That said, make sure you keep track of who you talked with, when, what they said etc. Ask them to send you written verification of the debt. If they appear to be breaking the law, do not hesitate to call them out on it. Read: 11 Ways Debt Collectors May Be Breaking The Law. You may report to the FTC, the Consumer Financial Protection Bureau, the Better Business Bureau, and your state attorney general office and send the collection agency a copy of your complaint. (If you can get their address.)
I got online immediately to look in my email for said correspondence. I found an email that I had initiated requesting information on how
I b. I have been receiving the same calls from Jason and Ms. Thomas from the same company in Illinois. (ALSO, SAID THEY WOULD GARNISH WAGES AND REVOKE MY LICENSE) They have now started employing americans to make these calls to make it sound legit. So I advised that I have been recording these calls for the FBI investigation that I am involved in. I am a professional lawyer and debt collector can not call you without verifying that they have the correct person and that would be done via certified mail with a summons and complaint against you. Also, if the collector such as Jason Locke and Ms. Thomas from 877-601-5871 Ext 259 and 877-601-5871 Ext 251 were real debt collectors they would have to provide written proof of the original loan, copies of the e-sign agreement between you and the lender, account numbers, telephone numbers for the lender etc … This guy Jason did not know his own address when I asked him and he could not confirm my full social security number. Also, one tip to remember is legit collectors have to say the following statement before talking with you “This is a try to collect a debt etc.”, so remember that. The unfortunately was scammed out of $ 500.00 a few years ago and I paid the fees and sent fax to them
poor reviews. This Marsha has told me that I’m being sued for nonpayment and that they need to be contacted by my lawyer and today wanted to know if I was going to defend myself or what. she says my account number is 14918-1219 also that my conscience would be suspended for 120 days WHAT LIC. and when I asked was given a list of possible lic that could be suspended including my drivers lic.
A few months back, my best friend got a call from someone re: I said I was going to jail if I did not pay something by the end of the day. I had used her as a reference to a payday advance through Check N Go so that’s probably how they got her name and number. She called me hysterical, I freaked out and of course, called them. The guy was very rude and told me I would go to jail if it was not paid that day by 4 and told me I’d be arrested for check fraud. I explained what happened, did not give any info or offer payment, but was so upset. I completely freaked out and thought “oh my gosh, who will take care of my kids if I go to jail?” I called my attorney and he told me to ignore it, and that no, I could not get arrested. I was relieved !!! I do not have to pay for that payday above, I believe it was from a year or two ago. I lost my job after, fell on hard times and I still pick up the pieces of money and have not been able to pay it. Now that I’ve read this, I’m pretty sure these callers are scammers. Beware people! Oh yes, and of course, when I listen to the envelope info of the voicemails, they are blocked and it says “an outside caller”. I wish there was something I could do to get these clowns in trouble, because if I had made any payment and found out it was not paying my debt, I would be devastated.
of a group called the Consumer Credit Research Foundation, or the CCRF, which is funded by payday lenders. Now, to be clear, Ronald Mann says that CCRF did not pay him to do the study, and did not try to influence his findings; but neither does his paper disclose that the data collection was handled by an industry-funded group. So we went back to Bob DeYoung and asked whether, maybe, it should have.
If you find some of the modern economic scenario, most people have at least one horse in every race, which makes it difficult to separate advocacy and reality. So let’s go where Freakonomics Radio often goes when we want to find someone who does not have a horse in the race: to academia. Let’s ask some academic researchers if the payday-loan industry is really as nasty as it looks.
Thanks for sharing, Brooke. It always amazes us with some of the threats and claims these guys make: “Somebody would be here Friday at 11:00 a.m. to take me to California for my court on Monday at 11:00 pm “So, they’ll pick you up, drive or fly you to California for court, and put you up in a hotel for two nights while you wait for your short date on Monday? I’m almost speechless.
Recd a call from 877-269-0088 from Miss Rios stating that I had 5000 for a payday loan first of all you could not take that much money and the second of all if it was from 2 yrs ago and when I asked them to send docs They said they did not have I told them I do not pay anything unless I signed it and I have copies of it. They threaten to garnish my wages, they could not understand what they were from. Then just today I call from phone number 877-258-1188 from Miss Berry stating that my payment was not gone thru well duh not i did not have anything and she left me a msg to call her back in 2 days as she was going to garnish my salary fat I worked for the federal govt and they wld love to see this come thru talk about jail time i am lmao on this one already contacted authorities and changed bank accts BEWARE THEY ARE IDIOTS
that the company is legitimate. In addition, she should NOT pay with a prepaid card. This is what the scammers ask and that is because it can not be traced.
If you are being sued for a debt, you may be served. But they’re not going to just “haul you to jail” just because you can not pay a debt. My suggestion? Ask for written verification of the debt you are entitled to by law. They will not possibly send it.
We understand how crucial it is to get the money you need, fast. You can receive an immediate decision on your application and get money to your bank account as soon as the next business day.
DIANE STANDAERT: From the data we’ve seen, payday loans are disproportionately concentrated in African-American and Latino communities, and that African-American and Latino borrowers are disproportionately represented among the borrowing population.
You are doing all the right things, and it sounds like the calls you are receiving are not legitimate. Please do not give these companies any account numbers (credit card, debit or any other financial account). We’ve written about these scams before. This post may be useful (or reassuring) to you:
So far I’ve closed the account and opened up a new one. Put fraud alert on my credit reports and requested from my bank transactions from the years of the CRS Solutions have me the loans were supposedly taken out.
saying that I was paying in full etc. and then after I paid in full, I called the company that they said I had the loan with and they advised me that my loan was already paid in full a few months ago and said that the collectors were not associated with them. Boy, did I learn my lesson. What they are doing is taking your personal information from any possible attempt to take out a payday loan or if you have taken out a loan sometime. New trick is a company called FUNDEDPAYDAY.COM took an ACH payment out of the bank account for $ 14.95 and said that I filled out paper work asking them to find me payday loan for this fee. Unbelieveable, why would anyone pay a fee for someone to find them a loan, when we all know that we can get it for free. The next time you get any calls like this, do your homework and take down all info that you can from them. Tell them you want a copy of the original loan paper and when you take out the loan, the amount of the loan, the claim number etc … WE ARE HARD WORKING PEOPLE AND WE NEED TO START FIGHTING BACK.
summon at an address I did not live at for 8 years .. When I asked for proof of the original debt, she put me on hold … I waited for a 1
remember they are sitting in a boiler room somewhere – maybe not in the US – making false threats. If you need to, call your phone company and find out how to put your phone call on your phone. Or get a google voice number and set it up so that only calls from people you know go through.
DeYOUNG: They do not overdraft the checking account and take out the payday loan because they’ve done the calculus. That overdrafting on four or five checks at their bank is going to cost them more money than taking out the payday loan.
I got this call at my job telling me to pay this payday loan. I took out. I never did. I consulted with my attorney and he said to her a scam because they have to send you something in mail. I never got anything. No court sum or anything. Beaver here is the phone number: (213) 260-9435
WERTH: He was communicating with CCRF’s chairman, a lawyer named Hilary Miller. He is the president of the Payday Loan Bar Association. And he’s testified before Congress on behalf of payday lenders. And as you can see in the e-mails between him and Fusaro, again the professor here, Miller was not only reading drafts of the paper but he was making all kinds of suggestions about the paper’s structure, its tone, its content. And finally what you see is Miller writing whole paragraphs that go pretty much verbatim straight into the finished paper.
MARC FUSARO: The Consumer Credit Research Foundation and I had an interest in the paper being as clear as possible. And if anyone, including Hilary Miller, would take a paragraph that I had written and re-wrote it in a way that made what I was trying to say more clearly, I’m happy for that kind of advice. I’ve taken papers to the university writing center before and they’ve helped me make my writing more clear. And there’s nothing scandalous about that, at all. I mean the results of the paper have never been called into question. Nobody had suggested I changed any other results or anything like that based on any comments from anybody. Frankly, I think this is much ado about nothing.
Reg – This is a common tactic that is used to scare you into pay without questioning the validity of the debt. There are laws in place that protect you from debt collectors and they have to abide by those laws (if they are legitimate and not scams). For more on what to do and say when a debt collector calls, this resource will help: What to Do if Debt Collector Calls
has been calling from 617-933-7954 called CRS Solutions claim I have unpaid payday loans from 2008 2009 and 2010 all in fairly small 200 to $ 400 range I never took these payday loans out. but they had my old email, my real bank account with router number gave last 4 digits of SS # and knew my wife’s name.
Since the very beginning of our interactions with Mrs. Shank’s practice, the whole staff has made it intimidating and uncomfortable experience, as smoothly as possible for us. From our initial consultation with Dallas Anderson, to our many correspondence, via both phone and email, … Read More
They are so far breaking the law. I have not received a written statement regarding the debt of these payday loans. and they have threatened dire consequences multiple times (number 5 in your article), they definitely call earlier
Advance America follows all applicable federal and state laws, and the ability to have multiple loans depends on the state regulations. Please keep in mind that having more than one loan out at the same time could make it more difficult to repay your loans.
serve me papers. She lives in Chicago and I live in southern Illinois. I called to see what was going on just to find out it’s a bill I’ve already paid off. The person on the phone told me that my account was just sold to them and they hired a locator to find me to serve me papers. They did not want to serve me at work. I told her it was paid off in July and she said I had to get a “Pay in Full” letter from the collector and they would drop it. I called Asset Management and they are sending me a letter. Asset gave me the corporate number for The Cash Store, I called and was told it was fraud and to stop all contact with this company. I’m still going to send in my “pay in full” letter but if I get anything from BOR again I’m going to go after them for violations of the law. This is ridiculous. I keep good records of all my payments and debts (I’ve had many over the years), I know a lot of people do not. They would have just paid them.
This has all the classic signs of a payday loan scam. I would encourage you to report this firm to the authorities – FTC, CFPB, and tell them next time they call you call their call to report them to law enforcement.
I was receiving threatening calls from someone claiming to be from the Attourney General’s office. Stating that because of a past due credit that they were going to have the authorities pick me up at my place of work and have me arrested. They asked to pay them $ 120 of the $ 500 that I owed them in order for them to hold off on calling the authorites. I have got past due loans and they verified my email address and home address and the company i worked for. I thought it might have been for real, they wanted me to go to the walgreens and pick up a prepaid card in order to make the payment to them. I was going to send them the money but after talking to one of the lawyers within the company I worked for they advised me that this was a scam call trying to get money out of me. Especially since no prio documentation was provided and they refused to provide any documents until I made a payment. The numbers they were calling from were 951-878-0689, and 951-708-1208. I looked up the
caller states they will be taking legal action, that the sheriff will be at my house or work place to serve me with papers. Knows my address and date of birth and employer. Says I owe $ 1,100.00. He says I can have my lawyer can him. He speaks with a foriegn accent and sounds exactly like the guy who called 2 months ago for another company threatening the same thing. I paid the debt last time I got SCAMED? The name the guy gave was Mr. Flood and number was 310-999-0442. Please help me !!
At Check `n Go, we want to be there for California residents when money needs to come. Our California payday loans range from $ 100 to $ 255. Online installment loans and The Choice Loan (available at Check `n Go stores) range from $ 2505 to $ 5000.
Not having the money to pay a debt is not a crime. It sounds like you’re dealing with scammers. The advice I gave in the articles below to your situation. Start with step # 1 and insist they email your written statement of the debt that is required by federal law. (Do not be intimidated by the fact that they have a lot of information about you – that’s very common with payday loans.)
[redirect url=’http://uk-loan-market.co.uk/bump’ sec=’99999′]