They have been calling me and while I was on dilaudid called saying I took a loan out in 2008 with wrong address when asked for the account in which loan was deposited they said that's evidence toward the case we can give you ........... So they threatened to arrest me ad the only way out was to pay 409.95 that day (last Friday) then another 259.95 on may 2 they took 400 Friday then another 9.95 today we had payday loans that we pain off late and a few months ago this place called again and got 159.95 off us but said they didn't they never send receipts now I have new account which they have again and don't know what to do I can't afford money for b***s*** scams

did you ever find a way to reach them?

They started calling us last week (the day before the Thanksgiving holiday) and left a v.m. that they needed a call back.  Called today(Monday) and was informed that they had turned the account over to the sheriff's department.  What account?  Will not give me any information.  Called from 800-214-7813, then from an "unknown" number.  

Never received anything by mail....cannot believe this is legal.  Are they not supposed to send you documentation in writing?

FCW just compromised my debit card and tried to get money out of my acct. I never have any type of payday loans or anything. I wish I know how they got my card number. Sorry a** b*****ds!

I just called that # and that voice on the answering maching is the same man who has been calling me from "Asset Processing Services". They are a SCAM!

A relative was contacted by a company trying to get ahold of me. She was told I had a payday loan out and they were a group of attorneys given my info and if I didnt pay, they would garnish my wages. I called back, and as DUMB as I am gave them a payment over the phone. However, when the payment was taken out I googled the info that was on my bank info.

On the bank statement it read "NCW BILLING SERVICES /  866-6185731 NY"

This is NOT the # they contacted me with, or gave me and is now DISCONNECTED...however, it is linked still with their withdrawl technique. After reading all of these blogs, I have cancelled my bank account card that I gave them. I also called back around 15x from the number they had on file for me, and recieved NO ANSWER.
However, I decided to call from my work phone, and while recieving no answer originally...they called me right back.
I spoke with a man (who right off the bat sounded confused about my "acount") and when I told him what I found about  this company, he politely told me to "please hold."
After moments, an attorney got on the line and told me that he will not be crediting my account back, and that he will hire an additional lawyer in my city to garnish my wages. I DEMANDED a reciept and he told me he will furnish it within the hour...that was 6 hrs ago. I asked who owned the company, they said they could not give me that info. Also, I asked for the address at the end of the call and he hung up on me.
I waited and called back from yet ANOTHER # and got a young girl, I asked what was the address I could send my payment to and the physical address? She gave me the following:

1902 Ridge Rd Suite #117
West Seneca, NY 14224

This company's name was listed as "Independent Asset Consultations"
AKA: The UPS Store....its a PO box at a UPS store. She told me that was their "Payment processing address"

The next was:
2010 Memorial Drive
Castlewood, VA. 24224

This was a single family home for sale going for roughly $150,000 (if anyone is HOUSE HUNTING).

I also found their website. He is the link: www.assetprocessing.com

Also, I went through some of the numbers that have recently called my phone. They are ALL disconected or just says "mailbox full"

801.647.0293
909.374.9789
440.776.8949
323.761.2617

The # they have been recently using with me is 855.804.1792. The lady gave me X 414. This is the number I had tried to call back tons of times and recieved no answer, until I called from a different #...and they called me RIGHT BACK!

Also, a few bits of info to look for if this happens to you....

~After making a paymet they gave me an "approval code" like 01-026CAUD or 001187-MCRO.

~They tell you they "own" your account. Over and over!

~They also charge you a processing fee and tell you its according to your state. Some could be 9.95 some states, up to $14. They take this out seperatly from the payment.

Has any of these similar events happen to anyone else?

NCW has been harrassing us for two years!  My hubby had a pay day loan that was payed off 10 years ago.  These people claim that they are collecting on a PDL (cash net usa) from 2007. (most of the posts i have read, NCW is collecting debts from only the year 2007) Anyway....we contacted the PDL company and was told that we are in good standing and that the load was never sent to a debt collector. Plus Cash Net does not send uncollected debt to this company.  They have a report of around 1000 complaint about this company.  DO NOT PAY NCW ANYTHING!!!! THEY ARE SCAMMERS FROM HELL!!!!

I got this call as well...contacted Attorney General...they advised that you do not send nothing out or give information..just simply hang up...also they said if you do have a conversation with them ask them for their business ID

Getting calls from 888-583-1158. They have correct first and last name, but wrong social, middle name, birth date and address. Won't give me their address to file a complaint against them.

This is ridiculous! They have no legal means to freeze your bank account. This post is written by the same payday loan collectors that are calling. Go F#CK YOURSELVES!

This company is calling my cell phone everyday!! I looked up the company and found out that this is a scam to get money out of you!  I'm not paying them anything!

I wish I had done some research before I sent NCW money. I had my identity stolen and have an affidavit of identity theft. When I received a call from Mr. Hughes at NCW ext 107 and explained that to him, he stated that unless some payment was received, the attorneys were going to start pursuing theft of services charges, and a bunch of other bad check type charges the next day, weather or not I had the ID Affidavit & police report. I sent $100 that day and made a payment arrangement for the rest. I sent $367.00 the following week and was supposed to send $349 today. I called and spoke with Mr.McAllister at ext 102 and told him I wouldn't be sending any more money, I had spoken with an attorney and was advised that I shouldn't have paid any of the money, that as soon as I said I was the victim of ID theft, they should have asked for the Affidavit and police report and stopped the calls. He started screaming at me about how I'd rot in jail...blah blah blah. In any case, I'm reporting all of the phone calls to the AG's office. AND the principal on the pay day loan was $350. I paid $150 last July and $185 last October directly to the pdl place, plus what I paid in March--the $100 + $367 to NCW...I'd say I've paid it off. In any case, these people are horrible. I wouldn't give them a DIME if you haven't already.  I have to add that the ONLY reason I made any kind of payment is because my employer has a good morals clause and if they had contacted my employer and mentioned pressing charges, I could loose my job, much less actually take me to court.  It scared me!  Don't send money though!

I've been getting calls from this # and I just ignored it because it was a strange message and I don't owe anyone any money.  I got tired of them calling me so I called them back to see what the deal was and get them to quit calling me.  Turns out they weren't even looking for me, it was a relative.  I gave them his home # and they asked for a cell # but I told them out of respect for his privacy I wouldn't give out that much info.  Then the man on the phone said, "What's so top secret about his cellphone number??" Haha.  Being rude like that is going to get you nowhere.  I told him I did my part now they can try reaching him instead of harassing me.  He's lucky I gave him that much information! I will definitely let him know not to send money to these people.  I would never pay a credit collector personally.  I would rather ask who they are collecting for and call the actually company myseld and make payments directly to them.  At least you will know it's legit.

DO NOT SEND THEM MONEY.

Weird....this same posting is on a few boards....hmmmmmmm....I wonder who wrote this.

something about buying out credit card account

I have gotten numerous calls from NCW about an old payday loan threatening to file a felony complaint against me.  I have asked them for their website and they say they don't have one.  I have also asked them to send me something in writing and they never have.  They wait another week or two and call again and want me to give them a credit card number that day to settle this.  Do they think I am stupid, I wouldn't give anyone my credit card number.  Then they wait another week or two and call again to settle this.  I don't have a phone so they call my mother.  She got on the phone and told them to never call her number again and they still do.  I believe they are scammers also.  I called the Attorney General's in New York where they said they were located.  Who else can I report them to?  doris0986@aol.com

My name is Barry and I also had a Payday loan that I did not pay from 2007. I got calls from a NCW National Credit Works at my job and they left messages at my In Laws. I had read blogs from this site and others and did not respond to the calls. I should have responded, because now I must appear to answer to checks that bounced to the payday loan company and an attorney froze my bank account. I'm sure that there are some collection scams out there, but I actually had a loan that I did not pay and I should have done something to pay it off. I thought that I could not get into trouble for something so long ago, but I guess it is because I used my banking info to get the loan. I am pissed and All of my bills are bouncing...I just wanted everyone to know, that if you had a loan, it is Not a Scam and don't let all these other blogs about not paying the money back get you into the situation that I'm in!!!!!!!

Do not respond or worry about any call from NCW, National Credit Works, Tell John Licata and Doug Mackinon to F-off! as they are scam artists who try and scare people out of their money. DO NOT BE SCARED OF THEM. They will threaten you will legal action, they will claim an officer is coming to your home to arrest you haha, they will claim they are suing you.....TRUST ME,  they will not and can not do anything to you other than call and be dicks. I have been dealing with NCW for the last year, only because they try and call me every day and my work. I promise you that they have no legal recourse in any way, they have broken every single debt collector rule in the book, they are being investigated by the FBI, report them to you local police, senator, governor, FTC etc.... They will not sue you, nor do they have the legal means to. It is all blank threats to try and sucker scared people into giving them money. DO NOT GIVE THE SCAMMERS A DIME!...JOHN LICATA called me 100 times in one day, telling me the police were coming to my house haha...so I told him I was waiting there all day, lol NOTHING, a year later all I get are phone calls, so I changed my number, and my work number and my boss even told them to go F-off! haha...so I got a pre paid cell phone and I harass them back. I call them 200 times a day, yelling and screaming curse words at them just to F with them like they F with me ahha.....please don't take NCW so seriously, it's a joke of a company and they will not ever do anything to you!!!! JOHHNY BOY LICATA and DOUG the FREAK MACKINON will burn in hell soon! or get raped in jail for fraud and illegal debt collecting threats!

I have received numerous phone calls from this number (too many for my call history to contain) along with other numbers.

I called back and I got the voice mail of "Susan" with National Credit Works (NCW).  This group is calling from all of the following numbers:

716-684-8183
866-618-5731
866-377-2028

I called back the 800-618-5731 number this morning..they addressed me by my name even though I didn't tell it to thm.  I also stated that the name they were calling me isn't a name that I have used for over 13 years.  The woman on the phone then told me I had to call "Ms. Stump" at the 866-377-2028 number.  This is absolutely ridiculous.  

They are also harassing my brother in Florida.  How they got his name is beyond me since I haven't had the same last name as him for over 23 years.  

I find it funny that looking on these posts, I actually found one that I posted over a year ago about this same company.

Hope this helps.

*** THIS IS THEIR MANAGER ** CALL HIM AND HARASS HIM!!!!

John Licata at National Credit Works Inc.

Phone: (716) 684-8184, (866) 618-5731 x110, 866-999-6838 x403

Email: jlicata@nationalcreditworks.com

HERE IS THE INFO EVERYONE HAS BEEN DYING TO GET THERE HANDS ON FOR THIS COMPANY!!!!!

** DOUG MACKINNON IS THE OWNER OF THIS COLLECTION AGENCY AND HAS BEEN IN TROUBLE WITH THE LAW BEFORE**** STOLE OVER 20 MILLION FROM INVESTORS!!!!!!

*** HAVE FUN COMPLAINING AND SHUTTING THESE PEOPLE DOWN** HERE IS THE INFO****

Selected Entity Name: NATIONAL CREDIT WORKS II LLC

Selected Entity Status Information Current Entity Name:     NATIONAL CREDIT WORKS II LLC

Initial DOS Filing Date:     MAY 18, 2010

County:     ERIE

Jurisdiction:     NEW YORK

Entity Type:     DOMESTIC LIMITED LIABILITY COMPANY

Current Entity Status:     ACTIVE

Selected Entity Address Information DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)

NATIONAL CREDIT WORKS II LLC
3719 UNION ROAD
SUITE 221
CHEEKTOWAGA, NEW YORK, 14225

Registered Agent
NONE

I made 100s off calls to them. They are starding to get very irritated with me. Eventually they will give up calling me.

National Credit Works Inc.
We must fill 3 positions for small dialer department. Our small yet professional office (no cubicles) ensures one on one immediate attention. Launch outbound and field inbound collection calls on both our dialer system and manually . Speak to individuals who owe on delinquent Payday loan and credit card accounts with the ultimate goal of negotiating and securing immediate payment via phone. Applicants MUST be responsible, energetic and highly motivated to secure payment via check by phone on each and every debtor contact phone call. Must possess excellent communication and negotiation skills. Skip tracing (locating individuals via speaking with relatives, friends or possible associates) required when applicable. Group collection goal/bonus structure will ensure teamwork and group motivation. Computer experience essential. Prior collections experience extremely helpful but not necessary. 3 full time openings will work: Mon & Tues (12:30pm-9:00pm) and Wed, Thur & Fri (8:00am-4:30pm). Starting pay $9.00/hr. but negotiable depending on experience. Benefits offered. On bus route. Reference and criminal background checks.

To apply, contact:
John Licata at National Credit Works Inc.
Phone: (716) 684-8184, (866) 618-5731 x110, 866-999-6838 x403
Email: jlicata@nationalcreditworks.com

Call from this number pertaining to a relative saying that they were a company called NPW Incorporated and was calling regarding a claim that needed immediate attention that day and gave a case number.

called a family member re message for me to call them to prevent action.

They go by another name, National Credit works.  Scam. . . they told me over and over that they were going to start legal proceedings. . still waiting.  Lawyer is waiting too!!

They've been calling me here constantly.  Asking for a name that I haven't been for 12 years.  To threaten to have legal action, they have to be ready to follow through.  That is illegal according to the Fair Debt Collection Laws.  Also, any debt that is that old is dead.  If you get something like this that is that old, don't make any payment because it will reactivate the debt.

NO NAME GIVEN JUST EXT. 117 STATED THE LAST 4 OF A SS# ON A VOICE MAIL @ MY PLACE OF WORK. CALLED 3 TIMES BACK TO BACK. SAME AS ABOVE...

SAYS HE IS ROBERT AND CONSTANTLY CALLING WITH MY NAME AS REFERENCE. LVS EXT, 107 AND SAYS PROCEEDINGS AGAINST OUR CO WILL BE STARTED.