Listen to a Live Call as Nationwide Credit Violates the FDCPA and The FTC Consent Decree- Are you a Victim of Nationwide? by Robert Paisola

Now we have a full blown interview with a former manager inside Nationwide. THEY KNEW that they were violating your rights. We have the emails. We have the memos and we have live recordings from the INTERNAL TRAININGS AT NCI CANADA discussing Western Capital. You will be amazed! Stay tuned for the audio, the docs and the transcription!

Nationwide Credit Inc. Does it Again!! This time we are blessed to speak to with a VICE PRESIDENT NAMED Hyro (you listen to the recording!) Gonzalez and Tim Rushing regarding our client Jeremy and Samantha Hedrick. "We will not deal with Mr. Paisola and his company BECAUSE OF HIS CHARACTER!" My friends, people with Character Defects do not Create Foundations to GIVE BACK and turn away Ten Million Dollars to stop exposing fraud. The tapes are being uploaded and transcribed now. We also have a LIVE reply from American Express as well as commentary from The Associated Press. The story will be posted today! Let the Class Action Continue!

Part 2 of this Call has been Uploaded and Transcribed. You will hear Mr. Gonzalez say "We will not work with you" as an official Vice President of Nationwide Credit.

WE WANT TO INTERVIEW PAT CARROL, THE CEO, AT NATIONWIDE CREDIT ON THE RECORD

NATIONWIDE CREDIT, INC AND AMERICAN EXPRESS/ AMERIPRISE FINANCIAL TO BE NAMED IN CLASS ACTION LAWSUIT- LISTEN TO THE CALLS- READ THE LEGAL CONSENT DECREES- LISTEN TO THE TERRORISTIC WAYS THAT THIS COMPANY COLLECTS- NOTICE THE OBVIOUS DISCRIMINATION AGAINST OUR CLIENTS FROM SRI LANKA- NOTICE HOW THE DIRECTOR OF OPERATIONS COULD CARE LESS- LISTEN TO HOW FAR THE THREATS GO- NOW IMAGINE THAT THIS IS YOUR MOM THAT THEY ARE TALKING TO!

Here is the call! Sit back Relax and enjoy- It is 58 Minutes- The transcript will be posted shortly!

Mr. Paisola,

I read the items on your web page regarding Nationwide Credit, Inc. and my wife is experiencing a similar situation. She had an account with American Express One. She had a balance of $9700 and was paying in a timely manner the minimum payments until we hit a rough patch this summer. We did make some payments to American Express One but it did not cover the minimum payments. American Express turned it over to Nationwide Credit, but we only found about that yesterday evening when they called my wife. My wife said they threatened to sue her if she did not pay the full amount by 5 PM. They then called back and said they would sue unless she paid the full amount by 7 am this morning or unless she paid 33% of the full amount. I did some research on the company and in addition to what I saw on your site and Bud Hibbs’ site, I also saw that on two occasions they had to enter into consent decrees with the FTC for alleged violations of the FDCPA, the latest being in 1998.

I called them this morning and spoke to them. I am attorney so I advised them that I am an attorney but I am not acting as one for purposes of this matter and I will not be representing my wife. I then asked for the person’s name, name of collection agency, address, fax number, creditor being represented and amount at issue. She was incredibly defensive and refused to give their address and fax number until I advised them that this itself could be construed as a violation of the FDCPA. She did finally provide the address and fax number. I then asked if she was trained in regard to the FDCPA. Again she became defensive until I told her that this was required under their 1998 Consent Decree.

I then proceeded to discuss the debt and the calls last night. She claims she never threatened to sue my wife, and that my wife claimed that she did not receive any income in 2006, that she admitted the debt, and that she said she would not be able to pay it. My wife is not home at the moment, but I doubt that she said all those things. At any rate, they are clearly angling to imply some sort of “credit fraud” on the part of my wife. The reality is that my wife is self-employed and did earn on average $50,000 a year, and this is what she put on her application.

The person reiterated that they only way we can avoid litigation is to pay either the entire amount or 33% up front and then the remainder over the next two months. She refused to consider any other alternative payment plans so I could not even proffer one. I then informed them that they are not even providing time for us to exercise our rights under the FDCPA because we have not even received the notice letter. She said they mailed it yesterday. I said I have the right to review the letter and exercise any rights I may have under the FDCPA. She told me that as far as they are concerned my wife is in breach and they do not need to wait any more to initiate further action (now she was deliberately avoiding specifically referencing “litigation” since she knew I was aware that that would be a violation). I then asked again for a few days to see whether I could find some way to meet their payment dictates. She refused, but did say that she told my wife that she could ask friends or family for a loan, pay by credit card or call American General for a loan. I said I would need the weekend to explore these options. She said she would not give that time, and that I would only have until 3PM Pacific time today and that if I was unable to find some way to do the payment they would proceed with “further action”.

She then put her supervisor on, or her supervisor jumped on (I did not ask for a supervisor) who reiterated that I would only have until 3 PM to respond before they took further action. I think she had slipped and said that they would then contact an employer, but I think the supervisor caught herself. It may be on their tape since they said they were recording it. I then asked numerous times what they meant by “further action” and they both refused to answer and then they ended this call.

I am quite frankly stunned. I knew some collection agencies could be unsavory and disreputable, but I never thought one would be blatantly so, and that American Express would do any kind of business with them knowing that they had already entered into two consent decrees. We need your assistance. From what I read on your web site, you sound like just the type of person that can help us with these people.

I will head over to PayPal right now to pay your fee.

http://www.collectionindustrylive.com/news_vipservices.html

Thanks,

Harisha Bastiampillai

P.S. My wife’s name is Shankari.

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LISTEN TO THE CALL AND READ THE FULL LEGAL TRANSCRIPT