I gotten calls from PDLR- IT’S A SCAM! Beware for Miss Berry, Miss Santiago, or Miss Stiles, who all claim to be supervisors! The said my salary is going to be garnished in 2 days, we had a very heated exchange in which Miss Berry started talking about my mother, lol. Then when I insisted on the proof of the debt, how much, and who they are, they told me that I would get an email after the 1st payment is made. Initially I thought it was a legitimate debt & gave my credit card info, but after googling this agency I’ve found it a scam. Called my bank & reported it immediately.
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.
This money, still no amount was disclosed, he just wanted my attorneys name because I had felony criminal charges against a very serious matter. Again I asked for it in writing and he got very hateful, asked me to hang on while he got his supervisor and the phone got disconnected. I called the number right back and it went to a voice message, again with no greeting, just leave your name and number. I thought it was all done, I received another call Nov 30 at my workplace, this time from Jack Thomas (again very heavy Indian accent) and he is supposidly with Kevin Peterson Law Agency in New York only the phone number was 516-847-4310 which is supposidly out of New York. I contacted my local police department at this time, gave them all 3 of these different phone numbers and they tried to call them but only to receive the “no-greeting” voice mail. So today, Dec 2 I get a call from Kevin Peterson, Attorney at Law out of San Francisco, Ca from 530-344-4624 Tell me he will have the local sheriff come to my place of work and serve me with papers, again Kevin has very broken english and very heavy Indian accent. The accusations they are making are awful, does anyone know what can be done. I am sick to death with this
Does a researcher who’s out to make a splash with some sexy finding necessarily work with more bias than a researcher who’s working out of pure intellectual curiosity? I do not think that’s necessarily so. Like life itself, academic research is a case-by-case scenario.
Rudy – Please do not freak out. This kind of thing happens all the time and what you’re saying happened has all the signs of a scam. I do not want to be taken by a scammer. Read this article: 9 Signs You Are Talking to Debt Collection Scammer
Same thing happened to me today with the 6308445678 number. She told me I took out this loan in 08 but when I asked her the name on the loan she told me it was my marriage name that I did not have until after that date. Then I told her I’m not working and she said she did not know why anyone in their right mind would not want a job or have a job. She then said “Well, I have a job and pay my bills” Little does she know I’m staying at home mom taking care of MY kids! Ugh so annoying!
The decline of marriage is on us. But, at least, that’s what the zeitgeist would have
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.
Defaulting on a loan is not a “felony violation” and what they are saying and doing is illegal under the Fair Debt Collection Practices Act. The next time you talk with them, ask them to send you a confirmation of the debt-which they are required to do by law. If they refuse, you can tell them that they are breaking the law and you will pursue legal action if they continue to call and harass you.
Why not send all your correspondence thru the mail since you have all this info on me. He said he would and wishes me luck. The scammers use several names like Daniel Richards, Dominic Jones, Angelina Parker and gives you a bogus address in Irvine (the idiot can not even pronounce Irvine, he goes to Irwine) when his phone does not registry East of San Francisco Ca. Please do not be intimidated by these people. Since a lot of our companies are in the US outsourced most of our call center
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.
That does sound sound, does not it? A typical credit card rate is around 15 percent, maybe 20 or higher if you have bad credit. But to the payday-loan industry, a proposal of 36 percent is not reasonable at all.
A debt collector is required by law to send you notification of the debt within 5 business days of that initial phone call. Once they do that you are entitled to request verification of the debt. Have you received anything in writing? Did you ask them to send you something in writing? If it turns out you think they are legit then you also want to check out the rules of limitations: Statute of Limitations On Debt Collection by State. Please be careful not to pay a debt you do not have.
Thanks so much for doing this. You have proven you are an honorable person and no one will blame you. Everyone needs a job but you were brave enough to quit when you found out they were immoral. You have been very helpful!
There is no reason payday lending in its mainstream, visible form took off in the 1990s, but an important factor was deregulation. States began to roll back usury caps, and changes in federal laws helped lenders structure their loans so as to avoid the caps. By 2008, writes Jonathan Zinman, a economist at Dartmouth, payday-loan stores nationwide outnumbered McDonald’s restaurants and Starbucks coffee shops combined.
I’m really sorry to say that you are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by US Government, so before something goes wrong I thought I would call you and notify you about this matter. But as I was not able to reach you I am sending you an ultimate email notification. So please take a piece of paper and write down your case MW18240 and second thing since it’s a legal matter you will need my help, so please write down my callback number is 315-999-7327 Ext 2000
I’ve received calls like this before, where they call me and my work. But, today I got a call from a private investigator named John McCaffrey from 855-656-5010. The message stated that there were charges of fraud being placed against me and my attorney would have to speak about case number # 14831-TX69. He said I was to appear at my local county courthouse to take care of the mater. What was disturbing is that he also called my mother’s phone number and my sister-in-law phone number, leaving the same message from me. The message at their numbers stated that I was to appear in court at their local courthouse. How are I supposed to appear at three different courts for the same case ???? This is how to fishy !!
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I’m very leary about calling them back and giving them my current address as I do not have them to have another piece of the puzzle if this is a scam. It’s just that the lady not only sounded sympathetic but did give me good good advice in this case is the theft ID. but again if the debt was real and even if someone used my ID to get these loans the PayDay Loan companies had a current and active bank account that could have accessed.
reports, and at least, check your credit reports annually. You can also monitor your credit score for free using Credit.com’s free Credit Report Card. If it changes drastically, you’ll know to investigate further.
It starts like this: “Except for the ten to twelve million people who use them every year, just about everybody hates payday loans. Their detractors include many law professors, consumer advocates, members of the clergy, journalists, policymakers, and even the President! But is all the enmity justified? ”
Rob Coleman from the Huntington Agency is another SCAM. Will call your work home and even people with you SAME LAST name as yours and leave the same threatening message. Then when you call the number back, it has been disconnected. They will not send you ANYTHING in writing. will not give you their financial mailing address either .. VERY INTESTERSTING
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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.
Our online service is entirely free and works to find potential lenders in our network. Simply fill out our secure online form, then hit the SUBMIT button. If we find a possible lending, you will be presented with the next steps to complete your loan request. If you are offered with a loan, you will have the option to review the terms of the loan, which you may approve or decline. We encourage you to always read the terms of your loan thoroughly before accepting them, no matter where you get your loan.
t there, “he says.
No, debtors are not allowed to threaten you. The Consumer Financial Protection Bureau is now taking complaints about collection practices. You can file one here:
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
Tiffany – Phone numbers can be easily faked. And “a little convincing” is not good enough. What you need to know is whether they are a legitimate collection agency and you actually owe the debt. The first step is always to ask them to MAIL you information about the debt. That’s required by law. If they do not, then refuse to talk with them until they do. Do not accept email or anything less.
Cost of a payday loan. Many state laws set a maximum amount for payday loan fees ranging from $ 10 to $ 30 for every $ 100 borrowed. A typical two-week payday loan with $ 15 per $ 100 fee equates to an annual percentage rate (APR) of about 400 percent. By comparison, APRs on credit cards can range from about 12 percent to about 30 percent. In many states that allow payday lending, the cost of the loan, fees, and the maximum loan amount are capped.
Let me introduce myself. I am Senior Affidavit Processor Officer Alicia Fields from State Investigation Department. We have been trying to reach you since a couple of days about a serious matter about a lawsuit filed on your name that you are doing some fraud and criminal activities.
DUBNER: Well, here’s what it looks like, at least, the puzzle, which is that repeat rollovers – which represents a relatively small number of the borrowers and are a problem for those borrowers – but it sounds like though those repeat rollovers are the source of a lot of the lender’s profits. So, if you were to eliminate the big problem from the consumer’s side, would not that remove the profit from the lender’s side, maybe kill the industry?
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Please complain to your state attorney general and the Federal Trade Commission (FTC.gov). Your complaint will be entered into Consumer Sentinel, a shared database by law enforcement agencies. Be as specific as possible in your complaint.
‘S Eliana Johnson.
DeYoung, along with three co-authors, recently published an article about payday loans on Liberty Street Economics. That’s a blog run by the Federal Reserve Bank of New York. Another co-author, Donald Morgan, is Assistant Vice President at the New York Fed. The article is entitled “Reframing the Debate About Payday Lending.”
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