Who are hell are NCO Financial Services?


Recommended Posts

I received a damn letter from these people demading 'overdue debt' of $225.85? What for? I didn't spend anything over eBay since the creditor is listed as paypal inc. I have no idea what this is for but I am contacting them first thing in the morning tomorrow!

:angry:

Note: I try to log into my old paypal account but I get an error message that its locked. Do they suspect I am doing fraudulent activity? This is bull****

sounds like something you've purchased has been turned over to a collections agency

586531471[/snapback]

Thats is corect. But also in the letter it should have stated who they were collecting for, not just the amount. It does not have to state for what the charges are for that would be through who they are collecting for.

Trilaeris: hmm, well to provide you better insight this is what I did:

I had an old paypal account that when I sold a basketball over eBay for 300USD it got transfered over to this account. I then transferred the money from this old account to the new paypal account I had created, and from this new account to my banking account. Now the charge in the letter is not equally the same - it is about $225USD so that is why I am a bit confuddled. Sounds like fraudulent activity to me

That means your buyer did a credit card charge back and the card company took the money from paypal and now they want it from you. Now either you didn't sell a product as described and the buyer was not satisfied or the buyer is a crook him/herself. If the buyer is the crook here tell NCO (a collection agency) to F off and tell them you won't pay a dime unless you get your product back and tell them to go ahead and do whatever ever they want. That much money won't hurt your credit history one bit. It won't affect if you can buy a car/house in the future. Just don't make a habbit of it.

No offense but "I had an old paypal account that when I sold a basketball over eBay for 300USD it got transfered over to this account. I then transferred the money from this old account to the new paypal account I had created, and from this new account to my banking account." would sound a little fraudulent to anybody because why would you create another paypal account? There's no need for it. I mean for hotmail OK, if you get flooded with spam but dealing with money, transferring from here to here to there, makes one raise an eyebrow.

NeoSigma: I did that because my old account was [email protected] and I wanted to start using my new [email protected] email for everything (both accounts had exactly the same information anyway, including banking, home address, name, etc)

Here is the item information from Canada Post:

2005/04/22 12:43 Item successfully delivered to Receiver's address

2005/04/06 10:43 Item out for delivery

2005/03/23 18:13 International item has left the origin country

2005/03/23 05:07 International shipment dispatched from Canada

2005/03/21 08:09 MISSISSAUGA, ON Item accepted at the Post office

Now even if the buyer is not satified I cleared put in the eBay Ad: NO REFUNDS - doesn't this prevent him from getting a refund from paypal? Can I get a charged by the police if I do not pay up? Because I refuse not to.

here is the former ebay ad...hmm weird - the buyer is no longer a registered user, sounds fishy doesn't it?

http://cgi.ebay.ca/ws/eBayISAPI.dll?ViewItem&item=5174346992

Give ebay/paypal the tracking number to show that it has been delivered and find out why they want money from you. In any case my friend from highschool is a Peel Regional Police officer in Mississauga. If worse comes to worse I'll get him to pay your buyer a visit if you have his address. :laugh: Give him a bit of a scare. :p

Now even if the buyer is not satified I cleared put in the eBay Ad: NO REFUNDS - doesn't this prevent him from getting a refund from paypal? Can I get a charged by the police if I do not pay up? Because I refuse not to.

586531986[/snapback]

Not sure if it has anything to do with the listing being closed now, but i read the listing several times and couldn't find anywheres where is says no refunds?

Yes/No???? :unsure:

Tomcat68

That much money won't hurt your credit history one bit. It won't affect if you can buy a car/house in the future.

you living under a rock?

EVERYTHING large or small affects your credit report.

Agencies don't care if it's $200.00 or 2.00, if it shows up on a credit report then it knocks your credit scores down. AND they stay on your account for a very long time.

My advice, get it taken care of immediatley and have the collection agency remove it. from your credit report. IF you're lucky they will have it removed otherwise your credit score is going to suffer.

A credit score needs to stay in the 700 range to get good rates on anything you buy. Anything below a 700 then prepare to pay higher interest rates on cars, houses..whatever.

Not sure if it has anything to do with the listing being closed now, but i read the listing several times and couldn't find anywheres where is says no refunds?

Yes/No???? :unsure:

Tomcat68

586532066[/snapback]

look at the bottom near the questions:

Q: Since you say the card is Guaranteed Authentic, if I win, and the card is not Authentic, will you refund my money in full? Thanks

15-Mar-05

A: No refunds. I beleive it is authentic. I used the following site to determine whether it is or not; check it out: http://sportscardinvestormagazine.co...more

I also say "bid at you're own risk"

pickleman: man you got me worried I will try to deal with it tomorrow and post what happens

Spoke to someone at Paypal - they informed me that a claim was filed that the item was not received - however I provided them with the tracking # from Canada Post. They said they filed a complaint but they do not know if I have a strong case towards this since PayPal already refunded the buyer's money and I did not respond within the time frame (they had sent emails to my old email account thats why I never knew of such a notification)

I gotta give it till Monday to see what happens

you living under a rock?

EVERYTHING large or small affects your credit report.

Agencies don't care if it's $200.00 or 2.00, if it shows up on a credit report then it knocks your credit scores down. AND they stay on your account for a very long time.

My advice, get it taken care of immediatley and have the collection agency remove it. from your credit report. IF you're lucky they will have it removed otherwise your credit score is going to suffer.

A credit score needs to stay in the 700 range to get good rates on anything you buy. Anything below a 700 then prepare to pay higher interest rates on cars, houses..whatever.

586532104[/snapback]

Maybe I have, but at least I know how the world works. Paypal wanted around $250 from me as well from a buyer that did a charge back. I told both NCO and paypal to F off, really I did. Now they don't harass me with automated phone calls. And just recently Visa sent me a letter thanking me for being such a great customer when I've maybe paid interest on my purchases once or twice and they increased my credit limit by 1500 without me even asking; this is all after I told NCO to do their worst. I'm only 22 so like I said that much won't do anything because you have a lot of years to make it to make it up in good credit. Plus I asked for a copy of my credit report and there was nothing wrong with it at all. So maybe you need to join me under the rock.

you living under a rock?

EVERYTHING large or small affects your credit report.

Agencies don't care if it's $200.00 or 2.00, if it shows up on a credit report then it knocks your credit scores down. AND they stay on your account for a very long time.

My advice, get it taken care of immediatley and have the collection agency remove it. from your credit report. IF you're lucky they will have it removed otherwise your credit score is going to suffer.

A credit score needs to stay in the 700 range to get good rates on anything you buy. Anything below a 700 then prepare to pay higher interest rates on cars, houses..whatever.

586532104[/snapback]

It's only gonna hurt your credit IF its reported. Not all agencies report "payment history" to the credit bureaus. I had a court judgement for damages against me for $ 852.00, I never paid it and it never showed up on my credit, and here we are 5 years later and still nothing and I check my credit every 6 months. But it is a gamble you take though.

Paypal is going to investigate and I hope they do not instill the debt payment because its outrageous - I have proof he receiveed the item and he is claiming he hasn't

This topic is now closed to further replies.
  • Recently Browsing   0 members

    • No registered users viewing this page.
  • Posts

    • Here's how to grab your share of Apple's $4 billion lawsuit payout (if you qualify) by David Uzondu Image via DepositPhotos.com A UK tribunal has approved a collective legal action letting a $4 billion (£3 billion) claim against Apple proceed to trial after consumer rights group Which? formally accused the company of violating competition laws. The tribunal recently set a full trial date for October 2028. Which? filed the lawsuit way back in November 2024, accusing Apple of trapping users in iCloud by restricting rivals from fully accessing iOS. Apple gives users only 5GB of free space, and once that limit vanishes, the system drives upgrades by repeatedly nudging users through notifications. The group claims Apple overcharged millions who bought plans ranging from 99p a month for 50GB to £54.99 a month for 12TB. If Which? wins the now-greenlit lawsuit, the court will force Apple to pay out damages to roughly 40 million UK consumers, with each person receiving around £77 for the pricing abuse. Apple has already put out a statement telling Reuters that the allegations are completely false and that consumers do have choices. "We work hard to make iCloud a great experience, but no customer is required to use it, and customers in the UK have plenty of alternatives to choose from," it told the outlet. The good thing is that if Which? wins, claiming your share requires almost no effort due to the automatic structure of the litigation. You are eligible if you used Apple's iCloud services between November 8, 2018, and June 8, 2026, and paid for upgraded storage during that time. The tribunal automatically enrolls everyone living in the UK on June 8, 2026. The system operates on an "opt-out" basis, meaning you do not have to register right now, and you will just verify your details to collect your cash. However, if you want to leave the claim, you must notify Which? by October 8, 2026. But if you lived outside the UK on June 8, 2026, you must manually register on the official Which? website before October 8, 2026, to opt into the action. If you ignore this deadline, you will lose your chance to grab a share of the settlement. On a related note, Google recently had to resolve a massive data privacy fight by agreeing to a payout of over $170 million to Android users. In that lawsuit, plaintiffs argued that Google programmed the Android system to transmit user data without permission, wasting cellular data. To settle, Google agreed to pay a $135 million nationwide settlement alongside an extra $35 million in California. Eligible Android users must submit online claims to secure their cash, with the final approval hearing literally taking place today (June 23, 2026).
    • Microsoft outs Windows 11 KB5095093 with long list of new features by Sayan Sen Microsoft today has released its newest preview update (C-release) for the month of June 2026 under KB5095093, builds 26200.8737 (for Windows 11 25H2) and 26100.8737 (on Windows 11 24H2). The update brings new features across various elements of the OS including the Windows update, the Recovery, Widgets, File Explorer, and more. The full changelog is given below: First up we have the features rolling out gradually: [Point-in-time restore for Windows] New! This flexible recovery feature helps you quickly roll back your PC, including apps, settings, and personal files, to a recent automatic restore point. It helps reduce downtime and simplifies troubleshooting when issues occur. To learn more, see Point-in-time restore for Windows. [Windows Update] New! A calendar experience in Windows Update Settings (Settings > Windows Update) lets you pause updates by choosing an end date, for up to 35 days. You can extend the pause by selecting a different end date and re‑pause updates as needed. For more information, see Pause updates in Windows. [Widgets] New! A quieter, more focused Widgets experience helps reduce interruptions and improves default settings and notification controls: Reduce distractions: Widgets no longer open on hover. Notifications and taskbar badges are minimized by default. Simpler: Open to the Widgets dashboard by default on first use. Customize: Configure Widgets how you want by selecting Settings in the navigation bar, then changing any of the default settings. Stay informed: Dashboard icons show the number of alerts, and badges clear automatically when you leave a dashboard. Adjusted defaults: Some default settings are preserved based on usage, while others adjust to reduce interruptions. Performance improvements: This update provides improved reliability, responsiveness, and visual quality across the Widget experience. [Accessibility] New! This update makes your screen easier to see and customizes your zoom experience: Screen tint: Apply a full-screen color overlay to help reduce eye strain and improve readability. Choose from preset tint options, adjust the intensity, or turn it on automatically. Find this feature in Settings > Accessibility. Magnifier: Enter a zoom percentage directly and change it in increments in the Magnifier window for more precise, flexible control. Magnifier settings menu: You can now also modify zoom increments directly from the magnifier bar instead of navigating to Windows Settings each time. [File Explorer] New! When you hover over a file in File Explorer Home, commands such as Open file location and Ask Copilot appear as quick actions. This experience is now supported for work and school accounts (Entra ID).1 Improves the speed and performance of File Explorer launch.2 Fixes an issue where the OneDrive shortcut in File Explorer stops working when File Explorer is run with administrative mode. The address bar now supports paths containing double backslashes and quotation marks (for example, C:\\Users\\user or "C:\Users\user"), improving compatibility with a wider range of inputs. The address bar suggestion dropdown is more reliable and now consistently closes after an item is selected. This update addresses an issue on File Explorer Home where OneDrive files could appear duplicated in the Favorites section. This update includes several refinements to the Rename experience: Addresses an issue where text was repeatedly selected when renaming items in folder views. Addresses an issue where case-only name changes were not immediately reflected in folder views for items stored locally or in the cloud. [Bluetooth] This update improves reliability and performance when connecting to and using Bluetooth devices: New! Windows now keeps the microphone mute state in sync between the audio mixer and the Hands-Free Profile (HFP) for a more consistent experience with Bluetooth headphones with mute buttons or indicators. Accessory compatibility workarounds: Improves compatibility with specific Bluetooth audio devices, helping AirPods appear faster in pairing mode and improving microphone reliability on Beats Studio Pro headphones. Bluetooth audio stability: Improves overall Windows stability with certain PC manufacturer drivers (error code 0x9F). Improves Bluetooth reliability for voice calls when using Classic Audio devices with the Hands-Free Profile (HFP). Reduces time for LE Audio accessories to start playing audio while using the microphone. Device management: Windows will no longer show a “Remove failed” message when attempting to remove Bluetooth devices if the Bluetooth radio is unavailable or has changed since pairing. Settings experience: Improves stability when using the Bluetooth & devices settings page for a smoother, more consistent experience. Connection reliability and responsiveness: Reduces the time it takes for classic Bluetooth audio devices to reconnect after Windows resumes from hibernation. Improves reliability when LE Audio accessories disconnect, such as when another device (for example, a phone) connects. Improves reliability of LE Audio streaming after a connection is lost and restored. [Bluetooth and Phone Link] This update improves audio routing for calls made through a connected phone: When an outgoing call is dialed from a paired phone, audio remains on the phone while ringing and transfers to the PC only when the call is answered from the PC. When Do Not Disturb is enabled on Windows, incoming call audio from a paired phone no longer rings on the PC. [Voice access and voice typing] New! You can now use voice access and voice typing in French, German, and Spanish. As you speak, your PC improves your text in real time. It corrects grammar, punctuation, and recognition errors, and helps improve clarity—even in the presence of background noise. This makes dictation smoother and reduces the need for manual edits.3 [Audio] This update improves the reliability of the inbox HD Audio driver. [Taskbar] This update improves the reliability of opening the Start menu when selecting the left edge of the taskbar when the icons in the taskbar are left-aligned. [Networking] This update includes networking improvements for virtualized environments. Confidential Virtual Machines (CVMs) now use SR-IOV hardware acceleration by default for improved network throughput, and a configuration issue in nested Hyper-V virtualization network setup has been corrected to ensure reliable VM network provisioning. This update improves the reliability of the Windows networking stack. It reduces bug checks (blue screen errors) related to Wi-Fi power and improves cellular (WWAN) connectivity, including support for IPv6 VPNs. Compatibility with third-party VPN software and SR-IOV configurations on server hardware is also improved. Network adapter settings and bindings are now preserved across OS upgrades. [Printing] New! New printer installations use Internet Printing Protocol (IPP) by default when supported, simplifying setup and improving reliability. For details about third-party driver deprecation, see End of Servicing Plan for Third-Party Printer Drivers on Windows. To control this behavior, use the toggle in Settings > Bluetooth & devices > Printers & scanners > Default install printers using Windows Ready Print. For more information, see Introducing Windows Ready Print and modernized driver selection. For more information, see Introducing Windows Ready Print and Modernized Driver Selection. [Windows Subsystem for Linux (WSL)] The update improves usage of WSL in mirrored networking mode with VPNs. [Display and graphics] Improves the reliability of rendering content while scrolling for certain apps spanning across multiple monitors. Improves the reliability and persistence of applying color profiles. [Location services] This update changes how some location settings are displayed in Settings > Privacy & Security > Location to help with clarity. When location services are turned off, settings like Default location and Allow location override don't immediately apply, since location information is not given to apps or services. These settings will now be greyed out when location services are off to reduce confusion over when they take effect. [Search] This update improves the reliability of setting Search related group policies. [Input] New! You can now customize the size of the right-click zone in Settings > Bluetooth & devices > Touchpad. Choose from default, small, medium, or large to control how much of the bottom-right corner responds to a single-finger right-click. This setting is only available on touchpads with a pressable surface. If your device manufacturer provides customization through their own app, a Custom option will appear to reflect those settings. This update improves recognition of English characters when using Japanese handwriting. [General performance] Improves the time to shut down Background Intelligent Transfer Service (BITS) when you turn off your PC. [General Reliability] ​​​​This update improves the reliability of explorer.exe. It addresses issues on the login and lock screens related to third-party credential providers, reduces the probability of taskbar icons appearing as blank gray placeholders, and improves navigation to Home in File Explorer during OneDrive sync. It also improves explorer.exe reliability when switching between desktops, enhances app launch with shell extensions, and using acrylic blur effects in the Start menu, Settings, and the lock screen. [Apps] Resolves an issue where some installers and applications could show unexpected elevation (UAC) prompts after installing KB5089549. [Remote Desktop] This update refreshes the dialog design when you enable Remote Desktop in Settings > System > Remote Desktop. [Graphics Kernel] Improves memory-management policy that allows PCs with more than 32GB of installed memory to run larger local AI models. Up next we have the features under normal rollout: [Secure Boot] With this update, Windows quality updates include additional high confidence device targeting data, increasing coverage of devices eligible to automatically receive new Secure Boot certificates. Devices receive the new certificates only after demonstrating sufficient successful update signals, maintaining a controlled and phased rollout. [Authentication] This update improves Netlogon secure channel connections between domain controllers, enabling successful connections from member servers to domain controllers set up before 2025. [Emoji Panel Update] The emoji panel (Windows key + period (.)) now uses GIPHY for GIF content following the deprecation of Google’s Tenor API. Starting June 30, 2026, install the latest Windows update to continue using GIFs in the Emoji panel. If you don’t update, you will see a "GIF service is not available" error in the panel. Installing the latest Windows update will restore access to GIFs. [Networking] This update improves how your device connects to shared network resources. Connections used by apps and system features, such as the NetUseAdd function, now work more reliably, including unauthenticated (null session) connections. [Recycle Bin (known issue)] Fixed: This update addresses an issue where the confirmation dialog might display an internal Recycle Bin file name instead of the original file name when permanently deleting a file. This issue might occur after installing the June 2026 security update (KB5094126). [Taskbar] This update improves notification badge display across your apps. Notification counts and badge visuals now update correctly, helping you stay up to date with new activity. You can choose to manually download the update from Microsoft's update catalog website at this link.
    • Hands-on with BOOX Tappy: cute little reading accessory by Taras Buria Page turners are quite popular accessories for e-readers, as they enable a hands-free reading experience, which is particularly useful with large readers featuring 10-inch or larger displays. The BOOX Tappy is a new accessory that was introduced earlier this year, and we took this cute-looking thingy for a spin. The Tappy comes in a small box, with two additional buttons and a user manual. The device is made of glossy green plastic and resembles old appliances from the nuclear age. Material quality is great, and each part feels quite premium. Plastic is high-quality, the switch is nice to flick, and the buttons are not rattly. At the bottom, four rubberized feet prevent slipping when used on a desk. Unfortunately, there are no color options, and the Tappy is only available in green. It looks good, but I wish there were other options as well. There are two removable buttons, an on/off switch, and an LED indicator that displays connection mode, charging status, and more. The buttons resemble those of an old typewriter, with quite a long travel distance and a pleasant clack. In the box, you have four buttons with different icons: heart, coffee, O, and X. You can easily swap buttons by simply pulling them upwards. Tip: buttons come with plastic covers, but they are quite tricky to remove. It is hard to call the Tappy the most ergonomic remote control, but after fiddling with it for a few hours, I managed to find a comfortable hand position. Attaching a lanyard to it can make it more comfortable in use without the fear of dropping it, but unfortunately, the Tappy does not come with one. The Tappy connects via Bluetooth 5.2, and it works in three modes, which you can toggle by pressing and holding both buttons for about five seconds: Reading Mode Multimedia Mode Browsing Mode Next / Previous page Next / Previous Track Up / Down scroll If you pair the Tappy with a BOOX device (I tested it with the BOOX Go 10.5 Gen 2 Lumi), you will get small pop-ups indicating the current mode. Plus, you can customize what each button does when pressed one time, two times, or held for a few seconds. The list of available actions and features you can use is massive, and I like that BOOX lets you map stuff like brightness adjustment, app launching, screenshot-taking, screen rotating, navigation, and more. Note, however, that while you can use the Tappy with other readers, its customization is only available on BOOX devices running firmware version 4.2 and newer. I could not connect the Tappy to my computer (Windows 11 claims a driver error when I try), but it worked with the DuRoBo Krono that I recently reviewed. My Kindle Paperwhite refused to work with the Tappy, though, just like my iPhone. The Tappy uses a non-removable Li-Ion battery, which can be recharged with a Type-C cable. BOOX rates the remote for "weeks of use," and I can say that it indeed has very good battery life. While there are no battery indicators on the remote, you can see the current level in the status bar or in Input settings in the BOOX firmware. After a few days of active use, mine still shows about 95%. Overall, the Tappy left a nice impression. It is well-made, and the integration with BOOX devices is great. I also like that BOOX decided to have some fun with its design and swappable buttons. I cannot say I am a fan of its odd shape, though. Still, I managed to find a way to use it comfortably. And when not in use, it just looks neat sitting on the table doing nothing or serving you as a small clacky fidget. Buy BOOX Tappy - $29.99 on Amazon US As an Amazon Associate, we earn from qualifying purchases.
    • AdGuard Family lifetime deal now only $14.97 by Steven Parker Today's highlighted Neowin Deal comes via our Apps + Software section, where you can get a lifetime subscription and save 91% on a lifetime AdGuard Family Plan. AdGuard is a unique program that has all the necessary features for what they claim to be "the best web experience." The software combines the an advanced ad blocker, a privacy protection module, and a parental control tool—all working in one app. This software deals with annoying ads, hides your data from a multitude of trackers, protects you from malware attacks, and even lets you restrict your kids from accessing inappropriate content. Install AdGuard and see the internet as it was supposed to be: clean and safe. Get rid of annoying banners, pop-ups & video ads once and for all Hide your data from the multitude of trackers & activity analyzers that swarm the web Avoid fraudulent and phishing website and malware attacks Protect your kids online by restricting them from accessing inappropriate & adult content Good to know Family Plan Length of access: lifetime This plan is only available to new users Redemption deadline: redeem your code within 30 days of purchase Max number of devices: 9 Access options: desktop & mobile Software version: AdGuard Family Updates included A lifetime subscription of AdGuard Family Plan normally costs $169.99, but this deal can be yours for just $14.97, that's a saving of $157.02. For full terms, specifications, and license info please click the link below. Get this AdGuard Family lifetime deal for just $14.97 (was $169.99) Although priced in U.S. dollars, this deal is available for digital purchase worldwide. As an online publication, Neowin too relies on ads for operating costs and, if you use an ad blocker, we'd appreciate being whitelisted. In addition, we have an ad-free subscription for $28 a year, which is another way to show support! Support queries If you have queries or need support for any of the Neowin Deals, please use the contact form here. Neowin Deals are managed and sold by StackCommerce who represent Neowin on an affiliate basis. Why we post these deals We post these because we earn commission on each sale so as not to rely solely on advertising, which many of our readers block. It all helps toward paying staff reporters, servers and hosting costs. So for those that keep moaning and complaining, be thankful we're still online for you to even do that. Other ways to support Neowin Whitelist Neowin by not blocking our ads Create a free member account to see fewer ads Make a donation to support our day to day running costs Subscribe to Neowin - for $14 a year, or $28 a year for an ad-free experience Disclosure: Neowin benefits from revenue of each sale made through our branded deals site powered by StackCommerce.
    • Sadly "beats Steam Machine" isn't much of a brag.
  • Recent Achievements

    • One Month Later
      timbobit earned a badge
      One Month Later
    • One Month Later
      nates earned a badge
      One Month Later
    • Week One Done
      Almohandis earned a badge
      Week One Done
    • Rookie
      dorf went up a rank
      Rookie
    • First Post
      mike_rumble earned a badge
      First Post
  • Popular Contributors

    1. 1
      +primortal
      469
    2. 2
      +Edouard
      165
    3. 3
      PsYcHoKiLLa
      106
    4. 4
      Michael Scrip
      87
    5. 5
      Steven P.
      69
  • Tell a friend

    Love Neowin? Tell a friend!