I keep getting calls for this account that is being passed around to every scumbag collection agency out there. This time a woman was calling from (I think she said) MSI Processors. She stuttered when she said it. Either she is new and dumb or she is not used to her new script. The name is not important because they are all fly by night scam operations that change names, offices, business licenses, etc. as soon as they get caught.
Now, the account that keeps getting passed around is a fraudulent payday loan account that either was signed up for by someone who stole my identity or was never gotten in the first place. I have never in my life received a payday loan as I have never needed to. I don't even know how one would go about it. But I assume there are loan documents that need to be signed in order to receive them. I have asked every time I get called on this account for this documentation or any other proof of this account being mine. I have been told a full gamut of lies from "I don't have to provide proof to you" to "we sent the proof to the police, I'm just here to try and stop the criminal prosecution" to the original debt lender has it all and will release it when a payment has been made." All typical collection lies.
This particular morning I was very busy so I answered, told this woman that I was aware of the account she is trying to collect for, no one can provide me proof, until proof is provided I will not respond to anything, and then I promptly hung up. She called back, but I did not answer. She left a message saying that she had video of me presenting and ID card at an ACE Cash Express in order to receive a loan. And that she will proceed with a criminal charges.
So lets explore a few things.
Process Servers do not use the term "Investigator" when attempting to serve someone with a writ. And their job is CERTAINLY not to collect for companies. They simply serve papers. They usually don't even know what is being to served to most people when delivering documents. So when they claim they are simply process servers and they are going to serve you at your work in order to embarrass you simply tell them to "bring it".
Even if this was a legit account, which it is not, if I did pass a bad check there is a statute of limitations of 3 years from the date written on the check. I have been told by these collection agents that this account is anywhere from 6 to 8 years old. So there is no criminal threat to me, real or not. The threat of one is actually illegal on their side and they can be fined up to $1000 per incident of criminal threat. They would have to follow the laws of the state I would have committed the crime in at the time of the alleged event, which is Florida. They would also need to be licensed themselves in the State of Florida. Seeing as how they follow no other laws I am assuming they are not licensed to collect in this state.
Since they cannot provide me with the original check, or loan documentation, there is not real account to collect on. The burden of proof is on the company who is collecting to prove that the debt is legit, still allowed to be collected on, and must do so in a legal manner. When none of these criteria are met the person being harassed has no legal obligation to pay one dime to the company. Simply hang up and put their number on block.
Lady stated she was with MSI a debt collector for Pay Day Loans and my original loan was $500 and now it is $1,500 that if I don't give her my bank account information she would proceed with having me picked up by the US Marshals office for theft by check in 2011. She said she is giving me a chance to resolve this matter out of court and as an investigator she wanted to hear
my side of the story. She then stated she was going to have my drivers license suspended and take my truck for payment. She also proceeded to call my mother's house in another town.
Called my 83 year old father stating they needed to find me because they are an investigator in a case and that they need me because it's urgent. My dad called in tears because he was worried something happened. I am beyond PISSED. They ask for my previous name which that person doesn't exist so I simply say that no person by that name is here. I am in Texas and Texas is a no debt state. They cannot jail you for unpaid debt. the number is 210-888-0352 and the name is Logan.
Called and told me about a loan I owed that I forgot about, It was a legitimate loan, received paperwork, and Googled company..... everything was as she stated!!! Very nice female very helpful with providing documents!!!