Another bottom feeder claiming to have a file in your name and have you or your legal counsel contact us immediately, blah,blah,blah. Change the script already
Another bottom feeder claiming to have a file in your name and have you or your legal counsel contact us immediately, blah,blah,blah. Change the script already
I got a call from them. They said I owe them money from a payday loan from 6 years ago. Did you actually talk to someone. They gave me a company name Legal One Mediations/
A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed - US Mail ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via Green Dot, MoneyGram, Western Union, prepaid gift card or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
I am having the same problem. Endless phone calls saying they are trying to serve me with court papers because I got a pay day loan and never paid it back. This is the number 224-215-0146 ..Ermm hello, just because I tried to apply for a pay day loan online doesn't mean I got one! Apparently this is the same company that have been harassing me for years but with different numbers. I think it is also the same company that diddled my bank account taking little bits out of a time. It seems somehow when ppl try to get online loans(since we have to give out our bank account details) that is probably how these vultures get our contact number and bank details. But I was smart enough to notice the few cents missing here and there, googled the name of the company that was leeching from me and found thousands of other people having money go missing from there bank accounts. Very minute amounts but think if this company takes 25 cents here, 25 cents there etc out of thousands of accounts what they would be making from it. I only started to get threatening phone calls the moment I changed my account information at the bank after filing a police report etc. I guess these horrid people contact you to force you into giving out our bank info again so they can start doing the thieving again. Nasty fooking people. I hope they get investigated and caught. They seem to call for a bit then leave you alone for a few months then start up again. I am sick of the threats about police showing up on my doorstep and being taken to court for something I have no clue about. For one, police won't show up on your door step over a pay day loan. I already spoke to a police man friend about this. Says the same thing. Just keep reporting them or file a police report. Cept they tend to move on, change their phone number and start the harassment again a year later.
said I owed on a payday loan from 2012. Said I wrote a bad check. Sick people- get a real job! When I hung up on them they called back on another number!