Oh and they said it was for a payday loan, the lender was American Credit Services. When I said I never got a payday loan, he said he did not care where the money went but stealing it if I do not pay it back.
called from 513-426-9470. claims that it is a private agency investigating me on fraud charge. Claims that 2 financial institutions are charging me fraud. I do not know what to do, just shuffle papers and talk a lot of crap about old debts that are unrelated. I thought I ticked him off when I kept asking for the names of the banks and who he was and where he is calling from. never would tell me. Hung up after telling me “good luck with my fraud charge”. This is such an obvious scam. If the county wanted me, they would have gotten me a long time ago. Thank goodness for Google!
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.
DUBNER: Hey Christopher. So, as I understand it, much of what you’ve learned about CCRF’s involvement in the payday research comes from a watchdog group called the Campaign for Accountability, or CFA? So, first off, tell us a bit more about them, and what their incentives may be.
The staff and Erin were great. I would recommend Erin to anyone. Compared to our other lawfirm she saved us 10’s of thousands of dollars on our bankruptcy Erin is the best we do not think we could have done without her.
I suppose you are just reporting this and not thinking about sending them money – at least I hope so! If you talk with them, send them a written notice of the debt by mail as required by law. But it sounds like it’s a scam and they will not.
ITS FAKE IF YOU HAVE SOCIAL SITES AND THEY CAN GET INFO FROM SITES AND PAY TO GET YOUR PERSONAL INFO THINGS ARE HACKED SUCK AS EMAILS THAT’S Y THERE IS SPAM JUST MAKE SURE YOUR MOM DO NOT GIVE THEM MONEY THAT’S ALL THEY WANT IF IT WAS REAL JUST ASK THEM TO SEND SOMETHING IN THE MAIL THEY ALWAYS SAY WE CANT WHICH IS A LIE IF THEY ARE A REAL COMPANY IF YOUR MOM SENT MONEY ALREADY TELL HER REQUEST A REFUND FROM THE PREPAID CARD COMPANY ASAP AND CALL LOCAL POLICE DEPT I HOPE THIS HELPS THE INTERNET CAN BE YOU BEST FRIEND OR YOUR WORST ENEMY GUD LUCK
This person called my job and blocked their number. He left me a message saying his name is Michael Hunter and that he is the senior locator for the processing and summons division for the state of Florida. He said I needed to contact my case worker, Mr. Moss immediately about 2 fraud charges against me for writing bad checks and that need to serve me with a warrant. I did not call them back and did google search on this and saw it’s some kind of a scam. They have also called my job, but we have a call center who would not put the call through. He said I needed to call 1-888-978-4319 extension 147 and that my case number is 431-923
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
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? ”
I am curious as to what the credit reporting companies plan to do about reporting these animals do! I can not buy a house right now because of a “loan” that I did not take that is being reported on my credit! This has to stop. They can not just mess with people like this. I had to hire an attorney!

Payday Advance Money Tree

http://uk-loan-market.co.uk/sitemap.xml
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. ”
in 1916 under the supervision of Arthur Ham, the first director of the Russell Sage Foundation’s Department of Remedial Loans. Ham recognized a key truth about small, short-term loans: They are expensive for lenders to make. His model law tried to promote short-term legal lending by capping rates at a high level of level-states determined their own ceilings, typically ranging from 36 to 42 percent per year-to enable lenders to turn a profit. This was very controversial, but many Americans still could not secure loans at that rate; their risk of default was deemed too great. Some of them eventually turned to the mob, which grew strong during the Prohibition.
On the other hand, this leaves about 40 percent of borrowers who were not good at predicting when they would pay the loan off. And Mann found a correlation between bad predictions and past payday loans.
You are not guilty of the lawsuit related to return return items if you default on this transaction. Consequently, we may not use or threaten to use criminal proceedings (e.g., criminal return item laws) to collect a defaulted transaction.
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)
ok heres how this works i did it for about a few years ago first off all the debt is real debt. Ok now heres where the rest becomes illegal to speak or at least walk that thin line in my eyes. its real debt that the people owed but for these companies by the time they got it its OVER the 7 year statute of limitations for collections so they hit hard and fast before you catch on. now when you call john or mary lets say they have professional closers who guess what are now john or mary each one of us gets our list of people going to call and get my company buys by the bAZILLION from the credit card companies medical collection agencies etc for pennies the month i worked there they had a million $$$ month so theres a lot of uninformed people out there. anyways we get their debt info then credit report etc and we search them before we call had my own code to run backgrounds reverse phone etc that way we sound legit we then spoof your sheriff or court house number threaten jail and arrest at your work etc unless you call john or mary since we are all either john or mary they never know for pay for us we had a number like john 1 john 2 or mary 1 mary 2 etc. i can go on and on the gist lol my conscience got the best of me i had to quit p.s. if this happens again just laugh at them and ask them what time breakfast you need a vacation and club med was booked solid so jail will do lol theyll move to the next victim they just keep hounding and bullying if you look weak and they think youll pay. good luck
This morning I received a call, and my father did as well, from 716-244-6551. I was given a number ID. I do not answer unknown numbers. I call back after hearing a voice mail. My dad told me that they issued a warrant for my arrest in Bexar County. I called them back because the voicemail they left was basically stating the same thing.
Please do not panic. You can not be arrested because you can not pay this debt. If they call again, you can not reply until they send something in writing on their letterhead by mail (not email!). That’s your right under federal law. (A warrant for check fraud is a sign you are dealing with a scammer. That’s not check fraud
The same number has been harrassing my work place for the past two days. The breifly talked to him and told him that I would call him back after work hours. But no one answers. Now he’s talking to almost everyone here at my work claiming that they are cussing at him. I already told him to stop calling me work. That’s pissing me off, I do not know what else to do!
I received an email from a law enforcement officer. He claimed that I have a cash advance Inc. money and that they were getting ready to take legal action against me. The seal on the email said 712th non court court court. They were expecting a reply from me so I gave them one.
You will want to monitor your credit carefully
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
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?
At no point during this aggressive voice mail did he identify his company or any affiliation to another company
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.
You can do all of us should do – check your credit reports and scores regularly. Given the number of data people are required to give Social Security numbers, we are all at some risk. We wrote about somewhat similar situation here: Help! Someone Is Using My Social Security Number
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
DUBNER: Now, Bob, the blog post is a pop version of a meta-study, which rolls up other research on different pieces of the issue. I’m sorry that the studies that you cite in the post are not just the biased rantings of some ultra-right-wing pro-market-at-all-cost lunatics. And I realize that at least one of the primary studies was authored by yourself, so I guess I’m asking you to prove that you are not an ultra-right-wing pro-market-at-all-cost lunatic.
Just got a call from a place called themselves Capital Services. A bit aggressive, had my information, what banking bank has and social security number. I run my credit reports every year. These people said they were representing SJM Marketing for a payday loan I took out in 2009 and was defaulted. I have not seen any such place on my reports. They had my address, but not the one I was living in at the time. They had my wife’s new email address, that she did not have at the time. Their number is 646-354-2096.
IT WAS A SCAM !!!!
I was called yesterday and the call said that my payday loan was in default. If I did not pay the amount they would send me to court. Can i go to jail !? They kept using the term “financial fraud” which freaked me out! I did not pay the amount yesterday so they said I would get served today. What’s going to happen? Can I get I jail for this !?
To repay the loan, you will usually have a post-dated check for the full balance, including the fee, or you provide the lender with the authorization to electronically debit the funds from your bank, credit union or prepaid card account. If you do not repay the loan on or before the due date, the lender can cash the check or electronically withdraw money from your account.
Counselors and Lawyers with Nationwide business operations. They called me multiple times alleging that my mother owed a $ 2,000 debt for writing bad checks. They said that the party wanted to prosecute and provided a fake address and social security number that was supposedly my mother’s. They did not provide any website, no bar number and
I also received a call from this fraud investigator but he named her morgan and she worked for the commonwealth of pa. Yeah right. He also said my debt was from 2008 from money and more and threatened me with 5 or 6 bogus charges. But what did you think I was looking for? My name was bc he knew unfortunately I have a misdemeanor record and tried to use that against me from when I was 18. These people really scare you into thinking you owe. The first time he called I got a payment about a year ago. Different person had called. It was a prepaid card thank God not my bank that I do not have the bank acct they reference anymore. I also live in pa and when I told him I knew it was a scam He said he could not wait to see me prosecuted. Nolegit company would talk like this. And the statute of limitation on debt is 4 years in fraud 2years my supposed loan was in 2008. As well as you tell them you know it’s a scam they flip. He told me I was gonna need a good attorney etc. If such charges were to be brought against someone I’m sure they would not wait 5 years. Still scared you when they call because you see what they are threatening to do to people. Do not understand how this happens to so many.
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.
Except to the extent of the federal Truth-In-Lending Act considers your ACH authorization “security” for the deferred deposit transaction, we take no collateral to secure the transaction. For example, we do not take a security interest in any real estate or personal property item.
6pm rcvd calls repeatedly from Michael Moore of “Fraud Office” trying to collect a debt from November 2008, which I’m sure I do not have to Money and More. Alledges, to Jasmine Wright and Maria Sanches that I have commited fraud and a warrant would be issued for my arrest if I do not send $ 1107.15 thru Money Gram and am harrased to send it immediately or expect to be arrested by 8am the next day . After several calls from my attorney to the # 5133994987, left messages, etc., no calls for a few hours now.
thank you Geri this makes my mind at ease even though deep down inside i thought i was right .. i know i owe them the money .. thank you so much i wish other ppl would research this so they do not get scamed. .
Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you are interested in sharing them. Please email us at story ideas [at] credit [dot] com with comments or visit us on Facebook or Twitter.
So we are left with at least two questions, I guess. Number one: How well is the one of the payday-loan research we’ve been telling you about today, pro or con? And number two: How do we have any academic research?
MANN: If your first is that none of the people using this product would do it if they really understood what was going on – well, that just does not seem to
the phone, because I had not received any correspondence from the company. He told me it was not their responsibility to chase me down to collect a debt, that it was my responsibility to take care of it myself. As their lawyer, I could pay him and it would all go away. I said no, and he hung up on me, laughing, quite rudely, stating, “Have fun rotting in prison.”
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 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.
For a while now, we’ve been getting complaints from Credit.com readers about fake payday loan debt collectors. I’m not surprised when I read the announcement this week by Illinois Attorney General Lisa Madigan warns Illinois residents to “be on the alert for scam artists posing as collectors of payday loan debt. The scammers call consumers and threaten them with legal action unless the victims authorize payments from their bank accounts. “Her office has received many complaints.

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