NCO Europe KEEP calling!

[mistery88]

If anyone else is contacted by NCO, they must ask you to confirm your name and post code. If you dont want to talk to them, which I strongly advise against, just refuse to confirm this info. Tell them to write to you and then come here to ask for advice on how to deal with these muppets.

 

They will try to intimidate you, but they must act within the law.

 

If they step outside the law, we will help you to put them back in to their unpleasant little box.

 

The idea of using the phone is to make the situation quick and easy etc, by refusing the questions you simply waste time and build up more debt etc, unless of course, if you dont owe money, then you should take that up with the appropriate client (e,g amex paypal)

 

When i worked for the company we phoned people everyday who were happy we had reminded them that they were in arrears etc(mainly because they had forgotten), but like all those jobs there is always someone who is intimidating on the phone to debters which is the luck of the draw, like iv'e said before, if you are in debt nco have every right to phone you as you agreed to deal with 3rd party companies in your credit card contract, being a clever boy on the phone generally makes things worse for yourself, if you are not in debt then you have every right to just slam the phone down on them everytime they call.

 

when i worked there, if i phoned a debtor who was angry and told me they didnt owe money i would simply say ''okay then i will make a note of that'' then move on, some people will argue with you instead, if somebody refused to answer the secuirity questions i would simply say ''okay then sir/madam sorry for wasting your time'' then i would move on, other people would banter with the debtor to get the details out of them which doesnt work:lol:

 

NCO will deal in writing, but the bottom line is its just as safe and much faster to deal on the phone.

 

And just before you call me a troll or stereotype me for working at the company i think you should think for a whole second that there are two sides to the argument, people who owe money to NCO's clients and dont pay back are in breach of a certain contract, and i dont think everybody on here are in the situation of getting a phone call yet not being in debt, in fact reading the posts i find it saddening how many people cant think for themeselves.

 

Good luck in your crusade to destroy a multi national organisation, but lets admit, the world doesnt work like that.

[mistery88]

Just one simple question. If NCO are such wonderful people who abide by the rules and never abuse or threaten people Why are there so many people on here complaining about them.

 

Did i say they are wonderful people, who ALWAYS abide by the rules?

 

2 reasons why people on here are complaining,

 

1. Some people are generally not in debt, and when they recieved phone calls decided to come on here for advice on how to stop it.

 

2. Other people ARE in debt, some admit it, others dont, a lot of people actually convince themeselves they aren't in debt (denial) they then panic and come onto a forum like this so they can find out who else is affected, and what they are doing about it, OR find out what they can do to hold it off for longer, they prefer to burry there head in the sand than face the music.

 

I have already said that certain people in the company can be out of order, but that is generally only if you are yourself,

 

People on here do have genuine complaints, (edit)

 

Also this is the UK, its a country well known for its complaining whining people, And yes i am English.

 

 

MODERATORS NOTE: Insulting other users is against site rules and will not be allowed.

Please read the site rules before posting again.

Edited March 24, 2009 by freakyleaky
Insulting other users is against the rules.

[mistery88]

Must be awful for you knowing that us evil debtors have all these many legal rights/protections etc....

 

Like i said, mental age of a 4 year old:lol:

[mistery88]

As usual the DCA trolls disappear under their stones when challenged (I think they are all challenged anyway) by the law. As Mr Ton says we must really be hitting the threat monkeys where it hurts, in their wallets. They will just have to spend less on WKD at the weekends.

 

Yea, and the people who owe money to DCA clients hide under their stones when they realise they owe money, spend less on WKD you say? gosh, someone has really ''rattled your cage'' aint they;-)

[mistery88]

I wonder if it would be permissable to post up an Admission of Liability signed by a senior NCO excecutive?

 

Oh yes, please do, that would be great

[mistery88]

Hmm,

 

I rattled the cage of a well known DCA today,

 

sad thing was,

 

i had a court order for £27893.00 in costs against them as they had acted unreasonably, threatened my client with all kind of nasty things (which they would never be able to do anyway)

 

so took clients instructions, issued proceedings, they defended but actually as they knew their position was indefensible, and we got judgment at a summary judgment hearing with costs on indemnity basis

 

the debt is declared unenforceable by order of the court, s142 CCA 1974

 

 

 

 

 

Ahhh well done sir, hate to tell you this but your claim is a little drop in the sea to be honest, DCA's collect stupid amounts of money to make up for that, and break the rules all the time to be honest, but you won't close down DCA's, they are simply too big.

 

Let me guess, you live tax payer as well:roll:

[mistery88]

Hmm,

 

I rattled the cage of a well known DCA today,

 

sad thing was,

 

i had a court order for £27893.00 in costs against them as they had acted unreasonably, threatened my client with all kind of nasty things (which they would never be able to do anyway)

 

so took clients instructions, issued proceedings, they defended but actually as they knew their position was indefensible, and we got judgment at a summary judgment hearing with costs on indemnity basis

 

the debt is declared unenforceable by order of the court, s142 CCA 1974 and the DCA now have to pay our client more than they paid for the debt let alone our costs

 

so, im more than happy for the DCAs to commit corporate suicide as it just adds to my profits

 

 

Please feel free to rip into me as much as you like, i work for BAE systems now and i suppose consumer action group have something to say about them as well, im dammed if i do and im dammed if i dont, its like being the Prime Minister:roll:

 

 

I think NCO are a long way from commiting corporate suicide, a long, long way.

[mistery88]

" and break the rules all the time to be honest, but you won't close down DCA's, they are simply too big."

 

Heard of a DCA called 1st Credit by any chance?

 

 

(The OFT have)

 

The Office of Fair Trading: OFT imposes requirements on 1st Credit over debt collection practices

 

 

Very good, but 1st credit isn't NCO is it, do you know how many times NCO have been found to be in breach of such rules? i think you will be pleasantly suprised.

[mistery88]

BAE in Barrow?

 

No, Warton.

[mistery88]

 

Maybe you should read the Dummies Guide to the forum, it shows you how to quote posts correctly,

 

anyway

 

i hate to tell you but it is not, we have a large quantity of claims on the go currently with DCAs

 

now sooner or later, the ratio will tip in favour of the debtor if these unscruplous companies dont get their houses in order

 

lets look at my case for example today

 

 

 

Debt £7K

 

Purchase price £2.4K

 

Cost to DCA through their own stupidity= £370000 (approx) including damages etc

 

so, any business will suffer if they keep losing more than they make and that is what we are doing currently with many DCAs. and BTW we are a major law firm so trust me, we WILL cause waves:wink:

 

 

So as an expert pencil pusher can you tell me how many successful claims you have had involving NCO?

[mistery88]

Good, I dont know you.

 

 

Yet.

 

I might apply for a job up there, just to get to know you:p

[mistery88]

"So you basiclly borrowed the money from the bank"

 

Really?

 

Its up to you to prove it

 

 

spent it and now you dont want to pay it back?

 

 

Not until you or the OC prove that you have any right to it back!

 

 

Until you can comply with a CCA74 s.77/78 request, you're simply

 

 

begging.

 

 

 

Begging is the correct word, Most people who DCA's call are generally in arrears, and 80 percent of the time people are thankful for the reminder and pay up straight away, its supposed to be a service, then there's the people who have been made redundant, NCO staff's job then is to advise debters on what to do, e,g contact client, sort out insurance.

 

Then theres the people who are in debt and refuse to pay because they cant be bothered, NCO staff are supposed to just terminate the call, but of course see it as a great argument and relish the opportunity, thats were the DCA's go wrong.

 

In Paypals case the whole thing is apparently a c**k up, as paypal are stupid enough to send through contact details of people who dont owe money, but other clients, mostly credit card companies, dont send false information through, and most people are just in arrears on their accounts, or out of work, or cant afford repayments, thats when the client takes the debter to court.

 

You are in your right not to deal with DCA's especially that one based in India;), but the idea of them is supposed to make things easy, plus the client doesnt have the resources nor the time to collect money off people.

 

If you are in arrears and a DCA phones you up for the payment, and you have the funds, just pay it, makes things easy, if you dont want to deal with 3rd party companies, just deal through the client, but bear in mind that the DCA's can phone you as it states in your credit agreement until the debt is resolved.

 

And if you dont owe debt but are getting abused by the DCA's then this forum makes sense (although some cases are far stretched), and deal directly through the client to get it stopped.

 

And if you owe debt and have no excuse and dont deal with the DCA or the client then thats fair enough, but i couldnt be bothered being in that persons shoes:D

 

There have also been known cases when the DCA's will purchase the debt off the client, thats the only time when you will have to deal directly through the DCA, although it is rare, and again your credit agreement does state that the client has the right to do that.

Edited March 24, 2009 by mistery88

[mistery88]

Well they may fool some people but as CAG grows stronger each day we are wiping the smile off their faces thats why you need to come on here and be abusive. You dont have the intelligence to properly argue your case. Enjoy your CRAP job while it lasts.

 

As i have said ODC i dont work there anymore, and it wasn't a crap job anyway, was very good actually(i take it your a treasurer on 160k a year;))

 

Im not trying to be abusive, i was trying to discuss, but of course your labelled a troll straight away, im actually in the middle on this topic,

 

And please dont question my intelligence, it really is the most laughable insult you could give me:roll:

[mistery88]

"but bear in mind that the DCA's can phone you as it states in your credit agreement until the debt is resolved."

 

 

Hey Churchill,

 

If they dont have a credit agreement, do they have any right to ring you at all, like consent as specified by the DPA?

 

 

Errrrrrrrrrrr, no.

 

 

 

 

This is the crux of it- most credit card agreements simply dont exist (lost) or dont comply with CCA74 anyway, as they are simply application forms missing all the bits to make them into agreements.

 

 

Very good point, but yes, it is easy to get hold of it, except for most clients:D

[mistery88]

We're not questioning your intelligence, its merely your understanding of the law which is in question.

 

We get lots of monkeys trolling here, it makes a pleasant change to talk to an organ grinder, if that is indeed what you are.

 

Well, im not here to **** people off, put it that way. i just have experience in a DCA, and yes it is interesting to hear a different point of view and the legal side of things in much more detail, DCA's could do a much better job, with a much more customer service style approach, but its not actually the DCA's who make up the rules, its the client who decides what is said on the phone, how it is said, and how to collect, but what can you expect from companies like Barclays and Paypal who's admin is as organised as a bull in a China shop:wink:

 

One thing i will say is that nobody deserves to be spoken to like crap on the phone, especially if you are not in debt, and that is were the whole situation is completely wrong, the only time you should be distressed, is when it gets to the point when you have been taken to court, or you have gone bankrupt, and in most cases thats something you definetly bring on yourself.

[mistery88]

 

Having read your educationally challenged earlier posts I really do not need to question your intelligence. You have proven it's as sound as your pathetic attempts at defending the behaviour of DCAs who have NO LEGAL POWERS whatsoever.

 

Educationally challenged?

 

Again, im laughing at you, especially as all you have done is,

 

Question my intelligence.

 

Abuse a job i once had.

 

And have nothing but a one sided argument instead of a discussion.

 

They are surely the signs of a TRUE TROLL.

[mistery88]

Quite honestly, I dont think DCAs could operate within the law even if they tried.

 

"its the client who decides what is said on the phone, how it is said, and how to collect,"

 

Thats the Nuremburg defence- "I voss only obeying orders" -but doesnt abrogate your own personal duty to comply with the law.

 

It is the Nuremburg defence, and i suppose you could ask, if it worked in WW2, could it still work now.

 

The difference being in WW2 if your General gave you an order and you considered it illegal therefore refusing an order, you would be shot, therefore being damned in both cases, for the DCA's that isn't the case:-)

I cant seem to remember Barclays shooting somebody at a DCA for not taking orders:D

[mistery88]

See they admit it!

 

Finally, the truth is out there.

 

Thanks for your honesty.

 

 

WOW i just got a complement on cag, im HONEST:grin:

 

No problem.

[mistery88]

The Yorkshire Ripper claimed that God told him to do it.

 

Note that its Peter Sutcliffe doing time at Her Majestys Pleasure, not God.

 

Well yes, and thats Al Qaeda's excuse as well, although i would amagine it to be pretty hard to get God in jail;-)

[mistery88]

As he is omnipresent, it would quite possible to serve legal papers on him, though.

 

He would know he had a summons and would not be able claim that he hadnt received the claim form, or have judgement setaside.

 

HA HA