****This is a fraudulent attempt to "collect" a debit. I do have a history of unresolved payday loans from my early 20's. So at first I thought this was legitimate. I received notification via email, and believe that I have blocked this phone number. Below is an email string with an odd email address from someone calling themselves "Judy Bowling". After requesting a phone number twice, they provided this phone number, but discreetly. Probably in hopes I wouldn’t have noticed.
The last email I sent was a request of validation of debit that is our right to request! I haven’t heard anything since.
Final Notice Inbox
Judy Bowling<
[email protected]> Fri, May 8, 2015 at 7:36 AM
Hi,
Dear : ********
SSN : xxxxxXXX
D.O.B. : xx/xx/xxxx
Drivers License# : ****************
Drivers State : XX
I.P. Address : 174.253.162.171
Bank Account# : *****************
Routing# : ****************
Client : PayDay One
Docket# : *******
Since you haven't responded us let me inform you that you are running short of time because the case is to be registered in the court by May 8th 2015 3:30 PM and will be executed in the court after 5 days.
According to affidavit -
Financial Crimes Investigation is pursuing to hold you in regards to six serious allegations which are under presumption of civil allegations.
1. Violation of federal banking regulation
2. Collateral check fraud
3. Breach of contract
4. Internet fraud
5. Theft by deception and
6. Violation of EFT that is Electronic Fund Transfer.
Now these allegations were produced from the fact that you were being monitored online as well as tracked down by the Internet Prevention and Detection Department (Internet Legal Research Group [I.L.R.G.]), using your email address in order to solicit funds from a website owned and operated by PayDay One.
The funds were successfully transferred into your bank account utilizing an interstate E.F.T. which stands for Electronic Fund Transfer, but when PayDay One tried to extract the funds back as repayment, there were 6 E.F.Ts returned, constituting a worthless electronic check and after several reminders, you did not bother to reply back.
So as of now rather than chasing you for money, PayDay One has decided to write off this money as loss and deemed it to be stolen as well as press charges against you for Financial Fraud and Theft by deception. Henceforth, under Section-9, Chapter-19 they have filed legal case on people like you and set up as an example to others who aren't willing to pay the money back.
This is also to inform you that as this loan was provided to you against your pay checks so my client PayDay One has all the rights and authorities to Email/ Fax this issue to your current employer about this case and to make sure they take strict actions against you. Consequently, your salary/wages will be garnished.
Also non repayment of loan will be reported by my client to the other 3 major credit bureaus causing severe damage to your credit score. (In addition, by
the time you decide to pay off your loans, lender rarely reports about the repayment to credit bureaus, if this happens, it will be difficult for you to qualify for other loans.)
With this I have briefed you up with the affidavit and done my part, now the best is up to you.
Sincerely,
Judy Bowling
Restitution Department
Note : This notice is provided to you on behalf of PayDay One Inc. and its parent company , and their respective family of companies including Cash Advance, its parent company, Cash America International, Inc., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the “Cash Advance Related Companies,” “we,” “our,” or “us”). The Cash Advance Related Companies include, but are not limited to: Cash Advance, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade names Cash Advance, 100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash, Money tree, Egg loans, Check cash Loan, Quick Payday, Personal Cash Advance, Rapid Cash, Sonic Payday, Speedy Cash, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loans, Cash Net 500,Cash Net USA, Allied Cash, Super Pawn, Check into Cash, Check Smart, Ez Money Cash America Net, Cash America, Cash America Pawn, Cash land, Super Pawn, Cash America Payday Advance, or any company-owned Mr. Payroll locations. “You” or “Your” means you as a participant in or as a user of the products and/or services offered by a Cash Advance Related Company.
Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.*
Copyright © 2006 FCI | Privacy | Terms of use
Reply | Reply to all | Forward | Print | Delete | Show original
> Fri, May 8, 2015 at 11:59 AM
To: Judy Bowling <
[email protected]>
Reply | Reply to all | Forward | Print | Delete | Show original
Hello Judy,
Is there contact information I can receive to resolve this issue? A phone number? An address?
I also would like a copy of signed documentation of this loan.
I am wanting to resolve the issue but You have not provided me with the tools to do so as of this date 5-8-15. Any help to guide us both to a successful resolution would be greatly appreciated.
Thank you
- Show quoted text -
Reply | Reply to all | Forward | Print | Delete | Show original
Judy Bowling<
[email protected]> Fri, May 8, 2015 at 1:46 PM
To:
Reply | Reply to all | Forward | Print | Delete | Show original
Hi,
This is in reference to your account with PayDay One Inc. which you took out from PayDay One and failed to repay them back.
This legal proceeding is issued on your Docket# with one of PayDay One Inc. company in order to notify you that after making calls to you on your phone number, we were not able to get a hold on you so now as on today's date accounts department of PayDay One has decided to mark this case as a flat refusal, take you inside the court house and press legal charges against you.
Now this means three things for you:
1. If you are on any state supervised probation or parole, we need you to inform your manager, superiors, and the officers and make them aware of what you have done in the past and what would be the consequences once the case has been registered and executed against your name.
2. If you have any prior convictions included but not limited to worthless electronic check, grand theft or money laundering, please be aware that they shall handle your case as that of a habitual offender as you might be well aware that your state is a zero tolerance state for Financial Fraud and Internet Fraud.
3. Lastly, you do have the right to have an attorney and if in case you do not have one or you can’t afford then one will be appointed to you from our end to represent your case in the courthouse and if the court finds you guilty then the total cost incurred to execute the case which is $ 9,583.67 will be levied upon you and this amount will exclude the attorney charges that was hired for you from our end and the due amount that you owe to our client which is $ 1,150.
In short you will end up by paying $ 9, 583.67 either by selling any of your personal assets or properties, along with you the other references which you used while making the transaction will also have to face the consequences.
Now, if you want to take care of this issue then you have to pay Out Of Court Restitution (O.O.C.R.) Amount that is $ 1,150, it includes the late payment charges, penalty charges, highest interest rate of the loan amount and the actual loan amount. Thereafter, all the charges will be removed from your name and we will release the clearance certificate from the court.
As we put your SSN into our National Checking Database System, we found that you have been never charged for any fraud activity hence I have personally evaluated your file and with my experience there is nothing here to suggest that this was done with any ill intent or malice.
Therefore, the nature of this notice is to determine whether there is a willingness on your part to resolve the matter voluntarily or if this is a flat refusal to resolve and a breach of verbal or written contract.
Now would you like to resolve this matter today or is this a flat refusal?
Thank you,
- Show quoted text -
Reply | Reply to all | Forward | Print | Delete | Show original
Fri, May 8, 2015 at 2:15 PM
To: Judy Bowling <
[email protected]>
Reply | Reply to all | Forward | Print | Delete | Show original
As previously stated I am wanting and willing to resolve. I am only requesting basic information about the loan. Can you provide this documentation?
I would to prefer to settle outside of court, of course. Is there a number that I can call to set up payment arrangements?
- Show quoted text -
Judy Bowling<
[email protected]> Mon, May 11, 2015 at 7:48 AM
To:
Reply | Reply to all | Forward | Print | Delete | Show original
Hi,
The factual basis for the complaint is that you agreed to return the funds from the aforementioned income advancement as per contract.
As per the agreement the funds are yet to be returned and the collateral has proven to be null that is to say of no value.
At present, we are seeking remedies for all funds to be returned as per terms of initial contract and for that you have to send us a promissory note to stop your case file temporarily out of court house so get back to us as soon as possible.
Also, we need your payment plan with specific date and amount to get an approval on it.
Thanks,
202 239 0094
- Show quoted text -
Reply | Reply to all | Forward | Print | Delete | Show original
Judy Bowling<
[email protected]> Tue, May 12, 2015 at 10:37 AM
To:
Reply | Reply to all | Forward | Print | Delete | Show original
Hi,
Kindly let me have you clear intention on this case so that I can put a remark on it and start the legal actions on your name.
Thanks,
- Show quoted text -
Tue, May 12, 2015 at 3:09 PM
To: Judy Bowling <
[email protected]>
Reply | Reply to all | Forward | Print | Delete | Show original
5/12/2015
Collection Agency: Judy (
[email protected]) has not identified the name of the agency they represent
Collection Agency Address: Judy (
[email protected]) has not identified the agency’s address or location
Re: Acct # **********
To Whom It May Concern,
I am sending this letter to you in response to a notice I received from you on 5/8/2015 via Email from
[email protected]. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
· What the money you say I owe is for;
· Explain and show me how you calculated what you say I owe;
· Provide me with copies of any papers that show I agreed to pay what you say I owe;
· Provide a verification or copy of any judgment if applicable;
· Identify the original creditor;
· Prove the Statute of Limitations has not expired on this account;
· Show me that you are licensed to collect in my state; and
· Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau's (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
· Violation of the Fair Credit Reporting Act
· Violation of the Fair Debt Collection Practices Act
· Defamation of Character
If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to my mailing address.
This is an attempt to correct your records; any information obtained shall be used for that purpose.
Best Regards,