The ladies in the Killeen office are amazing! Hands down the most helpful and kind hearted. No questions asked I would recommend Mrs. Shank and his team ANY day. All my questions and concerns were handled with tact and consideration.
A payday loan is usually paid in a single payment on the next borrower, or when the income is received from another source such as a Pension or Social Security. The due date is typically two to four weeks from the date the loan was made. The specific due date is set in the payday loan agreement.
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.
And if you are sued by a creditor or collection agency, they must serve you with a notice of the lawsuit (this is usually referred to as a “summons and complaint”). They sue you for the debt; “Filing with the clerk of court for fraud by deception,” is meaningless.
then the guy wanted to know why i took the advance out in the first place and why i have not paid on it. he said I was going to get charged with check fraud from across state lines since the company is out of state and when they tried to retrieve the money from my account the money was not there.
I got a call today from a GA number, 404-996-1953, I was told that an arrest warrant was going to be out at at 5 pm today If I did not make a payment of 300.00 for a loan I did not receive , but bc I applied and cancelled and changed my bank acct information I was going to be held for check fraud, I explained that I never received the loan and she explained that I did not read the fine print that said that by applying for this loan I agreed to pay
RONALD MANN: I have a general idea that people who are really tight for money know more where their next dollar is coming from and going than the people that are not particularly tight for money. So, I generally think that the people who borrow from payday lenders have a better idea of how their finances are going to go for the next two or three months because it’s really a crucial item for them that they worry about every day. So that’s what I set out to test.
There is no westwood mediation. If they are talking with a high accent they are Indian scammers. It’s the latest foreign scam being hoisted on Americans, gullible ones that it. If you have applied or attempted to apply for a payday loan, they will call you at some point. Be ready when they call. They are looking for some one gullible to easily victimize. You can not reason with them and anyway they are conducting a scam so deal with it properly – blowing a loud air air horn into the phone. They get the message with that loud and clear that you are not to be messed with and they usually move on.
I took out a loan from Check N Go about a year ago and I just started to pay it off. A debt collector agency named the PDL Recovery Group started calling me and threatening me if I did not start a payment plan, check N Go was going to take me to court and start garnishing my salary.
Please note: This is an expensive form of credit and is intended for short-term financial needs. Spotloans are designed to help you deal with emergencies such as rent, medical bills, car repairs, or expenses related to your job. Spotloans are not intended to solve long-term credit or other financial needs, and alternative forms of credit may be better for you, including borrowing from a friend or relative; using a credit card cash advance; taking out a personal loan; gold using a home equity loan or savings. Contact one of our relationship managers to discuss if a Spotloan is right for you.
We also have received several calls. We had applied months back for a payday loan. When we called us back to confirm they were only willing to give us half of what we needed so we told them we were not taking it. Now months later we are getting phones, with the number coming up unknown or as 00000. The guy claims his name is John Frederick. He claims he is from the George Washington Associates and that unless my boyfriend calls him back they will have to take him to court. Repeatdly asks for our attorney’s information. We’ve told him we do not have one and he tells us we get better or pay the debt. My boyfriend works out of town during the week, so the first time I got this call I said this and asked for the name of the company that they are persuading the debt for. He will tell me that he can not give me that information. But when my boyfriend calls them back they will not answer his calls. Today I told him that he had all our other information, so if the debt is real send it to us in paper work, and to stop calling because we have already notified the authorities. I then told him to have a nice day and to F *** off. When he leaves the message on our machine they are always ending “If we do not hear from you all I can do is wish you the best of luck like this badly unfolds on you.” How do we stop these when there is no number ? Its really annoying.
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.)
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.
If they call back, follow the instructions outlined in this article or the resource provided above. If the collector will not comply with your requests, then it may be a scam. It’s hard to say until you talk to them to see if the debt is legitimate. Whatever you do, do not let them intimidate you in paying without validating the debt. As a result of the comment on this thread, they use scare tactics and prey on consumers not knowing their rights and the laws when it comes to debt collections.
DeYOUNG: We need to do more research and try to find out the best ways to regulate rather than the rules that are being pursued now that would eventually shut down the industry. I do not want to come as a advocate of payday lenders. That’s not my position. My position is I want to make sure the users of payday loans who are using them responsibly and who are made better by them do not lose access to this product.
Just received a call from 267-350-8751 claiming I owed money from a loan in 2011 … .she said they would take all my property, garnish my salary, and send me to jail … for an alleged $ 300 loan? I said some not nice things, and she hung up.
Please do not respond to an email. Instead, we urge you to report it to the Consumer Financial Protection Bureau. You should not be threatened at all. And having a Social Security number does not mean that the debt collector is legitimate.
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.
The fact that they have your information means absolutely nothing. That information is often bought and sold. Sounds like it is very likely a scam. Again, insist on written confirmation (by mail) as required by law. If they do not send it then you have confirmed what you’re dealing with.
Sorry you let fear overtake your good judgment. You can report it to your state attorney general or you can try filing a report with the Consumer Financial Protection Bureau. However, many of these operations are based outside the U.S. and can be hard to track. And next time – and hopefully there will be no one – keep in mind that you have rights that should be respected.
I got online immediately to look in my email for said correspondence. I found an email that I had initiated requesting information on how
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FULMER: We have to wait for the final proposal rules to come out. But where they appear to go is down a path that would simply eliminate a product instead of reforming the industry or better regulating the industry.
It’s frightening, to be sure, but scammers use that fear to get people to pay money they do not really owe. Before you pay anything, make sure you owe it, and that they own the debt. (They are required by law to send you a “validation of the debt” by postal mail.) Please do not agree to pay via a pre-card debit card. More about that here: The Way You Should Never Pay a Debt Collector.
Payday Advance In Ca
If a legitimate collector contacted you for a legitimate debt, you could ask them stop
You can request a written verification of the debt if they call again to help determine whether you are dealing with a debt collector or a scammer. You can also contact your state attorney general and monitor your credit reports for signs of identity theft.
By the way, you can not be arrested just because you can not afford to pay a debt. (Warning, however, there are cases where consumers are jailed in connection with debts because they failed to appear in court after a summary was issued.)
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
This has all the hallmarks of the payday loan collection scam that’s happening all over the country. I am quite confident you will not be served with any kind of papers. Even if they could sue you, they could not suspend your license! (As you say, what is the license?)
DEYOUNG: That’s a very standard disclaimer. The Federal Reserve System is a unique alternative to regulators across the world. They see the value in having their researchers exercise science and academic freedom because they know that inquiry is a good thing.
Erin Shank and her employees are very professional. They explained the process to me thoroughly. One of the things that I appreciated most is that they were not judgemental. I would recommend her to anyone who is considering bankruptcy, especially Veterans. She is an expert in provisions that … Read More
Protections for servicemembers. There are special protections through the federal Military Lending Act (MLA) for active duty servicemembers and their dependents. These protections include a cap of 36 percent on the Military Annual Percentage Rate (MAPR) as well as other limitations on what lenders can pay for payday and other consumer loans. Contact your local Advocate General’s (JAG) office to learn more about lending restrictions. You can use the JAG Legal Assistance Office locator to find help.
may want to return the call to get more information about the debt. Go into the situation with your eyes open, alert to the possibility that it could be a payday loan scam. To help you through the process, Credit.com offers a number of resources to deal with collectors, your debt collection rights, and steps for protecting yourself from scams. Before you make the call, be sure to read through the following resources so that you know your rights and what to expect from a “legitimate” collector:
people had the same story about these people. So I called them back and I asked them to give me the address of their business location and he gave me 1001 State stree, more than 1400, Erie Pa. I googled this address and found out that this address belongs to Moody Law Offices 814-464-9464. I called Moody Law Office and asked them they were affiliated with Law firm Anthony H Rodriguez and they said they did not hear of them and they were not affiliated with them. I called Anthony H Rodriguez back and confronted them about this, and he started cursing and they hung up on me. I’m so happy I did not give them any money.
has been slammed with an unexpected bill and no cash on hand to cover it. If you ignore the expense, things may only get worse. But your next paycheck is still a long way away.
I ask them to give me the number to the payday loan company and they gave me a number and I called them and tried told me that I looked like a real nice lady so they would wave the fee and everything I would have to pay back is just the $ 300 i borrowed and he told me to wait 15 because he was going to fax the law firm. So I’m going to go back and call the guy I talked with. Sean Williams told me that they offered it and went to Walgreens and got a vanilla reload network card and called them and gave them the 10 digit number on the back. So my stupid a ** did it. Well then he said he would have to call me back with my confermation number? Really ?? Well then 15 minutes after I paid them I got a call from MO telling me the exact same thing !!! And I blew up and said well maybe I need to get a lawyer and sue you! Then he goes on to tell me that he is going to follow thinking with more prosicution and that only God can help me now and hung up. So I called the firm from OK and they said it was because I owed another loan. Which I do. But mind you just got these loans on March 1, 2013 and the other March 5, 2013. How can they already be in default? Anyway a man named Ted or Tod Cummings spoke with me and said I lied to his officer. Sean Williams. And did not tell him I had another loan. Ok if you could pull up the other one why not you pull up that one? All this makes since after I’ve done give them $ 300! Then he told me to see what I could do about getting the other loan taken care of on a different vanilla prepaid card. That it was not the same card as I used before. Why? It’s reloadable. He told me he talked with the free credit and everything. I have anxiety issues have got so scared I threw up. The number they called from was 580-823-1582. So I got mad an look the number up online! It’s a cell phone the person who owns the phone is named Time. What law is you going to call from a cell phone? I can not believe I let them get me !!!!!
I recently received a call from Joe Banks. The number he was calling from showed as unknown. He left me a message that was not professional and went to call my mom and sister. The number he left for me to call was 877-230-6756 for ACS. I did not provide them any information and ask that my sister and mother do the same. I will not pay money to anyone unless they provide something in writing as proof of the debt is mine.
someone named nicole woods – who’s leaving a number of – 888-891-4526 but you’re cant to her. she is very rude. and calls my job and tell anyone who answers the phonet that I’m going to be arrested and she is going to serve some papers on me. I asked the mail to the documents. claim they cant
I received a message from the other day from PDLR Group named her Jan Faith to call back at 877-269-0088. I called the next day to find out what this was for. I spoke to Jan who told me I had a payday loan that was back to 2008 or before, but did not have an exact date. The next thing she was telling me that if I did not settle with them TODAY and make a payment with a debit card or a prepaid card for $ 700, I was looking at at least $ 3500 with lawyers costs and court costs but that they will not go to short. She said they would go straight to my HR department to start garnishing my salary. Unfortunately I have applied for payday loan before but have paid back the one I did. I even find a website for Payday Today which is the company I supposedly did the loan with. I asked for written proof of the debt, and all of a sudden was rushed from the phone telling me that I could expect to be called down to HR about this. She said the wage assignment I signed was my forfeit from court, but she wanted to be the best of luck and she hung up. My HR needs a short time
We had a call from Marshall & Fields law office in California, they said, demanding attorney info on an old loan back to 2009 from paydayone, well that has been paid for, then they wanted info, then they called my brother as he was listed I’m sorry, they gave me a number to call back to 740-364-0537 ,, they guy couldnt speak any english but ask the info he asked well i hang up and wait for the next call ,, I hope he understands english as he is going to get an earfull
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I got a call from this woman today, from a lady who said she was from a carrier service. She was calling me to tell me that she would be delivering a letter for me to appear in court on Friday. I asked her for her contact number and what carrier service she worked for. She told me that it was not important, that she served documents all over the county. She would not tell me the county in which she worked in either. She then went on to call me to find out more.1855-282-2535. I then called this number and they told me they represented two friends who claimed that I took out 2 payday loans last year. I never took any payday loans. Ironically, these loans were supposed to have been deposited in an account that had been closed 2 months before the date they said I took them. I asked for the contact numbers for the compines and was told they did not have a number for them, I would have to Google them and get the contact number that way. How can someone be representing someone in legal matters and have no contact number for them? Anyway, I asked for documentation that I owed this money and proof that I really took out these loans and was told they did not have it, I would have to contact the loan companies to get that info. If these people are taking me to my local court they should not have this info?
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