Unwelcome phone calls

[sojourner]

There is something suspicious to me about "Say What!".

 

[trekkiedane]

There is something suspicious to me about "Say What!".

Like... all their posts are in this thread?

 

[SVD]

Thirded on being leery of Mr. "Say What!"

 

[SeerSGB]

Thirded on being leery of Mr. "Say What!"

+1

So fourth.

 

[trekkiedane]

Soooo, what exactly are we saying here?

RoJo has a stalker that also harasses his parents, grandma AND his on-line hangouts?

 

[SeerSGB]

Not going to call stalker, but it does seem odd that the new guy singles out this one post and post no where else on the board.

And it's not unheard of.

 

[trekkiedane]

^Possible, but:

I googled the phone number, and apparently this guy has been harrassing a bunch of people. He claims to work for a debt collector, but nobody can get information out of him before he hangs up on them.

And:

Stalk (verb):
to pursue (game, a person, etc.) stealthily.
to proceed in a steady, deliberate, or sinister manner.​

I'd say: if the shoe fits...

 

[RoJoHen]

Apparently nobody important works at my old apartment on Mondays, so I couldn't find anything out. I will attempt again tomorrow.

 

[P0sitr0nic]

As a former debt collector, i learned a few tricks. You have the legal right to demand all communication be done in writing. "Send the info in writing, and never call again." If they call again, its a sueable offense. Sue them into the stone age.

 

[archeryguy1701]

RoJoHen, be very careful... even if you do manage to establish that there is a debt, don't give your card number over the phone unless the "collector" gives you more to work with. You don't want your $3000 to get someone a trip to the Bahamas or have your $3000 charge mysteriously clean out your entire account.

That assumes the debt is legit-- and given HW's rep, there's a good chance that it's not. And sorry the law says they have to provide proof of that debt, it's up to them to make sure it's getting to the right person. If they refuse to validate, then then they can't collect.

Wrong Grizzly Adams! The burden of proof is ALWAYS on the debtor because their client has YOUR signature all over the signed legally binding lease.

So? If the debt collector has these legally binding documents, why not cough them up?

"We have proof that you owe us, but we won't show it to you! Na Na!! "

If you can't prove within the first 30 days that the debt is not yours then it is and they can LEGALLY report it to the credit bureaus and proceed with further actions after that.

Have you actually read any part of this thread? The collector isn't even telling him what the debt might be for. How is it RoJoHen's responsibility to prove that a debt isn't his when he's not being told what the charge is? Should he go back and check every single thing that might have resulted in a debt? I'm amazed at how adament you are that not only is RoJoHen in the wrong, but how every American who has reported or complained about a debt collector is lying.

Also, are you familiar with Social Engineering or Phishing? This is exactly what this situation sounds like. A caller wanting credit card numbers with no evidence of who he is, what the charge is, or that the charge even exists. I mean this with all due respect to anyone who may have done this before, but you would be a dumbass to give information out under these circumstances, especially credit card numbers.

In your opinion Say What!, if I call a random person in the phone book claiming to be a debt collector and demanding that they give me their credit card number for $XXX, should they be expected to give it to me? Don't comment on whether or not it is ethical to impersonate a debt collector- tell me why or why not John Doe should give his card number to me, The Debt Collector.

 

[Aragorn]

Yes, but that doesn't stop someone from claiming you didn't pay some fee or you missed a payment and year later they come after you even after the rest is paid off. Or for that matter, you can pay a bill off and it still end up in collections over a clerical error.

Debt collectors are bottom feeders and con artists. It doesn't matter if you have no debt or aren't even the person they're calling for, just as long as they get money out of you. Even if you tell them they have the wrong number, they'll still call back later.

RoJoHen, if the guy wouldn't tell you what you owe debt for, then it's pretty safe to assume you don't actually owe it.

I have my phone number listed in the phone book as first initial last name, so I used to get a crapload of calls asking for someone who doesn't even live here and I've never heard of before. One time I even asked why they were calling after I had told them they had the wrong number and the person on the other end came up with a pretty unconvincing lie trying to act like they weren't a debt collector.

But after I got caller ID, I never have to answer the phone again.

Where have you been? Telemarketers and debt collectors don't let you get their phone numbers. They show as "restricted."

The majority of debt collectors that call my land line actually show a number, so the repeat callers I just put on block... but I've already maxed out my blocked numbers limit.

Usually it's the political pre-recorded ads that come at me from "private caller."

On a side note, just having read this thread for the first time, why the frak is there a debt collector on here? And posting exactly like how they talk on the phone with the same bully tactics too!

 

[Thena]

There is something suspicious to me about "Say What!".

On a side note, just having read this thread for the first time, why the frak is there a debt collector on here? And posting exactly like how they talk on the phone with the same bully tactics too!

The name of the debt collector and the agency have been mentioned in this thread, and this forum is open and presumably searchable to Google. I would not be surprised if Say What! is trolling around the Internets looking for ways to bully supposed debtors into paying up.

 

[Aragorn]

Well I feel disappointed that Hunter Warfield has never called me with false debts and idle threats. Unless they're one of the unlisted numbers that have called.

I always Google the numbers of unknown calls I get. If they're debt collectors I block them. March of Dimes has been pretty annoying lately with all the calls I've been getting from them from multiple numbers. This really isn't making me want to donate money to them.

 

[SVD]

The name of the debt collector and the agency have been mentioned in this thread, and this forum is open and presumably searchable to Google. I would not be surprised if Say What! is trolling around the Internets looking for ways to bully supposed debtors into paying up.

Findable by Google anyway, this thread found in this search results page, 2nd from the bottom.

 

[Amaris]

Well I feel disappointed that Hunter Warfield has never called me with false debts and idle threats. Unless they're one of the unlisted numbers that have called.

I always Google the numbers of unknown calls I get. If they're debt collectors I block them. March of Dimes has been pretty annoying lately with all the calls I've been getting from them from multiple numbers. This really isn't making me want to donate money to them.

I get that from a local chapter of the Kids Wish Network. Look, I love kids, and I want them to be happy and healthy, but calling me four times a week insisting I said I would donate is not the way to get me to donate either.

 

[Aragorn]

Doing my own Google search of Hunter Warfield, someone says that they changed their name to HW a few years back so that all the negative complaints against the previous name would wash off. Of course, now there's a boatload of complaints against Hunter Warfield!

 

[Australis]

Good to see I'm not the only one getting funny vibe off Say What! He doesn't seem to have returned either. And I was thinking of notifying the mod before 4th hanson bro dropped in on him (notifying the mod literally, not 'notifying the mod' )

I go with the crowd that says unless they validate, don't pay. Have you tried ringing your former flatmates? Maybe the bill was in their name and that address, and it's been redirected to you or something?

 

[SeerSGB]

Good to see I'm not the only one getting funny vibe off Say What! He doesn't seem to have returned either. And I was thinking of notifying the mod before 4th hanson bro dropped in on him (notifying the mod literally, not 'notifying the mod' )

I go with the crowd that says unless they validate, don't pay. Have you tried ringing your former flatmates? Maybe the bill was in their name and that address, and it's been redirected to you or something?

Plus it could be an old debt hanging over the apartment passing from person person. Basically someone stiff the landlord and they just pass the debt down to each new tenant till someone pays. Had a classmate that this happened to once.

 

[MANT!]

Hmm..Say What also didn't identify himself properly per FTC guidelines regarding Social Media..

http://www.npr.org/templates/story/story.php?storyId=128464415&ps=cprs

And when asked if it is legal for a collections agent to "friend" a debtor online without mentioning the debt, the FTC sent this e-mail response:

FDCPA mandates that collectors must disclose that they are attempting to collect on a debt and any information obtained will be used for that purpose. It also requires that collectors state in subsequent communications with the debtor that they are a debt collector. A collector's failure to make these disclosures would violate Section 807(11).
​

RoJo..you might have been targeted specifically by this "gentleman"..and might have a case...

 

[Amaris]

Hmm..Say What also didn't identify himself properly per FTC guidelines regarding Social Media..

http://www.npr.org/templates/story/story.php?storyId=128464415&ps=cprs

And when asked if it is legal for a collections agent to "friend" a debtor online without mentioning the debt, the FTC sent this e-mail response:

FDCPA mandates that collectors must disclose that they are attempting to collect on a debt and any information obtained will be used for that purpose. It also requires that collectors state in subsequent communications with the debtor that they are a debt collector. A collector's failure to make these disclosures would violate Section 807(11).
​

RoJo..you might have been targeted specifically by this "gentleman"..and might have a case...

Exactly. I saw in the earliest parts of the thread where he said he was a debt collector, and that may have been an attempt to skirt the mandate, but it wouldn't be enough as the debtor, the debt, and the disclosure were never specifically stated by the debt collector.

If that was a debt collector out for Rojo, then he should take him to the cleaners. I despise unethical debt collection practices.