other phone numbers that I referred to. (I have NEVER received any mail from these sleeze-bags). I owe a credit card bill for a whopping $250.00 which I have explained that I would pay within 7 days. I was asked for my bank account information, which I would not give them because I know they will attempt to draw these funds from it. I was asked at least 25+ times why I cannot just pay it with a check by phone -- even to post date it -- which I would not agree to. Within my agreement of 7 day payment in full I continue to get harassing phone calls. In so many words been called a dead-beat¨ because I made the debt, to which I had already admitted to making. I spoke very clearly, in English, and repeated myself like I said at least 25 times within the same 30 minute conversation. I finally said I had nothing more to say and had to get back to work, said good-bye and hung up. BTW: The first Agent of NES was so insulting and totally would not accept anything but a check by phone that I had to hang up on him. This is when his supervisor (HAH!!!), Michael Northwood, called me right back to further being a non-accepting, insulting, harassing ass. Guess the first jerk and supervisor guy will have to split the commissions on my account.
I am sending a letter to every state government official (real officials), i.e., Governor, Lieutenant Governor, Attorney General, Auditor of State, Secretary of State, State Agencies, Departments and Boards and Commissions, Treasurer of State, Supreme Court of Ohio, Courts of Common Pleas, District Courts of Appeal, Ohio House of Representatives, Ohio Senate, etc. and the same for the State of California. I will furnish all the Internet sites I can find with the same complaints as stated on this site. FYI: Complaints for this scumbag company can be made @ http://www.ohioattorneygeneral.gov/ConsumerComplaint
send them the following letter certified and FAX it too if you can:
date
your name
address
National Enterprise Systems
29125 Solon Road
Solon Oh 44139-3442
Re: Acct #_________
Dear NES:
This letter is being sent to you in response to a notice phone call sent to me or made on date____. Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practice Act, 15 USC 1692(g) that your claim is disputed and validation is requested.
This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named title and section. I respectfully request that your offices provide me with competent evidence that I have a legal obligation to pay you.
Please provide me with the following:
1) a simple accounting of the debt as to principal, interest , penalties and any other fees associated with this debt
2) The original account number
3)On the original creditor's letterhead a written statement that they have either sold, assigned or hired your firm to take over or collect this debt. NES letterhead or verbal communication is not sufficient proof.
4) Proof that you are licensed in my state to collect debt.
5) Your license number and registered agent.
Your anticipated cooperation in this regard is greatly appreciated.
Sincerely,
(Your Signature)_______
(Your Name)_________
They must provide all this information before they can sue you. They are lazy and often do not follow through. Or they give you some of the information but not all of it. The best part is that most of the time they cannot get a letter from the original creditor (on that original creditor's letterhead) to show that they are authorized to collect the debt.
Also in this economy almost every credit card company out there will negotiate a reduction of debt or a payment plan. In general you can reduce what you owe down to as much as 20 cents on the dollar with the average being around 35 cents on the dollar. just deal directly with the credit card company and bypass the collection agencies. the credit card companies are suffering along with every one else and are making deals every day for cash flow. You can even negotiate a payment plan on the reduced amount.
JUST don't give up or give in.
I have my own accounting firm and have been helping too many of my clients navigate these credit nightmares for the last few years.
YOU HAVE RIGHTS and options.
Never argue with credit collectors. Never give them personal information or bank account access. Any deals made get them in writing first before you start paying. If they won't put it writing then it is no deal. They cannot call you multiple times a day. They van only call between certain hours. They CANNOT call you at work. If they do send the a certified letter IMMEDIATELY giving them no permission to do so. Send a copy of that letter to an attorney if you have one.
Most importantly hang in there. Don't let them keep you up at night and stress you out. Learn to hang up on abusive collectors. Record calls if you can. File complaints if you can. Do not yell, scream or beg! Don't be antagonistic, threaten them, say you will sue them, report them or say that you have an attorney when you don't.
Hope this helps you.
Lenny
They are a bunch of hungry hounds there. You can talk to them and they say that "This settlement offer will not be good next week, you have to set it up today"..GARBAGE! You can call up at anytime and they will take your money. They are hungry money hounds and they are in it for your money. They push for you to set up payments by the 20th of each month because that is the closing date for commission checks. That is another thing..NES employees get nearly around 22% to 34% commission on accounts..depending on what state you live in.
Another off subject topic about NES is the employees that are working there. From being a past employee there I have noticed the large amount of employees that go in the parking lot and smoke up drugs, then come back in the building to collect. Kind of scary thinking that people who are under the influence of drugs are making phone calls to debtors and taking payments. Every employee that is hired by NES is "drug tested" which every employee that works there will tell you that those drug test results don't matter to NES. They will hire anyone at anytime! They have even hired individuals with criminal backgrounds. Only if the FDCPA and NES clients knew about this!
I don't know how to handle these people without getting the impression that I'm getting "ripped-off"! I would like to start a payment plan to pay off the Bank of America card from 2002-03. I'm in a better place now that I could take on another payment agreement, unfortunately I could not at that time. I think I'm going to contact Bank of America and see if I still can't pay them directly. I'm concerned with giving NES any of my bank information. Confused, irritated, concerened, indebted!
thanks
I received a call from NES today and talked to someone with a bunch of legal jargon regarding failure to pay on my daughters defaulted student loan. I had been paying on it with another collection company, had paid $2000 over the past 12 months. I missed a payment and SM sent to NES. They are the worst, I was trembling after speaking with them. They were asking for $2000 upfront and close to $300 monthly. I cant afford that. I am so glad I came to this website. I am going to send them monthly payments of $100 the same as Heather and hopefully get them off my back. At least I can take that to the Judge (if it comes to that) to show that I have made payments in good faith.