I have been getting pre recorded calls from a person from national enterprise system. At first I thought that they were solicitors so I have never returned their call. I finally yahooed that name and found it was a collection agency. This has been going on for the past 10 months. I do not have any credit problems or situations that could have a collector on my back. It could be from many years ago, there was a person with the same last name that lived on my street who had problems with collectors but I am afraid to speak with the company for fear of the consequences (what if they had something on me, or I don't want to verify anything that could cause me undue trouble with collectors, etc.).
since this guy has been calling 1 to 3 times a week for the past 10 months, leaving a message on my answering machine, I figure he was just fishing for information from me about me or someone else.
Any way I can get this guy to stop calling me without having to speak to him?
2006-09-25 09:13:46 · 13 answers · asked by howtostopcalls 1 in Business & Finance ➔ Credit
More info. I turned off the ringer long ago, don't answer my phone anymore, however this guy leaves an electronic message on my answering machine regularly. Thought that automated messages were illegal in the US. I turned off my answering machine during the day but leave it on during the week end. yesterday (sunday) he called and left his message again.
I pulled up my credit reports and find no discrepancies. I don't want to change my # as I had it for over 15 years. I live in the US. I do not want to contact these guys to confirm or deny anything, that they have been leaving messages for the past 9 months means that they are searching for info or verification that they don't have and I don't want to speak to them or give any info they don't have. I don't have any oustanding debts, that's why I'm worried that they are phishing.
thanks jd, I may try the cease and desist letter.
2006-09-25 11:09:32 · update #1
Dont pick up the phone.
2006-09-25 09:17:13 · answer #1 · answered by Vicky L 3 · 0⤊ 0⤋
First thing you MUST do is pull all three of your reports to see what has popped up. If you haven't pulled your reports in a while something may have surfaced. If nothing has then I woul google them and find their mailing addresse and send them a "Cease and Desist" letter. This letter is a legal remedy that is afforded to you through the FDCPA (Fair Debt Collection Practices Act). Simply tell them that you want them to cease any and all communication with you as provided by the FDCPA. Be sure to send it Certified, Return Receipt Requested as proof they recieved it. If they continue to contact you then you sue them in Small Claims under the FDCPA. Hope this helps. email me if you need more help.
2006-09-25 10:40:28 · answer #2 · answered by j d 2 · 1⤊ 0⤋
Try to get a free credit report first. Scan through it to see if there is any discrepancy. If there is, call the credit company up, have them correct it with your provided information. It take up to 48 hours for it to be corrected. Then you need to talk to that guy, pretending it like it's the first time you hear him call, ask for the reason. Then you decide from there whether it is you or someone else. Correct him if he is wrong. Good luck.
The web site below is where you can get your free annual credit report that you're entitled to once a year.
http://www.freeanualreport.com/
2006-09-25 10:44:09 · answer #3 · answered by TheOne 4 · 0⤊ 0⤋
I would definitely speak with him and find out why he's calling. If you've nothing to hide why would you want it to continue. I don't know how it is where you live (UK I assume) but in the US if a debt goes to a collections agent your credit is ruined. I had that happen and still am having trouble with it. If they indeed have an incorrect name it's better you handle in than have to put if with incessant phone calls. By the way, if he hasn't stopped in 10 months, why should he ever stop? Avoiding it does not help.
2006-09-25 09:18:56 · answer #4 · answered by i have no idea 6 · 0⤊ 0⤋
You need to find out why they are calling.
First you need to be absolutely certain that you are totally clear of unpaid debts BEFORE contacting them back.
Get a copy of your credit report from the credit reporting agencies.
AFTER you know for certain, it IS a mistake, then call them back and tell them it is a mistake.
Tell them if they think it is you to provide to you proof that you owe this alleged debt.
Once they provide proof, compare it against your records and if you don't owe it, challenge it.
If they still call once you are certain it is not you, you can complain to your state's attorney general's office or the state agency that regulates bill collectors.
In my state, it is illegal for them to call you using automated phone messages.
2006-09-25 10:56:56 · answer #5 · answered by markmywordz 5 · 0⤊ 0⤋
LISTEN VERY CAREFULLY... first call them and find out what or who they are calling for. If it turns out to be you, then tell them you will get back to them, but you want there fax number. Write them a letter let them know you are researching the matter and will get back to them at a later date. However, (this is key right here) you (the company) is not allowed to contact me regarding this matter. I (you) deemed all contacts as harrassment. BY LAW, once they have that letter, they can not call you. they know it, but many people don't. they can be sued it they do. Relax it might not be you, but why are you hiding. if it is you take care of it before it gets out of hand. Genius you have to tell them to not call you (in writing) they are not going to stop because you do not pick up the phone
2006-09-25 11:58:42 · answer #6 · answered by upfromnutin 2 · 0⤊ 0⤋
No, not really. When I had collectors calling me, I just unplugged the phone. Believe me, its better to call them back and ask what they are calling you about because they are not going to leave you alone until you do call them back. For all you know, it could just be a mistake. Be brave and give them a call, cause until you do, they will keep on calling you.
2006-09-25 09:19:20 · answer #7 · answered by Anonymous · 0⤊ 0⤋
I think the only option would be to change your phone# to an unlisted one. Then they cant find you. Especially if the debt isnt even yours! Did you pull your credit report recently? If you didnt, do it now. If they are a true creditor that you owe money to, then their name will show up on your credit report! Good luck!
2006-09-25 09:19:32 · answer #8 · answered by sem3578 2 · 0⤊ 0⤋
call them back and pay them their money if you owe them anything. Be an adult and face up to your problems. At least once the issue is resolved, you dont have to worry about it anymore. AND if you dont have anything to hide, answer the phone...sounds to me like youre hidding something!
2006-09-25 09:28:53 · answer #9 · answered by bib 2 · 0⤊ 0⤋
Change your phone #. Or have someone else answer the phone and say you don't live there anymore, or that you are in a coma?
2006-09-25 09:18:23 · answer #10 · answered by msnite1969 5 · 0⤊ 0⤋