see messages left under 800 notes.  Do not even answer the phone, return all mail unopened, and forget about them.  Don't let them ruin your day, but don't let them trap you.  In Alberta, they cannot sue you on a debt over 2 years old UNLESS you acknowledge the debt &/or make even one cent of a payment --- no payments, no comments, do not answer the phone, have nothing to do with them.

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.

Who called?

debt collector for Citi/Bank Financial, NCO Financial

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.

Had the same call.  Right surname wrong name, but initials were correct.  When I asked what was all this about, a girl said it's a small business matter, apologized, and hung up.The number displayed was (780) 441-4000