I have emails and references that have received emails & phone calls discussing this. Nacy Neal has said my references have been deleted and no further contact will be initiated. I have voicemails and missed calls and calls I've answered constantly daily, back to back phone calls. And you said your phone calls are recorded and my case manager told me " I don't care you know the laws if you don't want to pay your payment I'm going to call whoever", and " I asked why are you playing scar tactics with me and here reply was well if you made a payment we wouldn't do it" Nancy Neal and this person hangs up on me tells me they are not talking to me, so they are in charge if my account but Im not allowed to talk to them? I was told TODAY November 27 at 11:17am and again 11:42am a email confirming references will be deleted and no further contact and if contact was needed my personal number is open which it has always been. And it doesn't end there. Nancy Neal or whomever who's idea it was to collect person cell phone numbers outside references I provided.
Under The Federal Fair Debt Collection Practices Act (15 U.S.C. §§ 1692-1692p
: May contact third parties to try to locate you. They cannot indicate that they are attempting to collect a debt. They are generally prohibited from contacting a third party more than once.
And my references have plenty of phone calls and voicemails and emails. And lastly last conversation I had with the case manager told me she didn't know the laws or rights pertaining to any of this and she said since I know so much about this why am I talking to you? So since you don't know your rights here you are:
Additionally, under 15 U.S.C. §1692k, consumers may sue debt collectors for violating any part of the Fair Debt Collection Practices Act, Consumers may sue for the amount of any damages caused by the violation, as well as additional damages of up to $1000 per violation.
If the collector sues you for the debt and you have been the victim of abusive collection tactics, you may use the affirmative defense of "recoupment" to reduce your debt. Consumers are entitled to any out-of-pocket expenses, and up to $1000 per violation of the fair debt collection practices laws, which can be used to offset the amount owed:
Set financial is a horrible business poorly put together and a bunch of poorly educated people who fight and hangup and also harasses people daily and references. They claim they don't know the law or rights of the people they service, they try to bully and make people fear to pay them or else. They have broke so many laws and all they do is hang up and have different people call back constantly, they not only contacted my references they also contacted outside people I never listed to get personal numbers. I have all the proof I need including references, emails, phone calls and voicemails.
You seriously need to fix your problems before you get more from other pissed of people.
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