Help with NCO Europe

[ManSpot77]

What puzzles me is given how many people have problems with this company and others and given how many years they have been operating, why are they still active? Surely they should be getting shut down before long? Also, if the so called "respectable" companies such as Barclaycard or the Student Loans company knowingly work with these scumbags don't they also share some liability (AofD act 1970) for any harassment or other unsavoury behaviour? Is it that hard for so many affected consumers to prove they are being unfairly treated?

 

M.S.

[Monty2007]

My suggestion would be for everone who has to deal with NCO to complain to the FOS and the FSA on mass. When I spoke to my local TS about NCO they were useless and said that they would inform Preston TS of the problems with NCO so it may well be worth EVERYONE getting a letter off to all three organisations and detail the problems with NCO.

[ManSpot77]

Hi all

 

As I suspected, I received the signed executed credit agreements from NCO. I did not however get a full statement of account or a deed of assignment. It showed that NCO are working together with the original creditor. I telephoned the original creditor to try and get them to cut out the middle man and the guy I spoke to just refused. I said that they should take part responsibility for the methods their agents use and he said they operate without their knowledge and they take no responsibility. I asked why they refuse to remove NCO from the process given I've paid regularly and don't dispute the debt and he said "why should we, you should have paid up at the start". They're basically allowing it as some sort of "revenge". Utter, utter bastards.

 

I got a postcard from NCO this morning telling me someone called P Edwards is going to turn up on Tuesday between 9am and 9pm. Is this real and if not does it count as evidence of threatening behaviour? What do they hope to achieve from this? I've always paid regularly what I can afford and without missing any payments. They can't make me pay what I don't have!

 

Anyway, given I STILL don't know my balance or how much there is left to pay, have they really satisfied the CCA? I spoke to my local TS anyway who were really helpful and I'm keeping logs from now on. I'm a bit annoyed because I'm supposed to send them copies of the letters I've written but I accidentally deleted one of them.

 

Thanks

M.S.

[Curlyben]

ManSpot, is this "agreement" the real thing or simply an application form as these DON'T count (on the whole).

 

Don't worry about the "calling card" I have amassed a nice load, just waiting for Saturday and Sunday and I'll have the full set

 

They are typical NCO scare tactics and to be ignored.

[ManSpot77]

Hi Curlyben

 

No, these are the original credit agreements. I still don't have a balance sheet though. I'm taking Monty's advice and writing to the Student Loans Company requesting the monthly statements.

 

However, since they did not provide these as part of the CCA, have they really satisfied the request?

 

Also, is it an offence to add interest without the knowledge of the consumer?

 

M.S.

[ManSpot77]

Hi people

 

I have not had a peep out of NCO for nearly two weeks. I wrote them a letter telling them that visits were a waste of time and that harassment techniques were illegal. In the meantime their clients (my original creditors) have confirmed that the debt will remain with NCO until it is paid off. I also instructed my phone service provider to block calls from marketing companies (does this include 0870 numbers does anyone know?)

 

Does anyone have any experience with this? Does the lack of harassment mean they have backed off or is it the calm before the storm so to speak? Also, can anyone confirm that OFT regulations place equal blame for DCA's behaviour on the creditors that use them?

 

Thanks in advance for any advice!

M.S.

[reduk054]

Hi subscribing, as am a big "fan" of RMA/NCO, and have an ongoing battle with them too. Will post properly later, to see if I can help or at least provide support!

Red