On September 21, 2011 my ex-wife received a phone call on her cell phone from Adrian Taylor she's supposedly employed with Mediation Specialist. Ms. Taylor called from the following number 404-991-6877. She impersonated herself as an agent. And advised my ex-wife that her call was in reference to me as a defendant because some filed a case against me in Federal Courts for bank fraud and a warrant was issued for my arrest. However, the prosecutor did not find any bank fraud and turned the case over to Mediation Specialist. However, if I did not resolve the balance the arrest warrant would be activated. In addition to this I would have to appear in court, which would cost me $3000.00. And a judge would set up a payment plan for me, but I would have a Federal Felony Charge on my record. Upon speaking further with Ms. Taylor she conveyed that this matter was in reference to a payday cash advance loan taken out in the amount of $415 and it was not paid back in full and reporting it to the credit bureau had been exhausted. Ms. Taylor never provided me with the name of the cash advance store that I allegedly did not pay. She did state that the cash advance loan was in the amount of $415 and I had 24 to 48 hrs to pay $630 plus a $19.00 processing fee for a total of $649. The payment in full was demanded within 24-48 hrs with a Visa, MasterCard or Discover credit card to avoid being arrested, charged with a Federal Felony Charge and paying $3000.00 instead of $649.00.
However, after researching the number on the internet that Ms. Adrian Taylor called from it was discovered the number is located in Duluth, Georgia. I am alarmed about this company since 411 information did not have a listing for Mediation Specialists in the Atlanta and Duluth Georgia area. I have never received a bill from Mediation Specialist. And what alarms me the most is this company discussed this concern with my ex-wife and called her number instead of mines. We now feel that this call was a bogusl, so I am closing my bank account since I used poor judgment and provided Ms. Taylor with my Visa debit card number. I am not 100% sure if Media Specialist is a legitimate company and it is my introspection that Ms. Taylor is falsely impersonating herself as law enforcement official. And her colleague Upchurch who answers the phone on 404-991-6876.
On September 22, 2011, I made a request for this company to provide me with a physical address, P.O. Box #, letterhead with their company name, name of the cash advance company and bill reflecting the amount of the cash advance loan. My request was made over 30 mins ago and Ms. Adrian Taylor conveyed she was emailing me a copy of the bill. And I did not receive an email from her. However, she did provide me with the following P.O.Box 162955., Atlanta, Georgia 30321 and phone number 404-991-6860 ext 100. In addition to this she provided the following website address: www.MLACorp.net which belongs to some company Mauconduit & Luna.
Someone, who indentifies herself as Adrian Taylor, has placed dozens of calls to both my own number and that of my current employer. In several of those calls she has stated that a Bank/Check Fraud allegation has been entered against my name, and that I do have 24, 48, 72 hours to call that number (440-991-6877) – the number of hours to call her back, varies according to the day, or the name she decides to impersonate in any particular day, the name of the "company" she works for in any particular call, as well as the "title" she holds in any given call. She gives any number o phone numbers, that she claims are numbers of the company she represents – which could also be any number of "stealth" companies she alledgedly represents. She has called me or my employer countless times over the last several months, and almost every time she comes up with a diferent name, or title, or even an altogether different company. Anyone reading this should be aware that: It is illegal for any Debt collector, genuine or otherwise, to threaten anyone in any form, whether any monies are owed or not. It is also illegal for debt collectors to call you after you have told them, both verbally and in writing, not to call. Everyone out there should be extremely careful with the criminal activities of the 'fake Debt Collectors, who are constanly preying on unsuspecting individuals whom will, out of fear, engage them and agree to pay money without any regards as to whether the money is owed or not. In any event, this criminal activity is not the legal way to deal with any oustanding debt, and no one should have to put up with this – seemingly out of control – assalt on the the American consumer.
LETTERS ARE GIVEN AS A COURTESY. AND MOST DEBTORS ARE NOTIFIED BY MAIL AFTER 1ST 30 DAYS OF DEFAULT. THE LEGITAMACY OF A COMPANY IS ONLY IN QUESTION WHEN THE DEBT WAS NEVER TAKEN OUT. HOWEVER, IT DOES NOT NEGATE YOUR RESPONSIBILITY AS A DEBTOR. A COMPANY HELPS YOU OUT WHEN YOUR FAMILY OR FRIENDS CANNOT HELP AND THEN YOU DO NOT PAY THEM BACK. FURTHER, FIND "OTHER" REASONS AS TO WHY YOU DO NOT WANT TO PAY THEM BACK. LASTLY, GET UPSET WHEN SOMEBODY CALLS 2, 3, YEARS LATER.
The FDCPA requires debt collectors to do the following (among other requirements):
Identify themselves and notify the consumer, in every communication, that the communication is from a debt collector, and in the initial communication that any information obtained will be used to effect collection of the debt.
Give the name and address of the original creditor (company to which the debt was originally payable) upon the consumer's written request made within 30 days of receipt of the §1692g notice;
Notify the consumer of their right to dispute the debt(Section 805), in part or in full, with the debt collector. The 30-day "§1692g" notice is required to be sent by debt collectors within five days of the initial communication with the consumer, though in 2006 the definition of "initial communication" was amended to exclude "a formal pleading in a civil action" for purposes of triggering the §1692g notice,[24] complicating the matter where the debt collector is an attorney or law firm. The consumer's receipt of this notice starts the clock running on the 30-day right to demand verification of the debt from the debt collector.[13]
Provide verification of the debt[25] If a consumer sends a written dispute or request for verification within 30 days of receiving the §1692g notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Such asserted disputes must also be reported by the creditor to any credit bureau that reports the debt. Consumers may still dispute a debt verbally or after the thirty-day period has elapsed, but doing so waives the right to compel the debt collector to produce verification of the debt. Verification should include at a minimum the amount owed and the name and address of the original creditor.[13]
File a lawsuit in a proper venue If a debt collector chooses to file a lawsuit, it may only be in a place where the consumer lives or signed the contract[26] Note, however, that this does not prevent the debt collector from being sued in other venues for violating the Act, such as when the consumer moves outside the venue and a letter demanding payment is forwarded to the new address, even if the debt collector is unaware of such a change in residence.
EVERY LAST ONE OF THESE DEBTORS HAVE RECEIVED NOTIFICATIONS. WHETHER LIE AND SAY THEY DID NOT. ALOT OF THEM DO NOT FORWARD MAIL. NOR DO THEY OPEN MAIL.