My husband got a call from BG capital they said they were in New York but who really knows. The gentleman sd he was an investigator w
her company would then move forward in garnishing my salary. If I accepted the settlement offer they would contact American Cash Advance and I would receive a paid in full letter from them. I have not received any such documentation. When I called Ms. Gilbert today to let her know I did not receive the pay in full letter from the original creditor she told me that there was nothing she could do – she did her job and that’s all she had to do and was not interested in helping me. I contacted her supervisor, Ms. Martinez (ext.260) and she told me she would look in the matter for me and return my call. I paid the amount that I was offered in the settlement because I did not want my employer to be contacted – even though I suspected this was a scam.
Just received a call from PDLR Recovery systems about a payday loan that was supposedly taken out 2 or 3 years ago and they were willing to settle for $ 500.00. I had originally made an arrangement with them. I then called them to cancel the arrangement at which time they said they were going to call my office and start the garnishment proceedings. After reading your cover page and asking for the actual credit information as well as information to the collection they worked for, they suddenly hang up. Thank you for the advice.
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
DUBNER: Obviously the history of lending is long and often, at least in my reading, tied to religion. There is a prohibition against it in Deuteronomy and elsewhere in the Old Testament. It’s in the New Testament. In Shakespeare, the Merchant of Venice was not the hero. So, do you think that the general view of this kind of lending is colored by an emotional or moral argument too much at the expense of an economic and practical argument?
We are working on some of our payday loans clients and they are getting these same calls. One of the customers were scared in paying them until I looked it up. They said they were from payday loan recovery group. Saying she owed a loan from 2008 for 1,200 and she could pay it in full for $ 399. She was scared in paying but I told her to cancel her creid card before it went through. They send her an invoice on the decline. The processing company is http:
Total repayments $ 0, made up of a fee of $ 0 and interest of $ 0. The payment amount is based on the selected variables, subject to our evaluation and suitability, and other relevant terms and conditions apply. *
I received the same call yesterday and today from Eric Brown threathening to come to my place of employment and have me served. When asked for his company name, phone number he said I havd been warded. He starts off having a lot of personal information address, phone number really scary. How do they get all this? He has been calling my cell phone everyday today with threats. I have his messa saved on voice mail. He also informs me to contact 877-418-8244 Pay Day Solutions. His number is always unavailable. Will contact Attornet General and FTC today. How can we stop this?
said that if I agree to make three payments to settle the debt they would not take me to court. I agreed and made the first two payment, now I have a single payment and I do not have the money until next time I get paid which is a week from the due date. I tried to call the company that is taking the money out of my account to see if they would work with me and take the money out when i have it but i have to leave a message due to “high call volume” but never recieved a call back. My question is they can still take me to court and what’s the hood of them doing this?
I’m down with zero cash and applied for a payday loan now, I’m getting harassment calls from a phony call center (a double-wide trailer) deep in the heart of the Idyllwild Forest Reserves in California. They call and harass in a few dialects (Deep Indian, Middle Eastern, and Slavic … The phone number (951-468-0421) is listed as a lease from Sprint, and the thumbprint tracking that each call leaves leaves to that very location, Thanks to that phone’s GPS I had paid off the loan, Thank you, and now I’m still getting calls from ACS Legal Services. And then, If they persist, you can file harassment against the phone number and the person.
Ask them to send you a notification of the debt. They are required to do that within three business days of calling you. If they are not, they are definitely not up and up. Also, debt collectors can not make false statements. Telling you that you will go to jail for check fraud will probably fall under that category. (You can not go to jail just because you can not pay a debt) and you’re right – not paying back a payday loan is not check fraud.)
I was contacted by these people
I just got a call stating that i was for fees for payday loan company, it really freaked me out because the message left on my answer machine said something about restraining order and they used my maiden name so I called the number left on my machine It was 813-217-5283 I asked for Tina Charles the woman who left her name I got this guy and he said well the loan company that found the lenders got a fee and that’s what i defaulted on i told him i did not see that in any of the sites and he said that sounds ridicules I told him you sound ridicules and then i yelled goodbye and hung up. I would not have given them any money any way but still it freaked me out
Ron – You sure should report this to your local law enforcement. There may not be a whole lot you can do but it’s important to file a complaint. (You can also file a complaint with your state attorney general and the Consumer Financial Protection Bureau.)
I took a loan from Money and More in July 2008 and paid the loan back in Aug of 2008 with an electronic with drawl; by Money and More. I had the bank send me my bank records showing both of these trans shares however I was told that unless I had a letter from Money and More that this had been paid my bank records are useless. I have had many payday loans over the years and have never received a full payment from any of them but have always been able to contact them online to check my history can not do this with money and more and the only phone number I can find is not inserving 951-922-6286 who is the scammer ?????. The calls do not come every day they are about 1 or 2 weeks apart. guess I’ll just have to wait and see if they are doing papers on me they know a lot of my personal information as told them I would not send them my bank statements she then recited my bank account number from the account I had at that time has since changed accounts. I have asked for things in writing and have to recieve anything.
I made the stupid mistake, and because I was unemployed, but go back to work. I took out loans but started a new job, so I was not worried about paying them back. Well I lost my job and was unable. I’m looking for work, but I’m now getting calls from people other than I borrowed from. (capitol solutions) They are a scam from what I read. They threaten to have my paperwork sent to the court house, come to my house
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.
Most of these scammers are hard to track, and if they are in other countries it makes it even more difficult. However, you may want to try filing a police report, and then file a complaint with the CFPB at consumerfinance.gov.
wow. That’s disgusting, especially towards your daughter. I’d have told them “odd, I’ve already talked to my county sheriff about this, so PLEASE some over here because he really wants to meet you too! Oh, all of this is recorded and will be given to my Sheriff this afternoon while we’re sitting around waiting
A “Russell Florence” left me threatening voice mail warning me that I would be getting useful paperwork next week from two complaints filed against my SS # (the SS # was not verified on the message)
A cash advance is a service provided by the most credit card and charge card issuers. The service allows the cardholders to withdraw cash, either via an ATM or over the counter at a bank or other financial agency, up to a certain limit. For a credit card, this will be the credit limit (or some percentage of it).
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
DURBAN, South Africa – Ronald Louw was a human-lawyer lawyer and professor at the University of KwaZulu-Natal, the South African province, which is one of the most affected areas of the world, so he must have known about the dangers of the virus. In April 2005, he was taking care of his mother, who had been diagnosed with cancer, when he realized he had a cough that would not go away. He went to a doctor who treated him with antibiotics.
(715)629-1149 just got a call from this number.telling me charges had.been had to be able to verify my address so I could receive these sealed documents. I did not give out any of my info he already did not have. I almost gave out my info but thnxs to.this informative website I knew
I called back and a man answered and said that the debt was a payday loan that is more than two years old. I sent a stop and desist letter to the payday loan company back then, and even then they would not leave me alone. I had to contact the California State Department of Corporations and the state attorney general’s
Credit.com’s journalism is largely supported by an e-commerce business model. Instead of rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separately from its editorial pages. When someone navigates to those pages and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That does not mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as a journalist is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.
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.
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.
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.
I just received
mail to validate the debt.
Just to be clear, these are not collectors trying to collect legitimate debts. Most of the complaints on our forums, and to the AG AG include consumers who have never taken a payday loan, or who may have initiated one but never actually secured the loan. In some cases, the “collector” has detailed information about the victim – such as name, address and social security number – which makes the debt appear to be real.
Today, the same lady called & left another message, said the same crap including this is her last attempt, blah, blah, blah but this time left a different number 1-855-809-6119. Again, ended his message with “you have been notified”.
I did not have any phone calls but my previous room was visited at home by a man named Lewis claiming he had a delivery for me and that he is a server server! She has been to her home several times and she has finally told her to stop her harrassing her as well. He left a fake look business card in which he wrote in his name and tel. # 425-223-8367. I have not called him to verify anything yet. Any suggestions how to handle or proceed with this? Any help is appreciated!
The California Department of Business Oversight supervises us under the Deferred Deposit Transaction Law, §§ 23000 – 23106 of the California Financial Code. You may register a consumer complaint or inquiries about us by calling the Department’s toll-free phone number:
The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not support the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.
STANDAERT: These payday loans cost borrowers hundreds of dollars for what is marketed as a small loan. And the Center for Responsible Lending has estimated that payday loan costs over $ 3.4 billion per year from low-income consumers stuck in the payday-loan debt trap.
for you to show up “. If they go to blatantly, they can use their own tactics against them.
Freakonomics Radio is produced by WNYC Studios and Dubner Productions. Today’s episode was produced by Christopher Werth. The rest of our staff include Arwa Gunja, Jay Cowit, Merritt Jacob, Greg Rosalsky, Kasia Mychajlowycz, Alison Hockenberry and Caroline English. Thanks also to Bill Healy for his help with this episode from Chicago. If you want more Freakonomics Radio, you can also find us on Twitter and Facebook and do not forget to subscribe to this podcast on iTunes or anywhere else you get your free, weekly podcasts.
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 just dealt with ACS. They have been hounding me for a couple of weeks trying to get me a total of $ 625. One person calls immediately to the “supervisor”, Denis Petersen. They even faxed and emailed me to complete (completely bogus) to authorize a credit card only payment plan. When the first payment came, they became very aggressive, calling my cell phone over a dozen times in a row in one instance. Today they called my primary job (hospital ER) yelled at a nurse and called her a stupid bitch, my coworkers rightly freaked and went to my manager who called me. I assured her that people were scammers and told her I would immediately call the FTC and states the attorney’s office, which I did. I also had her apologize to my coworkers. I was so upset, I was shaking. I called ACS and confronted Denis Petersen, who had been the fake supervisor bullying these payments. He told me he could call me the same things and hung up when I said his behavior was illegal. I then received two calls on my cell. I call back and say stop calling my cell. This Denis Peterson goes to the person who called me “Why did you call her cell, I told you to call her work so she loses her job!” I just
If you do not repay your loan, the payday lender or a debt collector can generally sue you to collect. If they win, or if you do not dispute the lawsuit or claim, the court will enter a order or judgment against you. The order or judgment will state the amount of money you owe. The lender or collector can then get a garnishment order against you.
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