Just had the same call as everyone else. They did email a letter very little info.
Good Afternoon,
Please see the attached document. This is your Settlement Agreement and you will want to retain a copy of this document and any further communications for your records. Thank you for your prompt attention.
http://i59.tinypic.com/15552f9.jpg
Legal Mediation Services, LLC
Main Office: 252-200-3779
Note: This document cannot be opened on all mobile devices due to its format.
CONFIDENTIALITY NOTE: This email message, including any and all attachments contains confidential information intended to be viewed, used or otherwise held possession of, by the addressed individual(s) or entity recipients of this communication, for which it was sent and intended for. If you are not the intended recipient of this message, or a duly authorized representative of the intended recipient, please notify the sender of this communication immediately, via email reply, followed promptly by DELETING THIS COMMUNICATION and all attachments contained within (if applicable), from any system files, including your in-box, or other folders or files. You are further advised that any disclosure, reproduction, forwarding or distribution, including but not limited to electronic means, or actions taken in reliance of information obtained in this communication, or attachments contained herein, is strictly prohibited.
**If you need any further assistance please contact your mediation counsel.**
Emails & phone calls are NOT considered to be official notification of a debt. That would be a written document showing original debt amount & company owed, the new company information, etc. (per the FDCPA) that is MAILED to you. Demand that - and the company has 5 days to comply. Expect excuses and possibly illegal, meaningless threats.
If you opened that link, run a virus/malware scan to be safe.
Washington, D.C.
December 07, 2010 FBI National Press Office
(202) 324-3691
— filed under: Press Release
The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.
According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.
The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.
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To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
For Extortion Scam Operations, File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..
And as always, NEVER pay anyone who refuses to mail - by USPS snail mail, not fax, email or text - that dunning letter which will state the name of the original creditor, the amount owed and the date of the loan. Refusal to mail this within five days of their call is a violation of the Federal Debt Collection Practices Act (FDCPA). http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
Called me saying I owe a payday loan and had my info sort of scary I just said delivery my court papers I'll be there she asked for address I would not give it to her I've never had a payday loan in 2011