To: GMAC & Nuvell
As of today, I have had enough.
After I have asked to talked with a Nuvell supervisor on duty over 6 months ago, only to have the phone slam down and disconnected and after my 12 Year old daughter was called a dumb a* liar by Nuvell, then nuvell rep. Slammed the phone down. So I traced it back to Nuvell via BellSouth. Enough is ENOUGH!
You guys need to read the consumer law's of South Carolina.
In particular, can a debt collector contact you at work.
After I have told Nuvell to quit calling meat work, And after the horrendous ordeal with the supervisor and my daughter being harassed at home, after all of this, I have recorder via my phone voice mail box at work 210 calls at work.
Here is a little F.Y. I for ya.
And by the way, when the supervisor on duty, that slammed the phone down on me. I was willing to make a phone payment on the payment that was a mix-up on my banks part. But still that does not excuse the malicious abuse by Nuvell on myself and my family and neighbor have received from Nuvell and my neighbor was not even listed as a contact on the loan. Another SC law violation.
FYI - from the consumer credit laws of SC.
SOUTH CAROLINA DEPARTMENT OF
CONSUMER AFFAIRS
Q. How may a debt collector contact you?
A.
A collector may contact you in person, by mail, telephone, telegram, or FAX.
However, a debt collector may not contact you at unreasonable times or places, such as before 8 A.M. Or after 9 P.M., unless you agree. A debt collector also may not contact you at work in South Carolina.
Q. What types of debt collection practices are prohibited?
A. Harassment. Debt collectors may not harass, oppress, or abuse any person.
For example, debt collectors may not:
— falsely imply that they are attorneys or government representatives.
— falsely imply that you have committed a crime;
— falsely represent that they operate or work for a credit bureau;
— misrepresent the amount of your debt;
— misrepresent the involvement of an attorney in collecting a debt;
— indicate that papers being sent to you are legal forms when they are not;
— indicate that papers being sent to you are not legal forms when they are.
Debt collectors also may not state that:
— you will be arrested if you do not pay your debt;
— they will seize, garnish, attach, or sell your property or wages, unless
the collection agency or credit intends to do so, and it is legal to do so
(garnishment is currently prohibited in South Carolina.
Q. What can you do if you believe a debt collector violated the law?
A.
You have the right to sue a collector in a state or federal court within one year from the date you believe the law was violated. If your win, you may recover money for the damages you suffered. Court costs and attorney's fees also can be recovered.
Recover money for damages up to $500,000, or one percent of the collector's net worth, whichever is less.
Q.
Where can you report a debt collector for an alleged violation of the law?
A. Report any problems you have with a debt collector to the Department of Consumer Affairs and the Federal Trade Commission. (This has been done on my part)
Highly upset and appalled by the training you Nuvell rep's have received.
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