Loreta G.A.

Review of National Creditors Connection ...

My review is as a former independent contractor. ...

My review is as a former independent contractor. How they work is they hire people to deliver a letter to their client's customer in a sealed envelope marked Personal & Confidential. Could be a bank trying to get debtor to pay a past due bill (car/home/credit card/ overdraft fee, etc.. or other services like verification of occupancy, business existence, etc.) What the bank/customer pays NCCI trickles down to the person on the road delivering letters or obtaining the verification. Nothing difficult, answer some questions about the location, take some photos, try to get some answers to report back to the bank/customer and you get paid. I worked with them for a few years, back around 2010-2011 then again in 2015 to mid 2017. The first years were great, the pay was decent, part-time, easy to work with. The 2nd time I worked, they had restructured, the pay was less than 1/2, but I needed to work and it was 1099. You could run these anytime allowed by law, it worked well with my other work, almost no additional driving because I did 2 jobs, 1 trip. NCCI changed when the field calls could be ran, their clients were complaining that contact was not made or even if contact was made, the debtor wasn't calling or paying their delinquent acct. Now the bank/customer wanted the field calls to be done after 4:30, 5pm when people were home. Each client was different, between 4:30pm and 6:59PM, couldn't enter 7pm because it wasn't allowed. Other clients wanted as late as possible, 9pm was latest allowed by law. Even on weekends, some assignments needed be done by 11 am because client was back East. Needless to say trying to run the field calls by client was a waste of time and gas. Let me add that if their client wasn't satisfied, regardless if you actually made contact, they would require a "rechase", deliver the letter again for ZERO additional pay to contractor (me). So it was costing me now to go deliver a letter to a someone that clearly didn't want to or could not pay their obligations. Some I had need 3 or more deliveries, I did those when in the area again. I feel.... I believe the managers cherry picked their own field calls that had higher pay. Once I arrived to an assignment with an appt time, that was about 14 miles away to have the person tell me over the gate intercom, it's been done already. I ran into my manager coming out, saying, oh I'm sorry I forgot to tell you. I was told if I didn't want to run the field calls, I could contract someone to do it, pay them from my pay. Very unorganized, you'd have a certain amount of time to do these, I rec'd something Monday, needed to be done by Wednesday, noon. So I left at 4pm and got more assignments, I had 1 evening to run. Many times I'd get assignments due that same day, they'd arrive on my manifest as past due because the client had ordered 3 days ago and the managers had not assigned them. I had no weekends off that I could plan things, some of the higher paying assignment required an attempt on Saturday. The average pay was about $20/hr, but factoring in time, gas, wear and tear on your vehicle, it wasn't worth it. Weeknights, maybe work an hour or 2, weekends a few more hours. So many other things that were bad about working with them, I'm glad I left and focused on my other business that has been doing so well, more than replaced the income from NCCI with out all the hours and driving. There was a few times I had missed some assignments because I was too far out delivering letters, my other job requires printing documents and traveling to the signers location, I'm a Certified Signing Agent, the pay is 10 to 15 times better than running field calls. Let me be clear, the actual people working in the office were all very nice, their structure benefits the area field manager, not the actual people running the field calls.