I received a recorded call at work that said I had written a bad check and would be sent court papers at home or at work that day. The message then left 1888-786-0630 or 1888-390-5129 to call to try to settle or plan a payment plan. I got really scared and called the number. The lady said she was from Johnson York LLC and that they are middle man to recover past due payday loans. I do not think I owe this debt, but I was so shaken that I paid them $ 50, and set up a payment plan of $ 200 a month to pay a total of $ 960.00. She sent me an email receipt but it does not look legitimate to me. Their logo is weird, there is no address, and no website. She said it’s a loan with quick cash. I tried to google quick cash and nothing comes up. I do not want to keep them if this is a scam, and I guess the worst that could happen is to be served or have my check garnished? I just do not like the fact that they are calling my work place. Should I call them back and ask them for their address, business license and for the original paperwork for the debt? I’m not sure if this is a real collection agency. Please help!
For half a century, memories of the Holocaust limited anti-Semitism on the Continent. That period has ended-the recent fatal attacks in Paris and Copenhagen are just the latest examples of rising violence against the Jews. Renewed vitriol among right-wing fascists and new threats from radicalized Islamists have created a crisis, confronting Jews with an agonizing choice.
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.
I get them all the time too. Everything goes to voice mail If I do not know what I’m saying, I do not know what I’m saying.
I’m really scared. We got this phone call from this legal processing center accusing us the 2 charges with the state and both of them are felonies according to anyone who said on the phone. That we will be thrown to jail for 85 months if we do not take care of the money … It was for a check 570 and now all the fees added up to 970 and how our case was turned to the state that is why they they call us … that they can issue a warrant for arrest if we do not care of the money …
DUBNER: Wowzer. That does sound pretty damning – that the head of a research group funded by payday lenders is essentially ghostwriting parts of an academic paper that happens to reach pro-payday lending conclusions. Were you able to speak with Marc Fusaro, the author of the paper?
And yet it is surprisingly difficult to condemn the business wholesale. Emergency credit can be a lifeline, after all. And while stories about the payday-lending industry’s individual victims are horrible, the research on its effect at a more macro level is limited and very ambiguous. One study shows that payday lending makes local communities more resilient; another says it increases personal bankruptcies; and so on.
DeYOUNG: Right now, there are very little information about rollovers, the reasons for rollovers, and the effects of rollovers. And without academic research, the rule is going to be based on who shouts the loudest. And that’s a bad way to write law or regulation. That’s what I really worry about. If I could advocate a solution to this, it would be: identify the number of rollovers at which it has been revealed that the borrower is in trouble and is being irresponsible and this is the wrong product for them. At that point the payday lender does not flip the borrower into another loan, does not encourage the borrower to find another payday lender. At that point the lender’s main is then switched into a different product, a long term loan where he or she pays it a bit bit every month.
WINCY COLLINS: I advise everyone, “Do not even mess with those people. They are rip-offs “I would not go back again. I do not even like to walk across the street past it. That’s just how pissed I was, and so hurt.
On the critic side right now are the Center for Responsible Lending, who promotes 36 percent cap on payday lending, which we know puts the industry out of business. The CFPB’s proposed policy is to payday payers to collect more information at the point of contact that if avoided allows payday lenders to
The APR on a short-term loan can vary greatly depending on how the APR is calculated, the duration of the loan, loan incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR is not your finance charge and your finance will be disclosed later on, if applicable. See a See Representative Example
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?
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.
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.
I received an email saying there is a judgment against me for a payday loan from cash it had my social sec number and all these charges. I never took out a payday loan with these people I was suspended to call them yesterday but I did not check my e-mail until the next day. I know this is a scam because i google cash usa and find that some people have recieved the same e-mail. What can I do to prevent them from sending the same e-mail. I’m going to file a report
Other loan features can vary. For example, payday loans are often structured to be paid off in one lump-sum payment. Some state laws allow lenders to “rollover” or “renew” a loan when it becomes so that the consumer pays only the due due and the lender extends the due date of the loan. In some cases, payday loans may be structured so that they are refundable in installments over a longer period of time.
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.
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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
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.
California requires that all California customers have their most recent pay at the file with Check ‘n Go when receiving an installment loan. For online customers, please fax or email Check ‘n Go your latest pay stub when applying for timely processing of your loan.
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
DIANE STANDAERT: From the data we’ve seen, payday loans are disproportionately concentrated in African-American and Latino communities, and that African-American and Latino borrowers are disproportionately represented among the borrowing population.
The Consumer Financial Protection Bureau does not have the power to ban payday lending outright, or to set a nationwide interest-rate cap, but it can act to prevent deemed “unfair, abusive, or deceptive” practices. In March 2015, it announced that it was considered a set of rules for most small-dollar loans (up to $ 500) that consumers are required to repay within 45 days. The goal is to put an end to payday-lending debt traps.
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.
And this does not make sense: “They had a warrant for my arrest and ready to be sent to the sheriffs department in my county.” If they did not have a warrant for your arrest, why would they tell you that other than to try to shake you down for money? It would be smart for you to call your local sheriff’s department, explain what happened and ask them if you can file a police report.
FULMER: If you associate the cost of paying our rent to our local owners, paying our light bill and electrical fees, paying our other fees to local merchants who provide services to us, we operate on a relatively thin margin.
I got a call from some lady her name was emily clark stating that she was an investigator and that i owed ab payday loan from back on 2010 she was rude and treated me to report to my county so I can be arrested for check fraud to the payday finance intrance i fraked out because the time I was getting those kind of loans so I agreed to pay them when I asked about my options to pay they said that i owed them a total of 950 usd but it will settle for 600 or 3 payments of 300 when I took my option that said I had an hour to pay them to a cvs or waltmart and get a money graham and send it to the Company It really sounded fishy so I gave them excuses to not be I can not tell you what they’re doing.
Be aware that some payday lenders have threatened garnishment in order to get borrowers to pay, even though they do not have a court order or judgment. If that should happen, you may want to seek legal assistance.
DEYOUNG: Oh, I think that our history of usury laws is a direct result of our Judeo-Christian background. And even Islamic banking, which follows in the same tradition. But clearly interest on lent or borrowed money has, has been looked at non-objectively, let’s put it that way. So the shocking APR numbers if we apply them to rent a hotel or rent a car or lend your father’s gold watch or your mother’s silverware to the pawnbroker for a month, the APRs come out similar. So the shock from these numbers is, we recognize the shock here because we are used to calculate interest rates on loans but not interest rates on anything else. And it’s human nature to want to hear bad news and it’s, you know, the media understands this and so they report bad news more often than good news. We do not hear this. It’s like the houses that do not burn down and the stores that do not get robbed.
They are so far breaking the law. I have not received a written statement regarding the debt of these payday loans. and they have threatened dire consequences multiple times (number 5 in your article), they definitely call earlier
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.
The French philosopher Alain Finkielkraut, the son of Holocaust survivors, is an accomplished, even gifted, pessimist. To his disciples, he is Jewish Zola, accusing France’s well-thoughtful intellectual class of complicity in its own suicide. To his foes, he is a reactionary whose nostalgia for fairy tale French past is induced by an irrational fear of Muslims. Finkielkraut’s cast of mind is generally dark, but when we met in Paris in early January, two days after the Charlie Hebdo massacre, he was positively grim.
I fell for this, but I paid them because I had taken pdl out and I could not remember if I paid them. just last week they called again asking for money. When I went to send it westwest union it stopped you and I was able to get my money back. the number they call me from is 425-440-8053. I filled a report with the CSPD and got a number case. they told me if this man called back to give him the case number and the police number and have them call the local police station
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
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.
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
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