NCO called parents...

[rooster0330]

So, this morning NCO (collecting for AMEX) called my house I was busy with the babies, so didn't answer about 20 minutes later my father calls and says I got a call from NCO Financial and this is there phone number, and they gave me a reference number and said you needed to call them! Well, I am irrate!!! I called them and specifically told them they are not to call anyone only use my phone number.....I am DVing them today, in there can I make mention that they gave all this info to my dad and not to call anyone else looking for me! Can anyone please advise me on how to handle this! thanks!!!!!!

[Flamingo]

Did you provide your parents' phone number and address/contact information when you applied for the credit as being a "nearest relative not living with you?" If so, that is why the parents were contacted.

[rooster0330]

never put them down!!! when I called them back and asked they guy over in India, whom I couldn't even understand, what other number did he have, he gave me about 5-7 number, including numbers from 12-15 years ago that are disconnected, and this is the kicker they had a number from a car dealership that we bought a car from aa a contact number for me!!!

[forgotten]

Sounds like they pulled your lexisnexis report. Scary stuff on that thing... neighbors, friends, relatives, pretty much your whole background history.

Example report if you want to see what I mean: https://w3.lexis.com/consumeraccess2...son_report.htm

[debtinohio]

The Indian collectors for AMEX called me, my wife, my new cell # (had it for 1 week), my old cell #, my wifes cell #, my work, my wifes work, my work cell phone, my ex wife, my parents, my brother, both my sisters and perhaps some neighbors (I don't know - the neighbors havn't told me but everyone else did). The AMEX debt was in MY name only, not my wifes.

They threatened my parents and my mom left me a voicemail crying because they said they we're coming to hurt me now. lol -- it would have been nice to get that call recorded.

They even refused to call my attorney when I told them I went BK. They said 'no, we're only talking to you'. I told them to 'f. off' and never actually heard back from them again even though I didn't file for another 45 days.

They CONSTANTLY pressured me for a settlement.

[LimpDisc]

I would send NCO a certified, return-receipt cease and desist letter.

[frogger]

Sounds like they pulled your lexisnexis report. Scary stuff on that thing... neighbors, friends, relatives, pretty much your whole background history.

Example report if you want to see what I mean: https://w3.lexis.com/consumeraccess2...son_report.htm

And there's even more info than that from them, depending on how much you want to pay to access. People just don't understand how much info is out there and how easy it is to access by collectors.

They're not doing the searches like the consumer sees on the internet. All they need to do is type in the ssn, and a lot of your life history comes up. Sometimes you have to sort out the wheat from the chaff, but it's there.

There's no hiding from it unless you really do drastic measures.

[dscurlock]

I remember when I lived in AL, debt collectors were calling my wifes
mother which lived in Alaska at the time trying to track us down...

debt collectors have no morals who they call, they will call anyone
that they think that will help them get closer to you.

[rooster0330]

Just an update...they called me back, and the first thing he said was he was so sorry, about what happened, and he only had two numbers on file now, I asked which numbers and he told me my husbands work and our home numbers. I told him again about not calling anyone...he started trying to pressure me into making a settlement etc...I told him nothing and said I couldn't take anymore and hung up!

I got back awhile ago from the post office, I dv'd them and wrote they are not to call anyone trying to locate me because they have located me, and sent it certified return receipt!

[frogger]

debt collectors have no morals who they call, they will call anyone
that they think that will help them get closer to you.

It's not an issue of morals. It's a matter of trying to reach you in order to get paid. Believe it or not, debt collectors have bills to pay too.

They're just doing their job.

[GoingDown]

I would send NCO a certified, return-receipt cease and desist letter.

Yes, that's what I would do, too.


It works in most cases.

Just say, "In accordance with the Fair Debt Collection Practices Act, I demand that you cease and desist from any communication with me."

It is that simple.

Then put your name, the account number, etc., the phone number they are calling, and send it off to them.

[nickifan]

Yes, that's what I would do, too.


It works in most cases.

Just say, "In accordance with the Fair Debt Collection Practices Act, I demand that you cease and desist from any communication with me."

It is that simple.

Then put your name, the account number, etc., the phone number they are calling, and send it off to them.

But this advice does NOT apply to calls coming from Original Creditors, right? I'm still in that stage....

[GoingDown]

But this advice does NOT apply to calls coming from Original Creditors, right? I'm still in that stage....

While it is true that original creditors are not bound by the FDCPA, most of them (from my own experience) will voluntarily follow the FDCPA and stop calling you if you put it in writing.

I found this out by accident one day when Providian (which became Washington Mutual, and now a part of Chase) called me on the phone and I told them I wanted them to stop calling me on the phone. The lady said I would have to put that in writing. So I did. And they stopped calling me. So then I tried it on other original creditors and it worked most of the time. They always say it must be in writing, so put it in writing and send it to them.

In this case, NCO is not the original creditor, they are a third party debt collector collecting for AMEX, so they are bound by the FDCPA. They must follow the FDCPA by law.

Remember ALL COLLECTION AGENCIES AND ALL JUNK DEBT BUYERS AND THIRD PARTY DEBT COLLECTORS ACCORDING TO THE FDCPA.