I spoke to NCB a debt collector working on behalf of XXXX XXXX. I spoke to NCB first on XX/XX/XXXX. We agreed on a settlement amount of {$3300.00} from the balance of {$4700.00}. The arrangement was to pay {$220.00} a month for 15 months. At that time I asked if around income tax I could possibly settle for less. I was advised yes. I have attached bank statements. 
I called again in XX/XX/XXXX to request a lower settlement. I was treated rudely by Mr. XXXX XXXX, he called me a liar. I complained to the supervisor. The supervisor said there was no notes on the account to proof what I was saying. He asked me the amount I was offering I said {$2000.00}, he laughed. I hanged up. I kept getting several calls. I asked to stop calling but they didnt stop. I received a call from XXXX with NCB and she treated me with respect so I listened to what she had to say. I advised her that as soon as I get my income tax I would be able to pay {$2500.00}. She said she would try and get it approved. I spoke to her again around XX/XX/XXXX and I advised her due to health issues and income tax not being enough I would not be able to settle for {$2500.00}. I also explained the arrangement I had back in XX/XX/XXXX but she said that cancelled itself off. I told her I didnt understand because the money I paid where did it go. She didnt have an answer but said I could pay what I can afford and she would note it down. I agreed to pay then $ XXXX monthly for 18 months. I had always requested to get documentation and they said they have sent it. I did receive emails but couldnt open them, it was just a blank page. I did advised them of this but nothing was resolved. I had fraud activity on my personal checking account and, on XX/XX/XXXX, I called NCB, Mr XXXX, to advise them, so they wouldnt attempt to withdraw. I advised NCB, Mr. XXXX that I would call him with new bank info as soon as I can. I decided to review the invoice of that month, and it stated I still owed {$4700.00}. I was puzzled. I called and left message in regards to this and decided not to pay until I received document stating the settlement amount. He called me on XX/XX/XXXX, I advised him I did have a new bank information but would not make payment until I received the proof of settlement. I kept getting emails with blank documents. 
On XX/XX/XXXX, Mr XXXX called a number, my daughters number. I do not have listed or have I approved to be called, I had never had any calls to that number. Mr XXXX called that number and started the conversation with you know who I am, read disclosure, then said we talked yesterday, My daughter kept telling him she didnt know who he was and that they had not spoken. Mr XXXX proceeded in advising her of the account giving her specific details : company they are representing, amount owed, and amount settlement, amount of payments, and that I still owed for XX/XX/XXXX. My daughter kept saying to him she had no clue about this. Then he asked the number called, she then said so you have the same name as XXXX, She let him know that she was not me and hanged up. This created a problem at my home and information was shared because my daughter was very upset at how Mr XXXX treated her.