I have been getting these calls for a few weeks now. THe had been calling my parents and my elderly father had not been telling me. Finally got the messages and called them. They told me I had a warrent out for me over payday loans which I had NEVER had. Told them to send info proving it and I was told I would have to make a payment arrangment first. Uh No.... Just realized they have called 8 times on my cell since Thursday. Gonna call the police tomorrow.
Just received threatening calls from "Robert Baxter" who changed his name to Richard during the phone call then hung up on me TWICE!!! Said my husband committed 2 felonies using check fraud and has a warrant.Lol. Block the number, or if you want a good laugh talk to them, they're so angry!!! Haha! Real collection companies are reasonable and actually have a websites! The real police know your real address, not an old one, which he had on file.
Some Payday Loan lenders will attempt to convince the borrower that the check they left is fraudulent, and the lender will file a fraud case. Borrowers should read this:
http://www.in.gov/dfi/FAQ_-_Check_fraud_.pdf
The important paragraph in that PDF is:
"... if the small lender knew, at time of receipt, that the account had insufficient funds, or that the check was postdated, the issuer has not committed the crime of Check Deception"
(Although that is a citation from Indiana law, the laws are similar in most states that permit payday loans)
Here is a citation from the Uniform Commercial Code (UCC), which is valid in ALL 50 states:
Section 3-104(2)(b) of the UCC, defines a check as “a draft drawn on a bank and payable on demand.” A postdated check, since it is not payable on demand, does not satisfy this demand. Consequently, it has generally been held by most states that the giving of a post-dated check does not constitute a present fraud nor is it within the scope of the bad check laws.
Yes, borrowers should pay their debts, but lenders must (by law) follow the correct procedures to collect those debts. A summary of the Fair Debt Collection Practices Act (FDCPA) is here:
http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act
More information,from the FCC, on loans and how to report debt collector violations:
http://www.consumer.ftc.gov/articles/0149-debt-collection
Recent news, stating the FTC DOES shut down these scammers!
http://800notes.com/forum/ta-a42dc4be97913e8/ ... ection-scammers
and
http://www.consumerfinance.gov/newsroom/cfpb- ... -cycle-of-debt/
Got same call and it's a SCAM. They said I need to take care of debt provide my attorney info. I told them to take my attorney info and they hung up on me lol. I called back and said that was unprofessional you hung up without taking my attorneys contact. They hung up again. I called back and the dude specially said "b!£ch your broke [***] ain't got no money" and hung up!! So they are a scam and Diamond D. Don't know what the heck they talking about. I even told them I will have the police and my attorney call them and they hung up again. If you that smart to come up with a scam like this then use ur brain to get a real job
This is (one of many) criminal extortion scams that have been going on for years. Many are operating overseas and out of the reach of US law enforcement, while others are operating within the confines of prison cells here in the US, using contraband cell phones. Others are using VOIP. Either way, they are able to disguise their identities and locations, making them next to impossible to prosecute. There is NO "company" or "debt" and you will NOT be arrested. They are harvesting victims' personal identifying information and you need to do whatever you can to protect yourself. This includes: Notifying the FTC: https://www.ftccomplaintassistant.gov/, placing fraud alerts with all three credit bureaus, notifying your bank and employer and letting these criminals know you are aware they are attempting to extort money for a non-existent debt and have alerted the authorities.
Just receive a call from the same person a Robert Baxter. I call back and lady answer phone by the name of amanda.. Stating that i felonies warrant under my name for a payday loan. She could not provide any information and said i will be pick up and i will have to bond out and she hung up on me.! I call back and foreigner ansewer the phone laughing and playing. This is a Scam !! i will block there number