This phone number belongs to Pamela Hayes of NCO Financial in Edmonton.  NCO Financial is a collection agency.  They are not exactly the most reputable firm on the planet.  A Google search of NCO Financial will bring up more of their unethical and/or illegal garbage than I can possibly post here.

Pamela and NCO Financial also use the toll-free number 1 +1 877-237-2215.  Note that any time you dial a toll-free number, the company you called sees your phone number.  Even if you block your Caller ID.

The best way to contact NCO Financial is to call the main number (780) 441-4000) collect from a pay phone.  That way your real number does not appear on their phone bill and NCO Financial has the added hassle of paying for collect call.

This is NCO Financial in Edmonton - note they do not even call themselves a collection agency!  Good advice above - do not speak to them, return their calls, etc.  Especially do NOT make payment arrangements - there is a statue of limitations in most provinces of two years, even although they may  TRY to collect after that period, or even try to get you to simply ADMIT to the debt. Never do any of the above, especially making a payment, for if you do,  that two year period starts all over again.  NEVER, ever send a debt collector of any sort a cheque, or provide banking information over the phone..If you are settling a debt, send a money order from the post office so they do not know where you bank!!!  Otherwise you may see your bank account drained!!! Incidentally, a review of NCO Financial's Better Business Bureau Report as of today's date (Feb 8/11)is RATED A BIG FAT......."F"....... the provincial government should not be allowed to license a collection agency with such a terrible tract record.  With a disgusting record like that they should not be allowed to call anyone to collect money  - talk about outrageous - this is the pot calling the kettle black LOL - really, check it out at "Southern Alberta Better Business Bureau, click on check out business, type in NCO Financial, Edmonton, Alberta, and you can read this for yourself.

This number belongs to NCO Financial. They are a collection agency and not the most honest company on the block.When they call I tell them I have no outstanding business with NCO and that if they feel I owe money to please contact me in writing.  If they ask me for an address I tell them that if their concern is legitimate they already have my address.  :)It is more difficult for collectors to lie when they contact you in writing. This is exactly why I insist and why they don't like to.

simple solution, don't spend money you don't have!

purchase a recording device so that it will tape your telephone conversation.

have them give you as much information as possible. keep them on the phone to record as much of the conversation as you can.

who the principal is, when was the loan date, what was the limit, when was the default, how much was the default for, how much is it now, what was the interest rate, what is the interest rate now, etc. etc. etc.

then have them hold. rewind the recording and tell them to listen.

once their know they're recorded they will probably hang up and you may not hear from another collection agency until they sell the debt to someone else.

check your credit report to find out the contact information for any outstanding debts.

contact the creditors and either cut a deal with them or bring them into a contractual arrangement.

write a letter to the credit reporting agency(s) and let them know you have dealt with the situation.

the creditor has 30 days to appeal or the credit agency removes their reporting record of your debt.

good luck

These "people" are idiot`s & only want to hear one answer .... "Please take what little i have left" !!! ..They will not listen to reason ..Fax them & Tell them to stop calling you...They have to legally oblige...Do it !! NCO`s FAX # IN ALBERTA IS .. 1-+1 877-279-2178