BE VERY CAREFULL, they ALL tell you that "they are calling from THE LEGAL DEP. of NCO Financial" where infact they are probably not licanced to even make call outside of Alberta.

 

 

 

If you need some help with this, call me.

 

 

need ur contact info. also filed complaints to both levels of government, waiting for their reply till the end of the week, if nothing happens, i'll call my MPP.

 

Dear Mr/Mrs **** (they've been calling me since July 07, still don't know if i'm Mr. or Mrs.)

 

please be advised that your account has been approved for legal action and we will be instructing our solicitor to commence legal proceedings against you unless this account is resolved IN FULL within 10  days from date of this letter.

 

please be advised that failure to deal with your account voluntarily may result in additional legal fees, garnishment and seizure of assets and/or bank accounts.

 

if you have any questions or concerns, please contact the undersigned, or forward the balance of your account to 600-10109 106 Street, Edmonton AB T5J 3L7.

 

Govern yourself accordingly,

 

 

Justin Thibeault

Collection Supervisor

 

cc: Gasee Cohen & Youngman Barristers & Solicitors

 

http://yellowpages.ca/bus/Alberta/Edmonton/NCO-Financial-Services-Inc/3070894.html - http://yellowpages.ca/bus/Alberta/Edmonton/NCO-Financial-Services-Inc/3070894.html

 

 

I worked for them some time ago.  Just for a short time (Thank God), I was only a Skip Tracer, but I really hated it

 

try this:

 

http://www.servicealberta.gov.ab.ca/pdf/billcoll.pdf - http://www.servicealberta.gov.ab.ca/pdf/billcoll.pdf

 

 

AND I don't even know if you are in Alberta

 

xtos

 

Is it possible for them to go to court without notifying me? (a friend of mine was in a simillar situation and plaintif went to court without him knowing it and got a jodgement to garnish his wags, he didn't know until he got his paycheck and there was the deduction). can they do the samething?????

 

he said that a notice went out today (nov. 29/07) and I should receive it shortly. this letter gives me 15 days to clear this account VOLUNTARILY!!!

3. CIBC has NEVER approved legal action.

4. i'm just waiting for the letter to come in and then i'll go and see a lawyer for suing NCO for lying, missreprisentation, harrasment at work.

 

IF ANYONE FROM NCO SEES THIS, PLEASE LET YOUR BOSSES KNOW THAT A LAWSUIT MIGHT BE COMMING THEIR WAY.....

 

 

 

ANYONE THAT FEELS THEY ARE BEING HARRASSED BY NCO, PLEASE EMAIL ME @ mailto:oh_scarface@**** - oh_scarface@****  . as i mentioned before, i'm waiting for their 2nd. letter to come in.

 

I'm pretty sure they are lying to you. You need to be served before there can be a court proceeding against you. You need a court proceeding before there can be a judgement.

 

If you were frustrating their ability to serve you then they could just serve your last address of record and proceed after a given time period. Since they are communicating with you via mail obviously they have your address so this does not apply.

 

I think it is interesting that you said;

 

"they have passed JUDGEMENT against me" .

 

I think what this means is the CSR has passed judgement against you. A pretty meaningless statement but one that allows them to use the scary word "judgement" while not being a outright lie.  Anyone can look at a set of facts and issue a judgement. Doesn't mean anything unless the person doing so is a court of competent jurisdiction.

if anyone is in the same boat as i am with these people, PLEASE contact me through this site,  thank you

 

They say and try whatever works. In many cases, what they try and say are against rules and even laws.

 

I would like to chat with you if you are willing. I need your opinion on some things. Call me any time.

 

 

 

To be honest i try to avoid talking to these people. I am paying NCO an agreed upon modest payment monthly. I don't know where Pam is calling from. But where i used to get calls and then they'd go away I get several daily now. I've had similar letters of this vein in the past, but nothing has happened. If they sue I know they need to go through the proper channels.

 

I thought the legislation had changed to seven years bankruptcy but i can see that it has not. Does anyone know the latest on that? Does anyone know someone who has been sued and had there wages garnisheed?

 

 

 

Sure. I've had house quests but I believe they are leaving tonight or Monday. I'll give you a call Monday afternoon.

 

If you need an opinion on specific legislation give me a heads up so I can read it over.

As far as i know, if you're making payments, they're NOT to call you, but if you miss a payment, they can AND will start calling.

Service Ontario:

Tel. 416.326.8800

Fax. 416.326.8665

 

and then we can be in contact to take this further.

 

They are still allowed to call even though payments are being made.

 

Call me tomorrow if you are able.

if they make a deal with a debtor to make regular monthly payments, they are not allowed to call and demand payment, they've already exsausted all the options to collect full balance and made a deal.  "this is comming from an Ex-licensed collector"

1, I was abusive to their employees.

2, I refused to cooperate with them regarding this matter.

3, they had no other way of contacting me."

Basically the OPPOSITE of the issues that i had, and he said that his hands are tight and he's going to belive them over me, because this he said / she said, and that these agencies CANNOT lie to the government. (I came out of this the LYING one) and that he's going to close this file.

 

NCO was asking for $12,981.84, but these papers say the balance is $12,213.17

 

You filed the complaint to the provincial authorities and they sided with the collection agency. This is what normally happens. Unless you have proof of a violaton, they side with them. after talking with you, you indcated that you filed the complaint at the end of November with the provincial authority, and you were served on December 6th by NCO's lawyer.

 

They are suing you to get even with you for filing a complaint. You have been paying every month like clockwork, and the agency decded to call you at work and see if they could get you to pay more. They bothered you at work with excessive calls - so you filed a complaint.

 

The next thing to do is escalate this to CIBC's National Collection Office. The queston is why would they agree to sue you because you have been making good payments for a year in good faith.

 

 

 

*********HELP*********

 

We are in receipt of a response to your complaint against NCO Financial Services Inc., Scott Barber, Alym Lalani, Gloria Weileby. (What happened to Sarah Singer???)

 

As we discussed in our conversation regarding your complaint, there were mistakes made on both sides.  The agency has admitted it did make some errors in the handling of your fine and as a result we have issued cautions to all collectors involved as well as the agency.  We have also spoke to Bill Jackson (GM) and Andrew Burton (Dist. Manager) and Katia Accirriesi (VP).  They have also shown a real concern in regards to the manner in which, you were treated and have now began to put measures in place to ensure collectors would adhere to Ministry gudelines and company policies when performing ther duties.

We trust that you will do your part to ensure that you provide the agency with all relevant information that they requier such as your current address (they got my property report), financial statement regarding current debt (they have pulledmy credit report), and a copy of your most recent paystub (they called our payroll and got everything) and any other information they may need in order to put you on a repayment scheduel (they ask for full payment, and i have been on payment plan with CIBC).

 

don't you think??????

December 19, 2007

 

 

 

Dear Mr. McCaughey:

 

I’m writing to you to bring your attention to activities that NCO Financial Services Inc. (third party collection agency) which CIBC has under contract for collecting delinquent accounts.

 

This is in regards to my overdue student loan account that CIBC has assigned NCO to collect.  I have started to make payments directly to CIBC as of February 2006 and DID NOT miss a payment since then; however, I started getting excessive number of calls (attachment # 1) starting June 2007 from NCO on mobile phone provided to me by my employer, and recently they started calling my extension at work, as result of these calls I was verbally warned by my superior, I wrote to your Customer Care Ctr. on Nov. 29^th 2007 an agent called and said: “he spoke to NCO and calls to your cell and work will stop”, calls to my cell and extension stopped, in the meantime (Nov. 22^nd 2007), I received a UPS package (attachment

# 2) addressed to my place of work indicating “approved for legal action”, I called National Student Ctr. and agent responding to my call said: “there is no record of a request for legal action on your file”, at her advice I called and filed a formal complaint with your CSR Dep. at the same time I filed a complaint with Government of Ontario.

 

After few days I got a call from a representative form government saying: “agency has told them the exact opposite of the issues I have complained about, and that since this is a he said / she said, there is nothing that they can do about it and are going to close the file”.  On Dec. 18^th 2007 I received a summary package (attachment # 3) from the same agent, this report indicates that the agency has admitted to mishandling the file and mistreating me.  The agency and the agents involved were issued a cautionary note for their activities and the way they have handled this file.

 

Also the balance from court papers filed by CIBC is $12,213.90 but NCO is demanding $12,984.81 (attachment #2), this is before they added their legal fees, this is clearly a violation of the Ontario Legislation Act governing collection agencies.

 

On Dec. 12^th 2007 I was summoned for court action on this file naming CIBC as plaintiff not NCO.  This action clearly suggests PURE REVENGE, coming from NCO due to the fact that I have been making payments directly to CIBC and them not making commission, also getting a black-eye from government.

 

 

 

I have enclosed all copies of my documents for your review.

 

Once again this is NOT a complaint; this is just to let you know how your affiliate(s) treat your customers.  I also understand that your are extremely busy running one of the largest organizations in Canada, but please review my concerns and let me know if you have any further questions or have any comments.

 

 

 

Sincerely yours;