This company is very shady. They will contradict themselves repeatedly, threaten to add negative information to your credit report. We are dealing with them about a untility bill from a power company that has been sitting for 10 YEARS. No one has contacted us, the original debtor did not send a bill, we don't know if this is legitimate. We contacted the Power company from which NCO says the bill originated. They have no record of the amount owed, and no account information. NCO has either inflated the amount owed drastically or has just made up the debt. They are difficult, rude and they lie. We were told by one rep that the actual amount of the bill was $440.00 but that it had accrued 270.00 in interest. We found this absurd, since we'd never been contacted, so had no opportunity to prevent the interest from accruing. Another representative said that there had not been any accrual of interest, and that we simply owed over $700.00 from the start. (How could we owe that much To a power company, for a regular house? If we owed that much money surely the power would have been cut off. There is no way we could have racked up a $700.00 electric bill before they decided to cut off the power.) None the less, they maintain that we owe the money but won't provide proof. After much resistance they agree to fax the bill so that we can look at it. (They were asking us to pay over the phone on the first day they contacted us about this 10 year old bill.) They told us it would take 3 to 5 days to receive the fax. 5 Days later there was no fax. When we contacted them they said "Oh, we CAN'T send faxes, we can only use U.S. Postal Service." Had they mailed us anything, then? No, they had not even done so. We'd been waiting 5 days for nothing. One month later? Still nothing. We finally received the bill after 2 months. It states nothing as proof, and comes from another company (Leading Edge Recovery solutions) who claims that NCO is their client. We are NOT paying this bill. There is information available out there. There are attorneys that can help. Look at the website www.bankrate.com. Through that website you can find attorneys that specialize in this area. Also links to the fair credit reporting act. Don't post to websites like this asking for help, though. Read the posts for information, write it down, and empower yourself. No one will do it for you, and it's YOUR money. Don't sit back and let them take your cash, and don't let them harass you. Get the information and mail them a dispute. Send it via CERTIFIED mail. (It will cost only $3.00) They CAN'T contact you if you dispute it within 30 days unless they provide proof of the debt. They ARE NOT allowed to inflate the amount of the Debt. And they are not allowed to misrepresent how much you owe. If you make a paper trail you will have the upper hand in the matter.
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