with a case # So I immediately called back and a lady answered as “United” and asked for my case #. I gave it to her and she said I owe for a PDL from Sept 2011 with ACE. I do not remember having a loan with them. I have had PDLs before and thought I’ve forgot about it. I Todd them I’m on maternity leave and have no income. Then she transferred me to her supervisor because she was monitoring the call and wanted to try and work something out with me. He asked if Ihad people I can borrow the money from because if it does not get paid I will go to court and be charged with fraud check. Scared the crap out of me! So he said I can pay $ 150 by Jan 25th and the rest by Feb 22. I asked why I never got anything in the mail. He asked if the address he had was right, it was an address that I moved out of in June 2011. So he said that’s why. He said I had to get the payment plan with a debit card. I was stupid and gave it to him. The last few days I’ve been thinking about it because I just did not remember this loan. Then I remembered that in AZ they have no real payday loans, they were outlawed in 2010. Now they give you a loan off your car registration or title. So if I defaulted then they would have come and taken my car. Also, IF you give them a check it has to be a voided check. So how can I have a bad check if they can not cash it being that it was voided? So … .does it sounds like my situation is also a scam? If so I probably need to cancel my card.
If you want time extension until Feb 3rd 2012, then you have to pay $ 150 as time extension charge, so in total you have to pay $ 907.62. Please provide card details for stopping your case file for time extension
, 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 !!!
Tricia, I get about 3 of those phone calls a week. Just ignore them and you will find about 10 more “final warnings”. They will stop calling you once they realize that their scare tactics are not working. If they were really going to serve you they would just do it rather than call you on the phone and tell you first. I was served a summon from bill collectors on two occasions and I did not have a warning call from any of them.
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.
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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Just received a call from 9206364434 saying I had committed bank fraud theft and a host of other charges and I was going to go to jail, very aggressive and could barely understand him. He did not understand the F word though.
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.
Has anyone got a call from statewide adr they keep calling my work and my dad house say they want to give me papers. Is this company for real or not i do not find anything on them. And i dont want to lose my job. Please help
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.
The decline of marriage is on us. But, at least, that’s what the zeitgeist would have
for you to show up “. If they go to blatantly, they can use their own tactics against them.
Tami – what’s wrong with me is talking about “bad checks” – not about the fact that you have a debt. This makes me think they’re going to tell you that you’re going to be arrested for checking fraud if you do not pay. Again, ask them to send you a written notice of the debt required by the federal law – the Fair Debt Collection Practices Act.
DUBNER: Well, Christopher, that defense sounds, at least to me, like pretty weak sauce. I mean, the university writing center does not have as much vested interest in the outcome of my writing as an industry group does for an academic paper about that industry, right?
the threats. Do not worry they’re all scam … The cops are still investigating … The cops contacted NCN guys .. (who were probably freaked out … lol) and these guys said they had nothing to do with the calls … Its just made up fake company name … and they are just making prank calls …
I had some guy call me today i said I’m calling to inform you that I’m filing or processing papers I’ve got for you an I’m supposed to inform you or talk with you before he files it to the king county court I do not have what I should do, I’m not working I have no money I do not have a last year someone tried to suing me for a payday loan that was from 207 or 08 what can they do?
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.
Advance America will work with you to establish payment arrangements. And we’re committed to collecting past due due in a professional, fair and lawful manner. We do not report to credit agencies.
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!
I had calls from Texas and the guy was just talking and talking and he would not let me talk so I said how to pay you, he said give me your debit card, so I said **** you, and he said The cops are going to come in 24 hours and I’m going to lose the case, so I said **** you again, think about what person is Arabic is named Michael brown
In November I went throught the same thing. A call on a cell phone form “Bill Paxton” A Mid-Eastern sounding man told me that a lawsuit had been filed in my nma and SS number over an on-line payday loan that I did not pay back. When I asked some probing questions like what the state and county tha law had been filed in what was the docket number. And when I asked for a written verification of the debt he became very upset and put me on the phone with his “supervisor” he informed me that an investigator would be sent to my home and place of work and that I would be arrested and could end up with 6 years in prison I told him to go fuck a PIG. He then said I was in a language I could not understand then hung up on me.
So I did call them back, spoke to a different person, to inform them that this is bogus and there is no record of any kind for any payday loan. I started to tell her what the bank associate told me about how payday loans work and if I or someone else did not take these loans there would be a try to collect on in through my bank account. She said she knows how they work and do not need me to explain it to her. She also told me that since they are only a mediation firm that is just looking for volunteer settlements of the debts they are not bound to the Fair Debt and Collections Act and said we are not going to force you to pay this back to our client.
I did, however, take out a payday loan from a company named Cash Web, who promptly sold my info to a company called Hydra Loans. Perfect name as they had dozens of other such businesses. They put money in my account, though I never saw a contract or signed a thing; not even a phone call I paid them back the principle immediately but they still tried to get money out of my account (not even on paydays though they claim I applied for the loan and spoke to someone on the phone to set it up). I had to close my account and open a new one to stop them. Now, years later I’ll get these calls or letters, but nothing will ever happen. I ignore them, but if I had the time and money, I would love to get them I to court.
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.
Your mother should be contacted both by phone and by postal mail. A collective agency that refuses to do that is not complying with federal law. In such cases, we recommend submitting a complaint to the Consumer Financial Protection Bureau. You can find more information about dealing with debt collectors here:
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.
Ok this is the second call I got the first one my sister in law answered and she was given a woman’s name and a phone number and case number …. Well just a couple of days ago they left a message that guy calledly named Peter Hersh said to call this number 1-866-583-6379 and left the name of ADR Firm and that it was my last chance to contact them before I got served but he said that the state of California was suing me … .Hmmm this did scare me because I did not know why would the state be suing me? Well I’m glad I googled and this came up. It sucks this happening to us. I just like to know what we can do? Is there somewhere we can report this to?
was surprised that I was not served. The guy said if I got served he could not help me. He said I wrote the check in 2007 and the client wants to take me to court for $ 5408 which is 4 years of interest. I think it’s a scam. I do not remember the name of the company. Is this most likely a scam? He only asked for my last 4 numbers of my Social security number ..
A woman named “Cindy” from “RA Associates” left a message on my voice mail saying that the call was about a debt and that if I did not contact them
Sorry to hear a scammer made your day so difficult, but we are relieved to do not send a moneygram. Those, along with prepaid cards, are popular ways for scammers to take advantage of scared consumers. But good for you for doing the research and figuring out it was a scam.
I received a call from Jonathan Andrews of Adams, Peterson and Irving stating I have a file placed with them that needs immediate attention. The caller said they would send the file to my county for prosecution. 844-580-7842 was the number on my caller ID … who has this experience? What was the result.
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.
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?
Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice a month. Again, this tool is completely free, and we mention that often in our articles, because we think it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com will not recommend a high-end platinum credit card that requires an excellent credit score You would probably be rejected, and that’s no good for you or credit.com. You would be more likely to get a product you need, there would be a wasted inquiry on your credit report, and Credit.com would not get paid. These are essentially what are commonly referred to as “targeted ads” in the world of the Internet. Despite all of this, even if you do not apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.
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I just got a call from a friend friend stating someone called me from an arbitration placeor something. She gave me the name and name of the person. Apparently they told my friend that I had to contact them before the end of business tomorrow or they are going to suspend my license and have money garnished from my checks. One big problem is a drive for a company so without my license I would not be working. This is threatening my job life and family. They were really rude. I did call the number and I left a message for them to call me back. I suspect this is a scam because I got married a little over a year ago. And they have my social security number and my name name and they called my friend. I suspect it is a scare tactic from a loan called security finance. But I did not hear from them since a month before I got married. I’m looking into this before I give them any info at all
1. I am a regular or resident member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, which does not specify a period of 30 days or less of a member of the Armed Forces on active duty. The member of the Armed Forces on active duty as described above is the member’s spouse, the member of the child under the age of eighteen years old, or a person for whom the member provided more than one half of his
An excellent experience through a harsh time in my life. The paralegals and Ms. Shank himself explained all details expertly and accommodated me the whole way. Friendly staff, fair fees. Definitely The attorney to head to for bankruptcy help in central Texas.
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.
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
It may seem inconceivable that a company could not make money collecting interest at a 36 percent annual clip. One reason it’s true is that default rates are high. A study in 2007 by two economists, Mark Flannery and Katherine Samolyk, found that defaults account for more than 20 percent of operating expenses at payday-loan stores. By comparison, loan losses in 2007 at small U.S. commercial banks accounted for only 3 percent of expenses, according to the Kansas City Fed. This is not surprising, given that payday lenders do not look carefully at the borrower’s income, expenses, or credit history to ensure that she can repay the loan: That underwriting process, the bedrock of conventional lending, would be ruinously expensive when applied to a $ 300, two-week loan. Instead, lending to the borrower’s checking account-but if that’s empty due to other withdrawals or overdrafts, it’s empty.
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