>> How do these scammers get our numbers anyway when I am on a DO NOT CALL list? <<
If you ever posted your phone number on a social site, or used it when ordering online, or typed it in an insecure computer, or gave it to a friend whose computer was attacked, or filled out an entry form at a fair or a supermarket, or used it on a contest entry form, or put it on a postcard for a magazine or purchase, or were among those whose information was hacked from some organization, or obtained a "new" phone number ... your number is probably known to the scammers.
Allow me to present another possibility in a very simple fashion ... not to insult your intelligence, but to attempt to get the idea across to even those who have difficulty understanding more complicated answers. Click on the "Info" line, below, to learn about that possibility.
Info Robodialers for Dummies Can you count?
If you answered "yes", that is a good start. Try counting from 1 to 10 now. I will wait.
..........
Finished? Good.
I want you to think "0" instead of "10". Got it?
Now, get a piece of paper and a pen or pencil, and write down those ten numbers. Here, I will help you, in case your forgot:
0 1 2 3 4 5 6 7 8 9
Now get ready to write down some more numbers. I want you to write them down in the following format:
ABC-DEF-GHIJ
Yes, I know those are letters, but I want you to use numbers, instead.
Think of a number between 0 and 9 ... pick one from the list I gave above, if you wish.
Write it down, instead of the "A", above
Do that nine more times, writing it down instead of the other letters.
Now, look at the result.
Does it ring a bell?
It should, because you just wrote down a phone number!
Mr Computer is very good at making numbers.
Mr Computer can do what you just did in a fraction of a second.
In other words, Mr Computer can make and dial phone numbers VERY quickly.
Spammers and scammers who know about Mr Computer do not need to register and buy the DNC list.
Spammers and scammers who know about Mr Computer can even dial "unlisted" numbers, or "private numbers" or "brand-new numbers you just got"!
The DNC list is not a magic switch that blocks these calls from reaching your phone. It is merely a list. It is NOT a call blocker!
There, now you know all about how spammers can dial YOUR phone number, even if it is unlisted, and even if only relatives know it, and even if it is on or off the DNC list.
I hope that helps prove the DNC list DOES work! It helps prevent calls from registered / legitimate telemarketers, but it is not able to stop calls from telespammers. It is also NOT designed to stop political callers (who usually get the numbers from voter registration lists), calls from charities, or some other companies, such as debt collectors; or some companies with which you have done business in the last 18 months.
Here are two pages of links to (mostly government) sites in Canada and the USA were you can report phone scams, or learn more about them.
* First, look elsewhere on this site for an Article, entitled "Where to Report Phone Crime". (It may appear in the column to your right).
* For a more frequently updated list of complaint sites, with links to government web pages, look here:
http://phonehelp.2truth.com/complaint_sites.html
For the latest news on US government and industry efforts to stop illegal or unwanted robocalls, see:
http://phonehelp.2truth.com/initiatives.html
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Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.
My husband got a call from this number and they stated that a financial company named NCN FINANCIAL has filed a case against him and saying that he took a loan out between 2012-2015 and that it was deposited into a bank account that we don't have. They did know his SS#, and his date of birth. But they had wrong address, wrong email, and the address they gave me for his work was totally wrong. We called our old, bank and they have no record of anything being done, and we, also called the ncn financial and they don't do loans they only help with credit repair. But these ppl stated that they were gone serve him papers for a wage garnishment and put a lien on our other property. So as far as I can tell this is a big time SCAM. I hate that there r ppl out there trying to ruin good hard working ppl like us.
Criminals are masquerading as debt collectors in an attempt to extort money from people by scaring them into believing that:
a. You are going to be sued and it will cost you lots of money when they allegedly “win” their case.
b. That they are about to file criminal charges or that you will be criminally charged (they use the bad check or hot check claim a lot) and go to jail.
c. That they will take away your driver’s license.
d. That will garnish your wages without actually being suing you, going to court, or even winning a case and obtaining a judgement followed by a judge’s consent to the garnishment. They also claim that your wages will be garnished in amounts far above all legal limits.
One of the tricks they use is to call your family, friends, neighbors and/or places of employment (past or present or both) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money.
They will use the words “Mediator”, “Arbitrator”, “Law Office” or claim that they are a “Lawyer or Paralegal” to make you believe that they are something other than a debt collector want-a-be and that they don’t have to follow Federal and State collection laws, even though they do have to follow those laws, but they won’t. They also tell you that if you fail to call them back you are "waiving your right to council", which is pretty much nothing but hogwash.
They claim they are officers of the court, or that an officer will accompany them, or even that they are sending officers to arrest you. All hogwash. They tell you to lock up your dogs and guns for “everyone’s” protection. More hogwash.
They use the phrase “govern yourself accordingly” a lot, something they should do themselves.
They mention that they have received a Fax document, to create the sense of urgency and tell you that they are a “process server”. This is simply ruse to get you to call another number where they will ask for money to “make it go away” (this is actually the same place, they work in teams, one pretending to be the server, and the other usually pretends to be a lawyer). Process servers do not ever call ahead so that you can dodge them. Process servers get paid to serve papers, nothing else.
It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://800notes.com/faq/attorney-general
They claim to have legal paperwork to serve me from a company called "My Cash Now". I have never heard of that company much less do business with them. These people are scammers who are trying to get unsuspecting consumers to divulge private information that they can then use to create a phony legal suit. Block and report them to the consumer Protection Bureau.
I got a call from this number claiming to be from "mediation services," and they said that papers were being filed under my name and SSN and that I needed to call them back right away. It's obviously a scam.