NCO Financial Svcs seems to be trying to extract double payment for a
physician's bill which my mother owed back in November of last year.
The insurance policy (PIP) of the owner of the car in which she was
riding paid this bill on 2004/03/08, but NCO continues to report her
name in some sort of "Public Records" as not paying this bill. I have
tried to contact NCO directly through it's website, but they won't
accept my e-mail without a "case number." They have not sent us any
dunning letters, so I don't know what they are up to. I understand
that you can't take questions that relate to personal matters, but if
you could give me some insight into how NCO operates, I might be able
to figure a way of getting them off of my mother's back, short of a
court appearance, where a judge would tell them flat-out to leave her
alone. Am I misunderstandsing this situation or is NCO really trying
to collect a debt that has already been paid? (I have a written
statement from the insurance company stating that this debt was paid
on 2004/03/08.) |
Request for Question Clarification by
larre-ga
on
29 Apr 2004 18:28 PDT
You're correct that we cannot discuss personal information, however
perhaps if you can clarify a few more details of the problem, we can
assist you by researching general information.
By "Public Records" what do you mean? How did this particular phrase
come to your attention?
By chance are you describing a credit report? If so, there is likely a
way to remove negative information, or mitigate it with an independent
explanation of the circumstance.
Also what is your location (country)? Procedures vary by country, and
according to NCO's website, they service debt collection in the US,
Canada, and the U.K.
Thanks,
---larre
|
Clarification of Question by
joe210-ga
on
10 May 2004 18:52 PDT
The term "Public Records" appeared on an Experian (CreditExpert)
credit report, on two separate occasions, the latter being 2004/04/07.
The section is headed by the statement, "The following public records
were reported in your name." The "Type of Record" is "Grid Code G
(Collections)."
My location is southern Harford County (Joppa) Maryland.
NCO has made no attempt to actually collect the debt. They seem to be
more like a "snake in the grass," and I'm most interested in trying to
figure out what they're up to. Does NCO have any obligation to make
itself aware that the original debt (medical bill) has been paid to
the original debtor? Are they subtly trying to get my mother to pay
them, even no real debt actually exists?In light of the comment by
steph53, they seem willing to profit from "sharp practices." I'm as
much interested in gaining insight into how they operate as I am about
this particular "debt."
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