Feelin Frisky before meeting my attorney

[getmeoutofhere]

So, as you probably know from my other threads, I meet with the attorney tomorrow to discuss "options".

But today, I got a call from NCO. I thought what they heck, I will call back (they left a message at my office). So, I called and she is like, I need to see if you are going to pay this American Express Bill or not. I said, which one are you referring to? I have 10 to which she says you know exactly which one I am referring to (I really do have 10 and have no idea which one she is talking about because they are all in collections). I told her I did not know, but if she wanted to mail me some info, I would be happy to look at it. She said we already did....to which I replied - well then I probably have 30 days to respond. This is where it gets funny. She says, no, I don't have 30 days I need to resolve now. I explained to her that I know my rights under FDCA etc, blah blah and she says at this time I must inform you that I am recording this call (etc). I said I am recording as well...now what. She said that if I can not resolve by Friday that they will have not choice but to advise their client to take appropriate action. I told her, let's not wait until friday, tell them today! She hung up....

I did actually get a standard bs letter from NCO for the debt to which I sent a DV, but have not yet received back the green card.

Friskieness over.

[epiphany]

WELL you had some fun at least!

If you are seriously filing soon, I would not sweat any threat that comes your way.

It's only if you are planning on delaying that you may need to start playing some timing games.

PS, you can look up that receipt on line at USPS.com. But don't absolutely expect an answer. I sent three and never received anything.

Good luck to you. Great Call.

ep

[cityish]

Thanks for sharing the details of your call. It was the best laugh I had all day, and plus I got some great ideas! LOL

[GoingDown]

Thanks for sharing the details of your call. It was the best laugh I had all day, and plus I got some great ideas! LOL

There are lots of fun things you can do on the phone with debt collectors.

I get a great deal of amusement out of it.

I never say anything threatening to them over the phone, but I do say a lot of funny things, and my friends and I usually have a great laugh about them later on because I always record them.

[cityish]

I guess I tend to just say what I think, and that gets me into trouble sometimes, so I try to avoid talking to the debt collectors now because "loose lips sink ships."

But recently I did have a little bit of fun with one very polite collector with a heavy Indian accent. Basically I was tired, end of a long work day, and I accidentally took the call without thinking. So I played dumb and answered most of the questions in yes/no or monosyllable terms.

Around and around we went, over and over with the creditor asking me in a very robotic fashion when I planned to pay, and I kept saying "I don't know," and then they would ask me why, and I would say "because I don't have the money."

Then they would ask me if I could borrow the money from a relative, and again I'd say no, and then they would ask me if I was certain there was nowhere else to get the money, and I would reply that I just didn't have it and I can't print money in the basement, and if I could, I would, but I can't.

We must have had that conversation three or four times over.

By the third or fourth time around, I was actually starting to get amused. I never lost my patience. On the contrary, it was kind of fun to wait for them to turn around and once again ask me the same question they'd already asked three times.

Finally after about 15 minutes of this, they asked me if I would like to make a payment today. Why yes, I['d love to make a payment, I responded.

Hold on a minute, they said, while I could hear them typing something. And then they said, "OK, Ms. Cityish, we're ready to take your payment now in the amount of $350. What is your bank routing number?"

And I said, "Oh, I can't afford that. I don't have the money!"

Well, when do you think you'll have the money?... they wanted to know.

I think I finally wore them out. They eventually thanked me for my time and ended the call.

It was pretty funny at the time.... at least it gave me a laugh at the end of what had been a long, rotten day...

: )

[treehugger1]

I had a Cap1 account go to NCO. After I spent an hour or so of their time, I finally asked them to send me some written info within 5 days, as required under law upon first contact. The guy was really bent out of shape that we spent so my time chatting, and in the end I said I need something in writing. I DV'd them and I never heard from them again. After about 60 days, they sent my account to some fly-by-night law office in California (not the state I live in.) I DV'd them, and now the account is with some other "law office" in my state. I also have DV'd them, but after nearly a month I have not had a response.

Cap1 does not make a habit of "selling" debt, but prefer to keep assigning it to the strangest collection firms. I'm actually a bit interested to find out what will eventually happen to the account. I'm beginning to think that CA's who do not "own" the debt do not give such a debt the same priority as those they have actually purchased. Who knows...

NCO doesn't seem to spend additional time with accounts of folks who exercise their rights. I can't say that I blame them them as there are probably plenty of people who roll over in fear when NCO calls with their stupid pre-litigation nonsense.

[cityish]

I had a Cap1 account go to NCO. After I spent an hour or so of their time, I finally asked them to send me some written info within 5 days, as required under law upon first contact. The guy was really bent out of shape that we spent so my time chatting, and in the end I said I need something in writing. I DV'd them and I never heard from them again. After about 60 days, they sent my account to some fly-by-night law office in California (not the state I live in.) I DV'd them, and now the account is with some other "law office" in my state. I also have DV'd them, but after nearly a month I have not had a response.

Cap1 does not make a habit of "selling" debt, but prefer to keep assigning it to the strangest collection firms. I'm actually a bit interested to find out what will eventually happen to the account. I'm beginning to think that CA's who do not "own" the debt do not give such a debt the same priority as those they have actually purchased. Who knows...

NCO doesn't seem to spend additional time with accounts of folks who exercise their rights. I can't say that I blame them them as there are probably plenty of people who roll over in fear when NCO calls with their stupid pre-litigation nonsense.

Just curious, how did you manage to chew up an hour or so of their time... what were you chatting about back and forth?

I am taking notes here...