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?
Do you think they are calling from overseas? If they are a legitimate agency then you can report and
I was just on creditkarma last night and woke up to a voicemail from someone telling me to call them back or it would result in a warrant for my arrest. They told me I had 1400 and they would settle for 700 they had my personal info including ss #. They said I had till 1pm this same day to pay. I called the courts in Illinois and they did not know anything about it. I called the company back and they were aggressive and yelled saying they were submitting it early now do not call us ever again. Now you will get arrested by cook county Illinois but I’m a Wisconsin resident.
Check ‘n Go (“we,” “our,” or “us”) provides a deferred deposit transaction. Deferred deposit transactions are subject to a finance charge based on the amount you borrow, the “amount financed.” The larger your amount financed is, the larger the finance charge will be. We offer reperred transactions in $ 5 amount-financing increments ranging from $ 50 to $ 255. The amount you have equals the sum of the amount financed and the finance charge. For example, if you get a $ 255 deferred deposit transaction, then the finance charge is $ 45 and the amount you owe would be $ 300 (ie, $ 255 $ 45).
If you have a chance to make sure that this is a legitimate collection, they are still violating many FDCPA laws and we will encourage you to consult with a lawyer lawyer. You may have a strong case against the collector. To find a lawyer lawyer in your area, http:
I received a call today from # 209-910-6390. Could not catch the name as he spoke very fast and with a deep accent. He claimed that he was calling on behalf of Cash Advance America USA that was suing me for $ 15,000 for a faulty payday loan of $ 2800.00. I let him give his little talk without interrupting and he told me that someone would be here Friday at 11:00 a.m. to take me to California for my court date on Monday at 11:00 a.m. Beware these guys are getting very crafty and make a lot of stuff that they say they believe. Please DO NOT believe these guys. I just told him thank you for the call and that I would be contacting the FBI about the call because I knew from the start that it was a scam !!! He just said go ahead and that somebody would be at my work tomorrow.
The script and said that it was no longer there because it was now a federal obligation to pay them. My favorite part of the call was to be the ending …. “You’re only 24 right, so you do not know a lot about this or how bad this will affect you in the long run.” I called the Sheriff’s office and District Attorney’s office and filed a claim. Even the sheriff’s office said that they have had people call them because they have had phone calls telling them that there is a
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 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.
I know you’re panicked about this, but do not be. Social Security payments are generally safe from creditors. (If you have a federally guaranteed loan your Social Security funds may be at risk but even then you will be notified in the phone and not from the phone call out of the blue.)
You are correct that you are required to give you the proof of the debt. Do you have a physical address for them? If so, you can write a letter and send it registered mail asking for written proof of the debt. If you are being taken to court, you will receive a “summary and complaint” by postal mail or delivered in person. It is a formal court document, not an email.
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
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.
That’s the real question Kristen. How do we stop them? If they are calling from overseas and flouting our laws, what can we do? I recommend that you file a complaint with your state attorney general, the Consumer Financial Protection Bureau (consumerfinance.gov) and the Better Business Bureau with as many details as possible, in case there is an investigation into this company. In the meantime, you may want to find out if your phone company offers a call screening service. It will cost a few bucks a month but may be useful.
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.
Edit: I’ve seen that the original debt is “real debt,” and while the original debt may be real, even if you’ve paid in full and can prove it, it gets resold over and over. Check out John Oliver’s story. His show is investigated and these are small-time debt collectors depending on fooling people in paying to avoid legal action that rarely, if ever, happens. He bought $ 14 million in medical debt for $ 60k and erased it for thousands of people being harassed for debts that had been paid.
Well today I got a new phone call from a firm firm stating that I was going to be charged with theft by deception of a financial institution if I did not pay, I said I was waiting on the papers to be served to me and I would be happy to address this matter in court. The lady
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.
If your bank (banking) returns a debit entry to your bank account, then you must pay an additional return item fee of $ 15. We charge you only one return item per poster transaction no matter how many times the bank repays an item.
The loan agreement is governed by the California Deferred Deposit Transaction Law. Lender is licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Questions or complaints should be directed to the California Department of Business Oversight.
actually be profitable, deliver the product. Now that’s, that’s not the only plank in the CFPB’s platform. They advocate limiting rollovers and cooling-off periods and the research does not indicate that in states where rollovers are limited, payday lenders have got around them by paying the loan off by refinancing. Just start a separate loan with a separate loan number, evading the regulation. Of course that’s a rule that was poorly written, if the payday lenders can evade it that easily.
We had a scam call today, they called about a supposed payday loan from 2008. They called me, my husband, my daughter and my daughter in law on our cell phones. We did not even know my girlfriend in 2008, at all. They have everyone’s social and home address, including my son’s new home address. Said my husband owes them $ 2500 and that she would get papers served at her home if we did not pay. I asked them what they would have been serving the papers, she said, hold on let me look, then she changed the subject and never answered. 1-855-201-8789 was the number they gave to call back but they first call you from a private number. Once I figured out I was dealing with scam, I started to call them back informing them that I had filed reports, recorded calls from them, I read them some scam warnings about themselves off the internet, … this is how I got rid of the last scammers, I just kept calling them reminding them of how I knew they were scam and reading them things off the internet about themselves and reading them the current rules they were breaking, etc … I did not cuss or get ugly, I was just matter of fact I’m curious though of how they got my son and daughter in law and phone numbers.
DeYOUNG: Borrowing money is like renting money. You have to use it for a few weeks. You could rent a car for two weeks, right? You get to use that car. Well, if you calculate the annual percentage rate on that car rental – that means that you divide the amount you pay on that car by the value of that automobile – you get similarly high rates. So this is not about interest. This is about short-term use of a product that’s been lent to you. This is just arithmetic.
Cream – do not respond or engage any further. A legitimate collector would not send all of this through email. We will also encourage you to file a formal complaint – of which you have several options – and you may even wish to forward the email in question to help investigate the fraud
Im glad you posted this, i just lost $ 150 to this [redacted]. So today I had a similar call about another payday loan i supposedly had taken out, but didnt. I will be blocking my debit card now, thank you for posting.
They are not calling
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 Consumer Financial Protection Bureau now accepts complaints about debt collection. You can submit your complaint here:
Advance America is sponsored by CFSA Best Practices and state laws concerning rescission, which allows you to rescind the transaction at no cost within a certain time period by returning the full amount of the advance. Contact your local Advance America store for state specific rescission policies.
DEYOUNG: If we take an objective look at the folks who use payday lending, what we find is that most users of the product are very satisfied with the product. Survey results show that almost 90 percent of the users of the product say that they are either somewhat satisfied or very satisfied with the product afterwards.
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.”
Do not give them access to your checking account, they will clean you out. Instead send in a check or MO by CMRRR. No offer letter, no check and get off the phone. They want money from you they will send it. And do not be intimidated by that favorite phrase of theirs that they will record “refusal to pay” against you. Big deal, bite my ankle. It means squat and has no legal standing at all.
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
The Credit.com team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We will not tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things related to money and finance we think are interesting and want to share.
DEYOUNG: I had written that paper, and had I know 100 percent of the facts about where the data came from and who paid for it – yes, I would have disclosed that. I do not think it’s one way or the other in terms of what the research found and what the paper says.
Hello I just recently about a week ago I started receiving a call from a collection agency TRADEMARK MANAGEMENT SOLUTIONS in relation to a payday loan that I have to pay on and YES I know that i have a bill but there are tats are freakin nuts … is what was on my answer service … This message is for XX. My name is Theresa Coleman. I’m calling about fax order that I received in my office today in relation to some bad checks you’ve written. You have a chance to contact the complainant and resolve this matter before further action is taken. The complainant may be reached at their corporate office number 877-285-3841and you can refer to your case number ###. XX you have officially been notified. ”
They are scammers calling from India with spoofed numbers to appear as though they are within US. Since they are out to get you, well you get them instead. Next time they call just loud air horn in the phone. They never dare call back. They are usually looking for someone to victimize easily and they get it that is not you.
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.
I got a call yesterday from a company called PDLR. This woman’s name was ms. ingram and she did not have an accent like a lot of the companies sited here. She said she was trying to settle a payday loan that I supposedly did not pay before they starte wage garnishments. She could not tell me who the original loan was with-said they were not a collection agency but that the original company did not send paerwork to me that was returned when I requested proof of the debt. The number they called from was 630-844-5678. Neither the company name or phone number popped up when i googled, but this is clearly a scam. I called back the number and the same person answered, but she did not identify a company. As far as I’m concerned, they can pound salt.
Hi I just received a call today from a company named Retrieval mediation phone # (614) 340-7363 claiming that I did online payday loan back in 2010. What I do not have my question has anyone heard of this company. The lady gave me a name Karry Watson but would not give me the address to the company
In your case it sounds so much like the rest of the scams others have shared here on this post so it’s wise to keep on guard. The next time they call, try to get as much contact information about the company – including address, contact phone, name, etc. – then ask them to please provide written documentation in the mail to validate the debt. As we have stated in previous posts, this is a standard procedure when dealing with any debt collector and by law, the collector must comply with this request. If they refuse, they are breaking the law under the Fair Debt Collection Practices Act and have no right to continue to try to collect. In fact, under the Fair Debt Collection Practices Act, if a collector contacts you by phone they have 5 days in which to send you formal written notice that you owe the debt. The notice must include the amount of the debt, the name of the creditor, and your right to dispute the debt, in writing, within 30 days of receipt of the notice.
I worked. I got all the information from the lady (who at the point was very nice and helpful). I then contacted my bank and requested bank statements for August and had no deposit from any other than my employer in my account. My bank told me it was a scam and not to worry about it. A couple of days later they called back for the money to avoid legal action. I told them I had bank statements
Next time they call them that you have told them to the authorities and that you would like to record the conversation. That’s very well stop them. If not, talk with your phone company to see if you can set up some kind of call block or call screening so they can not get through.
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told him he had been reported to the authorities and they were investigating. He yelled at me and said something to the effective having his “balls to my throat and how did I like that” then hung up. I have heard and more. I’m terrified to go to work. The numbers are a NJ number starting with a 973 area code and the company number starts with 646 (NY). Beware!
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