they say to pay up or see them in court.
Complaint
masterpeeeeee
Country: United States
National Check Resolution P.O. BOX 491406 Lawrenceville, Georgia 30049 Phone: 877-348-3599
Stanley johnson sr.risk manager.
I got a call just like corina and procced to give them my info including debit cards. We agreed to make monthly payments in the amout of $210 for 3months. Unfortunatley for them I gave them a pre paid card. I wanted to make sure these people are legit. My first payment is due on aug 20. I assume they had no luck thus far trying to take $$$ out of my pre paid card so they will wait till this month. Should I give in and pay? Funny thing is I just recently received an email from them only after I call them the day before @ midnight by accident. They must have caller id. Our first call was in mid july. Please can someone advise me on my situation I have a few weeks before my first due date. Lastly their email header or address comes in a weird form like this
慎楴湯污敨正删獥汯瑵潩�
Stanley johnson sr.risk manager.
I got a call just like corina and procced to give them my info including debit cards. We agreed to make monthly payments in the amout of $210 for 3months. Unfortunatley for them I gave them a pre paid card. I wanted to make sure these people are legit. My first payment is due on aug 20. I assume they had no luck thus far trying to take $$$ out of my pre paid card so they will wait till this month. Should I give in and pay? Funny thing is I just recently received an email from them only after I call them the day before @ midnight by accident. They must have caller id. Our first call was in mid july. Please can someone advise me on my situation I have a few weeks before my first due date. Lastly their email header or address comes in a weird form like this
慎楴湯污敨正删獥汯瑵潩�
Comments
If they don't follow the law, they aren't likely to sue either, since they are depending on threats instead, but to play that game, they have to stay hidden.
Why don't you contact the California Attorney General, to find out whether the lender is even licensed to lend in California, through the California Department of Corporations?
Phone counts for nothing if anyone decides to "blow smoke", make up "settlement offers" then "lose" them, or sell off an already "paid" debt.
What's in writing?
You may be better just suing them for violations, through an attorney, and pay off the "debt" as part of a "settlement". At least that has a chance of actually sticking.
I am an honest person who is will to pay what I owe and intended to with the original lender Triple services LLC but they closed my account without notice. No email as to why or a phone call as to why? Just an email stating my account was sent to collections. I found out later that my account was closed because they were unable to update my new bank account information (which I gave them both verbally and in writting) but what happened was the person (brittney) in charge of my account was on vacation so she never updated the information. When the next due date came by the computer was unable to collect and was automatically sent to coolections without warning. Even their supervisor aplolgized but what good does that do me?
Lastly I have been having an on and off phone conversation with the man they call chris. I believe him to be helpfull but his advise was to pay the overcharge amount to NCR. He even called them for me (so he says) and explained to me that NCR had the right to charge me $600 on a $300 loan. For the last 3days I called him over 6times and he convinced me to just pay and end the nightmare. Well I just called him and told him I rather be taken to court and pay over $2000 than be bullied over the phone. Chris seemed kinda shocked and dissapointed.. I wonder if he is associated with NCR in anyway? I hope not because I kinda liked chris. I will keep in touch if u guys want. Also any tips on what to do is helpfull. I am trying to find out if Triple Services LLC is legal in california. There's no address on the loan docs. There number is 1-877-907-5387. Thanks a lot Tj. Hope ur right
The whole reason that FDCPA requires that debt collectors send a "g" letter is so that consumers are notified that they have the right to dispute alleged debts, and that they can request that the debt collector obtain proof of the debt from the original creditor and send it. That is to stop just this sort of debt collection by threats and fabrication, making up fake "$2300 judgement" threats, and all the rest.
It also helps verify that the debt collector actually has the right to collect, since if they didn't they would probably be unable to obtain debt documentation from the original creditor.
Debt collection's not supposed to be some sort of poker game con extortion racket. It's a legally regulated industry that is required to follow certain legal compliance procedures to ensure they only collect what is owed, and only from those who owe it. Those who turn it into some con game are violating the law, and engaged in fraud.
There is no requirement that this stuff be handled by phone, and in general, you aren't going to be ablie to pin down or resolve anything that way, expecially when you are dealing with a bunch of liars.
So where's the "g" letter? Did you get one, or not?
And did you send a dispute and validation request letter?
If not, why not? Or is it because you didn't know you had the right, because they "accidentally" didn't send a "g" letter, or claim they "accidentally" sent it to some old address?
Are they feeding you the common BS line about "it's too late to dispute, so you owe it"?
You want to "settle", and actually have this end, get an attorney.
And maybe they pay you.
You want to spend the next 10 years playing shakedown tag on the phone, pay off these guys, and see your "paid debt" show up in some other sleazeball's hands in 6 months, like no payment ever happened. That's the risk you run, and their illegal threats are telling you that.
I have bad credit as it is so I don't care about my credit score. But I do woory about getting my wages garneashed. Especially since I just bought a home. What do u think I should do? Who should I call? Tj I am thankfull very much for all ur insight. Thanks. I will keep u guys updated
And email is a joke. Whose idea was it to send an email? Theirs?
How do you "verify" that what they sent by email was "verification obtained from the original creditor"?
And how do you prove your payment to the current collector actually settles this particular debt, if some other collector comes along later and claims THEY own the debt, and they never got paid?
What do you have? A bunch of vaguely remembered phone calls?
They are using email and phones for a reason.
What you want is a paper trail of bills of sale.
And despite the email, is the amount actually correct?
Send letters, mailed certified, asking for verification.
Better yet, you are thrashing around. Get an attorney.
www.naca.net
It only looks cheaper until it costs you later.
Penny wise, and pound foolish.
Www.ncr10.com. Same number and adress. Hmm should I reconsider my stance?
Bizapedia has their info along with a file# of 10047044
Www.bizapedia.com/ga/NATIONAL-CHECK-RESOLUTION-INC.html
Let me know what u still think?
Anyone can set up a web page.
Even the Indian scammers are doing it.
The debt collection shakedowns set up tens of LLCs, just cranking them out, all to hide behind.
There is enough of a legal existence to show there probably is some company set up, which means if they are violating, and you sued, you might actually collect.
Point is, until you establish verification of debt and chain of title, you aren't in a position to negotiate or settle anything.
Try Googling National Check Resolution to see what kind of a reputation they have. It ain't good. Also, send copies of any correspondence with them to your state's Attorney General.
The way I see it just because NCR bought my debt, it doesn't give them a right to charge whatever they want. I will look more into the "G" letter. In the meantime NCR believes I will have funds in my card on the end of the month as part of the payment plan I verbally agreed to when I first spoke with them under duress.I am very sure the sh%t will hit the fan once they realize I defaulted on them. I will keep u guys updated.
They negligently stopped getting paid, and through that negligence generated this trumped up "debt". You didn't ask them to do so, but they (and now this debt collector, that appears to be padding the debt) are now profitting from their own negligence. Might not even have been negligence. With payday loans at high rates, maybe it was intentional.
Contact your state AG for assistance.
As for a "g" letter, required by FDCPA to be sent by the debt collector, you either got one, or you didn't. If you didn't, that can be a basis to sue them, as can the evidence that this debt collector is adding on additional amounts to pad the debt.
At this point you have a mess, not entirely of your own doing other than you chose to borrow money from a sleazy outfit. Get an attorney, or they will apparently take you for whatever they can dream up. Your alternaitve is to keep throwing money at them, in which case why would they stop taking it while demanding more?
Legally, a purchaser of any debt has no more claim than the seller, so if the original debt is padded with fraud, the purchaser is no more entitled to payment of fraudulent amounts than the seller was, but such schemes are aimed at unsophisticated consumers, 95% of whom will never be represented by an attorney.
When these schemes show up in repeated complaints against the same players, it becomes evident that they cooked up the scheme for just this reason.