National Enterprise Systems

[kywanthelp]

What is the name of your state? Kentucky

I got a call today on an account about my husband. The lady said they were not a collection agency because they couldnt take payments and the account neede to be settled today. I told her that i just had sent a payment to the company that had it before for them for $200.00., and had kept the payment arrangements with them. She proceded to tell me that my husband owed $1,605.12 to Sears. She said they couldnt take paymenst but i could send one amount by June 15, and the remaining at the end of the month. I told her ok, but i woud have to call tomorrow because i wasnt around my purse or at my house at the time. She really got ugly then, further more i told her i wasnt going to give her a check over the phone because, i didnt know anything about her company or received anything in the mail. She said they just got the account yesterday and the letter went out today in the mail. I told her when i got something i would call back and make an arrangement for June 15, just one check, then she said that they would take care of the rest at the end of the month and somenthing had to be done today, or the lawyers would precede to take his case for judgement then garnishment. I told her i would have to call back with another check then, oh no, she got hateful and rude and harrassing and said they would automatically take it out after giving her the check routing numbers for the 15th. Thank god i didnt give them to her, She hung up and then would call right back and mouth some more, if she didnt hear what she wanted she would hang up and call right back. i told her she was being recorded and that wasnt what she said and i told her that and got more mouthy. We want to take care of this but they are just so uncooperative and harassing and hateful. Then she said she was going to turn it over to an attorney on the internet and be take to court. I asked her if she needed to talk to my husband or what. She said she didnt have to because she had talked to me and that was good enough. When i asked her for the attorneys name she couldnt answer but she didnt have to give it to me. Then she changed subject. She hung up and then called back. It was the same bull over and over. What do i need to do?????

[Kanchazi]

[url]http://www.bankrate.com/brm/news/cc/20031020a1.asp?caret=4[/url]

[ltr]

There is another post on here about National Enterprise Systems. Check page 2 or 3. Something needs to be done about this company. They are breaking the law all over the place. DebtCollector had some really good advice on the other post. PLEASE look it up. I wish you luck.

[kywanthelp]

I called the creditor about my account and they said they dont take payments but for me to contact NES., because they are the ones to make the arrangements on the account. I told her about them already contacting me and they said that they dont take payments but would settle with two payments, one for June 15 and the 30th. I also asked the creditor about a settlement and she said 80% of the balance due, and i said what???? She said why, I told her that National Enterprise Systems had told me that the attorney on the computer had said that is was a low balance and there was no settlements. The creditor got her manager on the phone and had me repeat everything in the conversation from last night. Even the lady, last night at National Enterprise was so mad she told me when she hung up, that she was walking it straight to the attorney and we were going to be suid for garnishment and then she turns right around and called this morning. The creditor and i had a long talk on the phone and told me to call N.E.S. and tell them that i had talked to the creditor manager and there is a settlement to this account and that they are suppose to make payment arrangements for this account, then the creditor said she would call. I called and left a voice mail for the lady at N.E.S., that i had talked to the creditor and N.E.S. havent called back yet, but my question is what do i do when i get the letter. Mail them a check on payments, or will they run those numbers in my account and make their own checks for payments, or if they dont except payments on the account. Please help????

[Kanchazi]

Did you read the link I gave you, most of your answer are there.

[Drew22]

CUBICLE GANGSTERS


I recently worked at this horrible place. National Enterprise Systems is the collection agency from hell. It's the devil's worst nightmare. Employees are trained to collect according to the Fair Debt Collections Practices Act but once on the floor in their respective departments collectors are told to forget everything they learned.

My supervisor, regularly provided a second voice to collectors having trouble closing collections. This idiot would identify himself to callers as a federal agent, an NES attorney, etc., anything to try to scare the debtor into paying. He would actually tell debtors and their spouses that a lawsuit had been filed and if the account is not paid by postdated check by a certain time that day a deputy of the court was coming to serve the debtor on his job. I witness this on a daily basis all day long. XXXis neither a federal agent, attorney nor any of the other things he claims to be and NES don't sue debtors. All are clear violations of the Fair Debt Collections Practices Act.

Debtors are talked to as if they're inhuman. Even when the debtor is not home the person taking the message is treated like dirt. I will never forgot my supervisor shouting at an 81 year old African-American woman for not getting a pen and paper to take the message. "I DON'T CARE IF YOU ARE 81 YEARS OLD HE SCREAMED AT THE WOMAN." I've witness collectors hollering at kids "GO GET YOUR FATHER."

You are not supposed to talk to spouses—in certain states--about their significant others’ debt unless given permission by the spouse to do so. This rule is ignored at NES. In fact when I left training I put the document about the spouse rule on my cubicle wall to reference only to have it snatched and trashed by Bryan Howard who said I wouldn’t need it.

The owners are well aware of what is going on. These people are hands on owners. They constantly walk the call room floors, note the individual collectors and group collection sales and hear all the violations first hand. The more a collector screams at a debtor the more they like it. People actually clap and cheer when a collector goes off on a debtor. All that concerns these greedy money grabbers is how much money they are collecting at any given time.

Payments are demanded in full although they do offer settlements that are too demanded in full. Money orders and mail-in payments are not accepted, only postdated checks over-the-phone or Western Union Transfers for Citi Bank accounts. Some other creditors do allow NES to also take payment by credit card. For the postdated checks debtors are asked to give their accounting and routing numbers. NES, the scumbags they are, attempts to take the money out before the postdate. Nice company huh!

Collectors and supervisors once provided with bank info by the debtor call banks automated customer service numbers to obtain how much money they have in their accounts. We have their social security numbers so getting info this way is like taking candy from a baby. Some banks have safeguards against this and required you talk to a live person. They also work this wickedness on debtors’ credit card accounts or the credit card accounts of the debtors’ spouse, mother, father, etc. I remember one collector on the phone with a debtor saying “Your Mother Has $7,000 On Her Card She Can Use;” She Can Pay This Debt For You!”

If anyone needs someone who's "been there" in any of their legal actions against this despicable company I’m your guy.

Channel 19 News in Cleveland did an investigative report on NES on 5-14-08, here's the link: [url]www.woio.com[/url] - go to News Videos

[debtcollector`]

So what you are really saying drew is that you couldn't hack it and now you are bitter.

Get over it. Not everyone is cut out to be a collector.

DC

PS Giving that man's name could open you to libel issues.

[billcollector]

actually "professional" debt collector, it sounds like what drew is really saying is
1. employees are trained in fdcpa but instructed to disregard these laws after completing the training period
2. that management identifies themselves as federal agents, attorney, etc and threaten to sue, even though the company does not sue debtors
3. that third parties are treated like debtors
4. that the debt is disclosed to spouses in states that require verbal or written permission from the debtor to do so, even is such permission is not given
5. that the owner and his family members are aware and even encourage such behavior
6. that postdated checks are run prior to the postdate
7. an outlandish claim that infers that credit reports can be pulled on debtors parents
8. and a link to a news report that not only names the owner but also lists the number of claims filed to the bbb and the attorny general...which, according to your statement could also open the news company to libel.

yes, drew is obviously unhappy, and has posted the exact same thing on other sites, but to infer that one has to "hack" this type of behavior to be a collector is rediculous. of course, drew does not claim to have been a "professional" debt collector, whatever that is.

as to kywanthelp, why not send monthly pymnts via moneyorder? any money sent has to be applied to the debt, some creditors will charge monthly interest, others will not untill the debt is passed on, if you are sending the monthly pymnts there is a good chance the debt will not be passed on.

**note** as i am not a "professional" bill collector, i must add that the information is based on my experience, and may not be accurate in all circumstances. the agency that i am familiar with was not a debt buyer, but hired by the actual creditors or by debt buyers. not only is there ongoing fdcpa instruction, but some creditors require background checks and drug screening. ill aslo add that if you are not making at least 55k per year as a debt collector, your doing something wrong

[debtcollector`]

1. The thread is a year old.The OP is probably long gone.
2. I highly doubt that Drew's description is correct, I wanted to avoid just calling him a liar.
3. He accused a person by name of breaking the law and of committing serious ethical breaches, which given that this is a board frequented by professionals in the field could cause harm to that man.
4. He sounds exactly like a bitter ex-employee that couldn't hack it.
5. Most collectors at large agencies don't make $55k - the stars do. The run of the mill collector makes $30 - 50k.
6. We, if I may speak for the others, welcome accurate input.

DC

[Debt Guy]

Behavior of the type described is deplorable, illegal and will visit some terrible karma on the perpetrators.

To the degree that any of this is true, sit down and write a letter to the Federal Trade Commission, the BBB and the American Collectors Association and volunteer to testify as necessary. Blather on an internet forum achieves no good purpose.

I know nothing about this company. I do know that what is described is entirely possible (I've seen it). It is also could be nothing more than fiction (hell hath no wrath like an employee who failed to succeed and got canned). There is no way we can tell.

The FTC is beginning to take a hard line on complaints about collection agencies. The FTC has no specific power to bring regulation on the industry and they have no "Feather of Mut" to gauge the truth or lack thereof of the complaints they get. They are reacting to the rapidly growing volume. The ACA, the industry lobbyist, seems to be taking these concerns seriously. The ACA would like to establish a complaint mediation program modeled on the BBB or perhaps partner with the BBB to achieve that goal.

The worst nightmare of everyone -- consumer, collector and the FTC -- is if Congress gets involved. One never knows what sausage will be made if that happens. It is highly likely that anything out of Congress will have something for everyone -- meaning consumers will win something and collectors will win something and both will feel they got hosed by the other side. As always, the joker in the deck is the unintended consequence (for example, validation was intended as a way to deal with the precursor to what we today call identity theft - but it has morphed into an expensive and contentious battle between consumers and collectors over probative documentation and courts who rule willy-nilly in conflicting ways).

[billcollector]

1. yes the thread is almost a year old, but that didnt stop you from blasting drew two days ago
2. had you taken the time to watch the video, you would have seen the news coverage of a different ex employee, that not only confirms what drew states, but also lists the 650 bbb complaints and the 300 attorny general complaints, and as a bonus, you would have also learned that nes is used by the attorny generals office for their collections !
3. if your assessment of drew being a liar is correct, then was the name he provided true? or are you just picking what is convenient to criticize? the news report had no problem whatever of naming the owner of the company and posting his picture
4. again you go on about "hacking it". your so good at providing your opinion on other nes posts about how to handle the antics of the various collectors, but once one comes forward with the experience first hand, your quick to change sides
5. as i stated, i am not a proffessional bill collector, and my information is based on my experience only. 150k is what the stars get paid. 55k is a very low average. perhaps your experience is less than mine, as you are a self claimed "professional" debt collector, whatever that is. i was not able to find a median job rate for bill collectors or debt collectors, so i do wonder where your assessment of what large agencies pay comes from
6. i also, speaking only for myself, appreciate accurate input, which is why i watched the video clip, and researched other sites before making my post, steps that you neglected to take. perhaps the 'others' that you are speaking for would appreciate more than just your opinion?

[debtcollector`]

bill,
I have never condoned improper collection procedures and frankly I find your attempt to tar me with that brush laughable.

I don't know what kind of experience you have, but your assumptions regarding the collection industry are way off base. Actually, I think you are a yet another debtor posing as an insider to smear. So, good bye now. Buh-bye.

DC

[billcollector]

Originally Posted by debtcollector`

bill,
I have never condoned improper collection procedures and frankly I find your attempt to tar me with that brush laughable.

I don't know what kind of experience you have, but your assumptions regarding the collection industry are way off base. Actually, I think you are a yet another debtor posing as an insider to smear. So, good bye now. Buh-bye.

DC

debt,

why is it that you are quick to dispense your 'professional' whatever that is, opinion to debtors, yet you criticize an actual collector with nes, with documented proof of what he/she is saying for not being able to 'hack it'? what i find laughable is your ability to flip sides so quickly, not just on this post, but another one as well. perhaps thou doest protest to loudly

as stated, my information is based on my experience (8 yrs), and may not be accurate in all circumstances. i have searched the web and was not able to find a median job rate for bill collectors or debt collectors, so, once again, what is your opinion is based on?

the only thing i have 'smeared' is your illusion that drews post contains no substance. had you taken the time to look at the video, or even check some of your other posts about nes or even offered any substantial evidence to back up what you are saying, then you could rest on your laurels

being the self appointed mouthpiece "We, if I may speak for the others, welcome accurate input" you have yet to provide proof of anything short of your opinion

you call yourself a professional debt collector. care to explain what that means?

[Drew22]

Bill Collector, it's quite obvious that Debt Collector works for NES and is possibly one of many collectors there who have no problem perpetrating as Federal Agents, Attorneys, State Officials or Members of the Legal Departments in order to scare debtors (often to tears) into paying some off-the-wall unvalidated debt. I have no problem naming my supervisor Bryan Howard alias Paul Stevens--he changes his alias every few months--because i was right there listening to his blatant violations of the Fair Debt Collection Practices Act. And so were his manager Steve Bruss. In fact I was told to be just like him. Huh, that would have been a degrade of my persona. Everything I stated you can find on the Internet said by others. Are we all lying? Bryan Howard is still employed at NES because his collectors collect near the top every month. They are successful because they threatened, harass, intimidate, and use trickery. The few departments at NES that try to go about collecting the right way are always at the bottom in terms of collection dollars. I was fired because I wouldn't violate the FDCPA. I'm not a federal agent and wasn't going to perpetrate as one to please NES. And btw Debt Collector, there are too many ex-NES employees (who I'm speaking with now) who witnessed the same violations from Mr. Howard and others that I did. So let Mr. "YOU'VE JUST MADE THE BIGGEST MISTAKE IN YOUR LIFE BY NOT PAYING THIS BILL" Do what he has to do cause I'm definitely in the process of doing what I have to do.

[Debt Guy]

Guys

I repeat myself:

To the degree that any of this is true, sit down and write a letter to the Federal Trade Commission, the BBB and the American Collectors Association and volunteer to testify as necessary. Blather on an internet forum achieves no good purpose

Please take special note of the observation regarding blather. Either zip it or do something constructive. Please.