There are several things wrong here, but the fact that your mother in law is having long conversations about your debts with the collector that’s calling. This is a violation of the Fair Debt Collection Practices Act. Collectors are not allowed to discuss their reason for calling or sharing details about your debt with anyone other than you (or your spouse). Divorce tends to bring out the worst in some and it sounds like your going to be one of them.
, blah, blah blah. Some people have been middle east, but some are not. I tried to leave a message to call me back but no answer. I went on the net tonight, and have been enlightened. I have to cancel my checking acct. because I gave them my info. I feel so gullable. Just because I gave them auth. for auto withdrawl. Don, do it, please just deal with the companies you took out the loan with !!!
I received a voice mail today from some guy who identified herself as a “Carl Thomas”. He never told me who he was with or what his business was. He gave me a claim number and said that he had a pending wage garnishment order and a motion to suspend my drivers license. He left a number (877-601-5861 x261) I called the number to meet the guy but the number he gave was not a working number. So I called the number that appeared on my caller ID. A woman answered only by saying “what extension please”. What number did I call and she answered “an answer service”. So I gave the extension. I was connected with “Carl Thomas” and I advised him that I had received a message for someone and that the information he left on the voice was illegal by law debt collection. Carl Thomas got real mad real quick and told me I did not have to tell him how to do his “F # $ King job” and that if I did not give him the god * & am file number that I could go to hell and shove it. So after he hung up on me I called the answer service back and they advised me that it was a company called PDLR with a PO Box in Aurora, Illinois. The number to the “answer service” is 603-486-1900. Hope this helps.
Ann, I just got a call last week from the same phone number. A “Juan Hernandez” has called me saying I owed on a payday loan; that it was taken out in 2008 and when the company tried to collect in 2009, there were insufficient funds. They are threatening to suspend my driver’s license unless I pay them $ 300 within 48 hours – after that, it becomes $ 1400. I was so upset, I went to the bank and got all my bank statements from December 2008 to present. Nothing returned for insufficient funds. Mr. Hernandez just called me at work today and I’m about to call him back. What a scam – happy you did not fall for it!
The Twisted Economics of Payday lending can not be separated from its natural predatory. The industry has always insisted that its products are intended for short-term emergency use and that it does not encourage repeat borrowing-the debt trap. “It’s like the tobacco industry saying that smoking does not cause cancer,” says Sheila Bair, former president of the Federal Deposit Insurance Corporation. Study after study has found that repeating borrowing accounts for a large share of the industry’s revenues. Flannery and Samolyk found that “high per-customer loan volume” helps payday lenders cover their overhead and offset defaults. At a financial-service event in 2007, Daniel Feehan, then CEO of the payday lender Cash America, said, according to multiple reports (here and here), “The theory in the business is that you have got that customer , work to turn it into a repetitive customer, long-term customer, because that’s where the profitability is. ”
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Crystal – Old payday loan collection effort like this is very often scams. So you should proceed very cautiously and assume it is a scam unless they can really prove otherwise. Ask them to send you a written notice of the debt by snail mail, not email. (Email is too easy to be fake) it’s a good idea to get it out of the world.
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 !!
Customer Notice: Payday Loans are typically for two-to-four-week terms (up to six months in IL). Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Progress, Cash Progress, Deferred Deposit Transactions
Every lender in our network provides the user with specific terms, conditions, and practices prior to the consumer’s acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you. For more details about our Rates & Fees and Lending Policy web pages.
Sadly, these types of scammers are good at what they do and very convincing. They prey on consumers that are not aware of the rules and use scare tactics to convince them otherwise. You hit the nail on the head with this:
Within 72 hours they would attach my salary. She did not say what the debt was connected to.
Someone called me yesterday claiming I’m supposed to appear in court and they will be at my home tomorrow. They then called this morning saying they will be at my him between 4 and 5pm. And leafy an “800” number for me to call. The fact that it’s a 800 number already had my skeptical. So I guess I’ll be seeing these ppl at 5 today lol … They also keep calling from an unknown number so I can not block the call.
Ok I got a phone call today for my husband. I know he took out a payday loan 2 years ago and it’s with the people these guys claim they are collecting for. They want my debit card number so that my husband is not “served” and go to court or jail for check fraud. My question here is that they can even go for criminal action for a “fraud check” that was not even technically checked since it was all done online. Also, should I just pay them? They said they are Lincoln or the number is 877-607-5668 I have no problem resolving a legitimate debt but I do not want to get scammed either.
I am confused. Why would a debt collector say that money you paid them was refundable? Perhaps you were applying for a loan? If so, and if this is an advance loan loan scam, the promise refund is worthless. Did you wire money to them via Western Union by chance? If so, then it’s probably gone to someone overseas already.
Payday Advance In Hesperia Ca
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This is a standard procedure when dealing with any debt collector and by law, the collector must comply with this request. If they refuse, they are breaking the law under the Fair Debt Collection Practices Act and have no right to continue to try to collect. In fact, under the Fair Debt Collection Practices Act, if a collector contacts you by phone they have 5 days in which to send you formal written notice that you owe the debt. The notice must include the amount of the debt, the name of the creditor, and your right to dispute the debt, in writing, within 30 days of receipt of the notice.
Do not hide from bad news. Do not ignore a charge or summary notice from court or the lender, or any court proceedings against you. If you ignore a case, you may lose the opportunity to fight a wage or bank garnishment.
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Just received a call from 1-888-553-2372 She said she was with ADR firm and said they would have to contact a friend of mine who used to be her contact for a payday loan so they could get her address to serve her with papers for fraudulent checks.
call from Niagra Capital Services Inc. About a loan from 2010 when I lived in New Jersey. He said he has a legal complaint about me. He has my new phone number, where I used to work as well as my new address in a different state. He said with interest I owe about $ 1,500, but will settle for $ 560. I asked him to email me the info, (since he has my email address) I have taken the name of the payday loan company that I took out the loan with. I remember that I paid hundreds of over what I borrowed. I emailed him back and asked for the original paperwork associated with the loan. I did some research and found that payday loans are illegal in the state of New Jersey. It’s been over 4 years. What can I do?
here in the states. Pretty much the same crap right now it’s from the homeland. Recently it has been from Obrien, Wexler and Associates 877-334-5288. They called my home and left a message, called my cell, called work and even called my brother that I’m not sure how they got his number. I wonder if they searched it because it has never been on a payday loan app.
wish I had an answer for you as far as stopping the calls. You may want to find out if your company offers service that screens calls for you. (It requires callers to announce themselves and then choose whether to take the call.) Google voice does this for free. It will allow you to select which calls you can use without announcements and which you have to screen. I use Google voice and like it alot. It can do the trick for you.
I just had my first run with one of these “companies.” I immediately knew that it was gibberish but decided to play along. They were immediately taken by the fact I have a British accent but continue their charade. I initially spoke with a woman and the number was 0000. Typically I do not pick up these strange numbers as I assume it’s some sort of scam but I had a itch. She picked up said something and immediately handed the phone over to another counterpart. He of course made claims to a loan I took out in 2008, I believe. Along with fraud check and two other false claims. I immediately said that I was only 16 than though he continued the pressure. Statements of we sent you multiple EMAILS, you’ll receive a summon, etc. After he continued to talk about me I said in a very naive way “He said in his absurdly thick accent” of course. “I than yelled” you such a person I I was a student of law and the likeliness of convincing me of any truth was impossible. “He continued to press me and I slyly said a remark in Spanish than hung up. The fact that I was 16 in said year and British alone should have made him end the call, very foolish tactic. They called me BACK RIGHT AFTER AS WELL. I can also complain of the heavy background noise, completely spineless people praying on Americans suffering through enough of a crisis as is. If I receive another call I will take some of these actions to try and help in ceasing this callous behavior.
According to the Consumer Financial Protection Bureau, or the CFPB – the federal agency that President Obama wants to tighten payday-loan rules – 75 percent of the industry’s fees come from borrowers who take over 10 loans per year.
Race Matters: The Concentration of Payday Lenders in North Carolina, by Uriah King, Wei Li, Delvin Davis and Keith Ernst, The Center for Responsible Lending (March, 2005).
I spoke with a lady named Savanna from the “Division of Processing”, who told me that I had On-Line Pay-Day Loan through Kenwood Services from 2010 that was unpaid and that it was determined that I did it with the intent to commit fraud money. The amount was for $ 420.00, but with fees added they were $ 1820.00 and additional court fees of $ 2500.00 would be added. When I began to ask questions (I thought that the account they claimed I put in the application was closed in 2008, and the address that was for me was 8 years old), she started to get angry with me. All I was doing was trying to get information about the original debt, which she could not give me. She also told me that I was going to be served in a criminal summary and prosecuted for Financial Fraud. When I started explaining to her the law about debt collection, the statute of limitation for legal action on such a debt, and that threatened me with crime action was indeed, illegal, she first told me “do not tell me how to do my job … “. Eventually, she hung up.
That makes plenty of sense in theory. Payday lending in its most unfettered form seems to be ideal for neither consumers nor lenders. As Luigi Zingales, professor at the University of Chicago, told a group of finance professionals in a speech speech last year, “The effective outcome can not be achieved without mandatory regulation.” One controversy is whether the office, in its zeal to protect

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