Harassing Phone Calls
Complaint
Gloria Engle
Country: United States
We have been receiving unwanted phone calls from Northland Group since 5/18/2007. They call from 1-866-380-8783 every day and ask for a person whose name I've never heard before.
It seems as someone used our address and phone number in their loan application, and Northland Group is trying to collect the debt.
For some reason people from Northland Group refuse to believe that the person they are looking for is not leaving with us, and continue their harassing calls.
I submitted my complaint to FTC, but I thought I should also let know here about this issue.
Northland Group
7831 Glenroy Road
Suite 110
Edina, Mn. 55439
800-800-8191
www.northlandgroup.com
It seems as someone used our address and phone number in their loan application, and Northland Group is trying to collect the debt.
For some reason people from Northland Group refuse to believe that the person they are looking for is not leaving with us, and continue their harassing calls.
I submitted my complaint to FTC, but I thought I should also let know here about this issue.
Northland Group
7831 Glenroy Road
Suite 110
Edina, Mn. 55439
800-800-8191
www.northlandgroup.com
Comments
We don't owe money so I don't know why they keep calling us!!
7831 Glenroy Road, Suite 350
Edina, Minnesota 55439-3133
Write to them...certified/return receipt requested (Avg @ $5.20) Request they stop calling or contacting you....such as:
"This is to advise you that pursuant to the Fair Debt Collection Practices Act (“FDCPA”) 15 USC §1692c(c), you are hereby notified to immediately terminate any contact with me, or any members of my family or household, regarding any matter concerning the collection of a debt you allege is owed to your company or to your principal/customer/client, or the original creditor noted above. This notice shall include, but is not limited to written correspondence, as well as telephonic communication, which also includes “automated” dialing systems.
I intend to continue to keep a log of any contacts you make with me, especially after today. I am aware that further communications by you will make you liable for sums up to $1000, plus actual damages and counsel fees. You may contact me only by mail to tell me that you are ceasing communications, or, to send the requested validation, once.
Be advised that since I reside at the above address, you are warned that any contact with a neighbor or other person will not be “locator” information and will be considered grounds for legal action against you."
Be sure you include your address (they probably have it already anyway).
They're not likely to be knocking at your door...
If you (do) owe them or someone they have "bought" your debt from, request they VALIDATE the debt...do not admit to anything... sample is:
"Dear Sirs:
In accordance with the Fair Debt Collection Practice Act, §1692g, I hereby request that you validate this alleged debt. The act provides that you shall cease collection of the debt, or any disputed portion thereof, until you obtain verification in accordance with the law. That verification must be in writing and contain a copy of a judgment (if applicable), and the name and address of the original creditor and proper supporting evidence of the alleged debt, including a breakdown of ALL charges such as purchases, interest fees, late fees and all payments and dates of same."
More info: "Section 805(c) -- Ceasing communication. Once a debt collector receives written notice from a consumer that he or she refuses to pay the debt or wants the collector to stop further collection efforts, the debt collector must cease any further communication with the consumer except "(1) to advise the consumer that the debt collector's further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy."
1. Scope. For purposes of this section, the term "communicate" is given its commonly accepted meaning. Thus, the section applies to any contact with the consumer related to the collection of the debt, whether or not the debt is specifically mentioned.
2. Request for payment. A debt collector's response to a "cease communication" notice from the consumer may not include a demand for payment, but is limited to the three statutory exceptions.
You can check out all info about debt collection at:
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
to the collection agency telling them to STOP all future contact with you. To STOP all telephone calls,
STOP all telephone calls to you, your employer or your work place, STOP all letters to you , your employer, or your work place.
Put in your letter, under the Federal Fair Debt Collection Practices Act, you are demanding them to stop all the above contact with you .
Tell them you are aware that under federal law each telephone call, e-mail, letter, or any other communication from them constitutes a separate violation of the Fair Debt Collection Practice's Act.
Each separate violation being $ 1,000.00
I'm not an attorney but I suggest if your still receiving the calls that you get online and find an attorney who takes these types cases on consignment. ( like a car accident attorney does, you pay nothing until they win the case then they get a percentage)
Good Luck
http://stpaul.ebindr.com/complaint/new/9806
Your attorney will know to send it by U.S. Mail Certified and Return Receipt Requested.
That should stop them. If they continue to call or send letters each violation under federal law is
1000.00 if I'm not mistaken. Ask your attorney. Also you will have right's under your specific
state law.
Good Luck