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NCO Financial Systems Informative

NCO Group Dispute Online Form - Another NCO Contact Point

Posted By: dhbruns on 8/10/2005

Just a quick note. Went to the NCO Group home page. They have an online form to dispute letters. The only suggestion is where it says "have you disputed this with credit bureaus?"

Check YES, then in comments state that it hasn't appeared on your report yet and your intention is to be sure that it DOES NOT ever appear on your report as it is not a valid debt.

State why you think it is an invalid debt; discharged, past statute of limitations, etc.

Only downside (for me at least) is requirement to list phone number.

Not sure they have mine yet since it is unlisted and the letter was sent to my mother in VT. But I'm sure there's ways to get hold of unlisted numbers if they really want to.

Here's the URL

http://www.ncogroup.com/contact/debtor.aspx

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User Discussion - Add your 3 cents!

DebtorBasher

(08/10/2005)

They ask for a phone number when you are disputing a bill or a charge on it because they may need to reach you for more information to help investigate the dispute...the same goes for fraud victims.

dhbruns (08/11/2005)

Thanks! Do (should) they also leave message if they get answering machine? I get calls with no info on Caller ID which I don't answer, and no message is ever left. Probably telemarketers anyway...

DebtorBasher

(08/11/2005)

It's their choice if they want to leave a message or not...our NCO name does show up on caller ID's,but I guess not all of the sites do.

Mad Eye Moody

(08/12/2005)

You're right, Basher - not all the sites' numbers do come up on the CID as "NCO". It depends on the state that the consumer lives in. In some states, even YOUR office might come up as "California Call", or "Nevada Call", or "Out of state call". However, even if NCO contends that a consumer was just avoiding calls under the pretense that calls from their auto-dialer always show up as "NCO Financial" on caller IDs, they can't prove that it does. It really depends on the service carrier, and the state in which that carrier operates.

dhbruns (08/12/2005)

Well, even assuming I was avoiding picking up the phone because it said NCO, the answering machine doesn't know any better. "Hello I'm calling for David Bruns regarding an important matter. Please call so-and-so at such-and-such number" Is that so hard?

DebtorBasher

(08/12/2005)

We are only allowed to leave one message a day,at home and/or work. Once we leave a message we can not call them again that day. We would rather make contact and talk with the debtor,so we don't always leave a message, hoping to get the debtor on the phone later that day. A great percentage of messges left on machines are left unanswered with no return call. Once it gets later in the day, then there is no reason not to finally leave a message and give it a shot. We choose whether or not we want to leave a message, some collectors do, some doesn't.

dhbruns (08/12/2005)

Thanks again for the info. Calls do sometimes come in towards end of evening. With few exceptions CID shows 'unknown' or 'unavailable'. But again no message left. Like I said before, probably telemarketers anyway trying to sell me on a refi (I'm in an apartment). But it would seem to be to the collector's advantage to leave a message at some point. Wouldn't that increase the number of PTP's they get, (I'm getting a bit too familiar with the lingo here. LOL) and hence their commission?

DebtorBasher

(08/12/2005)

PTP's doesn't mean a whole lot. People make promises just to get off the phone..that's why we push for payment over the phone. If we get 15 PTP's, probably only 2 will actually make good on it.

dhbruns (08/13/2005)

Well I guess that makes sense. But even so, the more people who they contact, the more chances to get some kind of commitment. So if I ever get behind in payments (not likely at this point) collectors take note - if you don't leave a way to contact me on the ans. machine you're wasting your phone budget. Unless you get credit just for making calls.

Which brings up a technical question; does the autodialer recognize the speech pattern of an answering machine and not even route it to an agent unless it detects a "Hello?"

Long ago, before they got to be so annoying and in some cases illegal, I was looking into a business opportunity... more >>

DebtorBasher

(08/13/2005)

No...our doesn't work that way. We connect to all calls going out. It's not a type of voice activated system only putting calls through from a voice. We get the ringing with no answer, the busy signals etc.

dhbruns (08/13/2005)

Thanks again. I guess that's mostly for telemarketers.

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