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. .
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.
Funny thing is, they have a website but anyone can get a website these days. They are also listed in the BBB website with a C- rating. C- because of complaints. Their website domain is via GoDaddy. Now thats classy.
with a clear copy of your Driver’s License and Social Security Card with your sign on it to get it released. Fax number is 206-426-3556. Please give attention to Alicia Fields. Also write your name or your case file number. And also you can send me email if you have any questions or queries.
, unless you have to show up and prove it.
Please note: This is an expensive form of credit and is intended for short-term financial needs. Spotloans are designed to help you deal with emergencies such as rent, medical bills, car repairs, or expenses related to your job. Spotloans are not intended to solve long-term credit or other financial needs, and alternative forms of credit may be better for you, including borrowing from a friend or relative; using a credit card cash advance; taking out a personal loan; gold using a home equity loan or savings. Contact one of our relationship managers to discuss if a Spotloan is right for you.
for you to show up “. If they go to blatantly, they can use their own tactics against them.
I’ve been receiving phone calls from a person who claims to be an investigator and tells me there are charges pending against me for a payday loan from 2009. He gave me the name of a collection agency (Global) that I called and they told me the same thing I really took out a payday loan in 2009 from this “money and more” online company. The loan was repaid and I even faxed copies of the bank statements showing this back in 2009. They say the copies of these statements are not in my file. And this “INVESTIGATOR” well his phone does not accept incoming calls, and he wants me to give him my address to send me sealed documents! I did not give any of my information as I see it, if he found out my cell phone number, then he can find out my address. This man was very rude, very aggressive and very threatening. He continues to call my phone 4 & 5 times a day. I do not know how to get rid of these people. This man, I do not know his name or who he wors for, he gave me no information, only that there were charges against me and my state “bad check writing laws” would be against me as well, pending criminal charges … ..I which often have internet access … but i get my e-mail on my phone, so if anyone would like to e-mail me with helpful information it would be much appreciated. Thank You
Worse yet, she says, borrowers have almost no choice but to roll over their loans again and again, which jacks up the fees. In fact, rollovers, Standaert says, are an important part of the industry’s business model.
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.
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!
, 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 !!!
I recently received a call from Joe Banks. The number he was calling from showed as unknown. He left me a message that was not professional and went to call my mom and sister. The number he left for me to call was 877-230-6756 for ACS. I did not provide them any information and ask that my sister and mother do the same. I will not pay money to anyone unless they provide something in writing as proof of the debt is mine.
for a payday cash advance to be sure you are making an informed decision.
Sadly, these types of scammers are good at what they do and very convincing. They prey on consumers that are not aware of the rules and use scare tactics to convince them otherwise. You hit the nail on the head with this:
And if you are sued by a creditor or collection agency, they must serve you with a notice of the lawsuit (this is usually referred to as a “summons and complaint”). They sue you for the debt; “Filing with the clerk of court for fraud by deception,” is meaningless.
Applying online is easy with Check `n Go. You can access our online application anytime, anywhere and get your money as soon as the next business day, if approved. Funds are deposited directly into your checking account. If you prefer to apply in person, we have more than 160 stores throughout California. Visit the store, and one of our friendly friends will walk through the application process. If your loan is approved, you can receive your money before leaving the store.
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He said he worked for Morgan Lewis on behalf of Money & More. He had all my personal information, bank information, ssn, dob. He told me I had committed internet fraud by taking out a loan and not paying it back. I did not remember to take out a loan online & told him I did not remember to take out a loan on the internet. He then told me that he had email transactions and verification from my bank that the ACH withdrawal was declined twice so I had committed internet fraud and was going to jail. He then hung up on me.
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:
I did not give her my new address. I know the debt is not mine and sound bogus. As my bank representative pointed out it, if the debt was real I would have noticed either the money being withdrawn or would have seen a bunch overdrawn transactions. The Account was active until last week when I closed it. So he said the only way they do not get paid is if you withdraw all your money or you close the account the loan is linked to. So that’s what’s setting off some red flags that this may be scam.
You may be right that you have become a victim of a scam. We can not know if they will empty your accounts. Here’s a Credit.com article that will be useful to you in planning your next steps: How to Get Help if You’ve Been Scammed. Good luck to you.
DeYoung also argues that most payday borrowers know exactly what they’re getting into when they sign up; that they’re not unwitting and desperate people who are being preyed on. He points to a key piece of research by Ronald Mann; That’s another co-author on the New York Fed blog post.
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.
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