Not Safe For Bill Collectors

I recently had to let my cell phone go for about a month or two so I could buy school supplies for my kids.When it came time for me to pay my bill after 2 months of not paying I discovered that my provider sent it to a collection agency.I contatcted my provider and told them I would rather retain their service and pay my now $1100 because they charged me for a early termination of service fee for 3 phones.Especiallly on one that the contract had expired on and I really didn't intend on retaining, but I guess when I signed my new contract for my other 2 phones they went ahead and add that one to the plan.

Anyways their kind collection agency decdided to call me up at work last month and ask for the bill paid in full via a credit card (which I don't have) or kindly write them a check for the amount owed.I would like to know why every collection agency always thinks that the person their calling always has this money laying around!!!!!

I told them as nicely as possible I don't have that kind of money and that I can pay them $50 - $60 a month do to the fact that my former cell phone provider sent me over to them so fuckiing fast after talking to them the week before.They asked my how much I had intended to pay the provider and I told them I was going to give them $400 if nothing came up or went wrong.At this time they said we will go ahead and take that amount out of your checking account for you right now.I had to stop them right there and tell them I haven't been paid yet and there is no money in the bank for you to take out.And so the rest of the conversation goes back and forth of me telling them I don't have my checking account number with me nor do I know it.I let my wife handle all that because I tend to screw things up and put us in the hole.I had spent 20 minutes on the phone telling them this over and over.So then they had convinced me to call the bank and get the checking account number from them over the phone and they would dial the phone from their office and we would do a conference call.I tried several times to tell them it isn't going to happen because I don't know the account number!

And much to the collectors surprise the bank even told her over the phone that they will not give out any account information with the account number and my password.So they called my wife after I finally managed to convince them to contact her and get the damn info from her.Well about 2 weeks go by and the collection agency agreed to take on a specified date unless told otherwise.Something came up and I had to use the money that I was going to pay part of my bill with to fix my wifes stupid car and purchase my diabetes medication, antidepressants, cholestoral, and blood pressure medication.Yes I a very screwed up person taking almost an entire pharamacy's worth of medication or about $200 bucks worth at least.The thing is part of them is on the $4 plan at Wal - Mart and the ones that aren't my insurance doesn't cover engough of it to lower the price to their supposed co-pay!

My wife called them and told them not to take out do to this fact of unforseen circumstances and the fact all my damn OT had dropped off the face of the earth.And that there would be no money in the bank for them to make the withdrawl.I'm guessing they heard theres $8 in the bank you can have that and feel free to pass that check that we promised about 5 times so that we can owe the bank an insufficent funds fee and make to we have have to pay you also for the same fee.

After seeing I was $125 in the hole due to them and having to pay their fucking return check fees I wound up losing about $200, the same $200 I was going to pay my land lord for back rent because of the fact when gas prices spiked I couldn't pay my rent in full and had to give what I could so I could get back and forth to work and buy my meds.So I called them and asked why they did this.The only answer I could get was that they were trying to collect on the debt owed to their client.I told them please don't do it again and to contact my wife about all future transactions.About an hour later I receive a phone call at work from my wfie telling me that she contacted the collection agency about paying a different amount and she was forwarded off to collection reps supervisor.Who became very rude with my wife and told her that I needed to go out and get a personal loan or get a pay day advance at a check cashing store and pay them in full plus the return check fees!She tried several time to get them to work with us on paying on the debt but that supervisor continued on their rude ass ways and hung up on my wife.

So I decided to do a little research into the collection agency better known as NCO.

NCO as it turns out has been in quite a bit of trouble over the past few years because of their tatics of obtaining money for their clients, such as harassment, threatening phone calls about taking people to court if they don't pay what they want them to pay within their time frame.

Hmmm, I do believe all of this has happend to me over the past 2 weeks, hell over last weekend I also found out that I can send them a letter and tell them to stop all contact by phone and to have them send me a bill.So I did that and yet the bastards still call me at home after I know damn good and well they recieved the letter.I told them that I don't need the interuption at work or at home.

Today they had the nerve to call me at work and I was very busy at the momenet and decided to be rude right back at them and tried to get the NCO rep to expalin to me that after a letter and a e-mail has been sent to them that they still have the fucking gall to call me at work and harass me.I was instructed that I had a problem and that I needed to correct it right now.I told them if your not willing to work with me and demand that I pay the entire amount right now then yeah I have a problem and I have a problem with my wife calling them and telling them to not take anything from the bank but you assholes did anyways.Not once for a returned check but 5 fucking times and that they should be thankful that the money was there the next day when I got paid to cover the banks fee and theirs.If no one at NCO wanted to work with me or stop harassing me at work and send me a fucking bill like I asked for sot that I could pay them what I could each month then they aren't going to get any money!!!!!!

Now tell me who the helll is going to answer me from your company why the hell a returned check has to be done 5 times after being told that there would be no money for you to withdrawal!!!!!

The next thing I know I hear a dial tone, I hope to god that they made good on their promise to record our conversation for quality control purposes so maybe in the future the assholes will learn to listen to the debtors and not their fucking greed and bonuses for pissing some one like me off!

A very pissed off gop out......................................