I received a call on my cell and my work number, stating she was from the fraud division regarding a payday loan from PAYDAY LOAN YES and I was going to be arrested at work. Her name was Rosario Jones and she was very cruel. She stated that this was a fraud because I did not pay for this loan and defaulted on this in June of 2009. At that time, I tried to make payment arrangements with PayDay Yes and they would not accept anything except the full amount. Now they have sent this to many collections companies, all of which have threatened me. Can I now be arrested for defaulted payday loan? and I am positive that PAYDAY LOAN YES has written this debt off on their IRS tax returns for 2009 or 2010.
No! Even if it were a legitimate debt, you cannot be arrested. Debts are civil and not criminal matters. Tell them the next time they call you are reporting them to the Federal Trade Commission for harassment and hang up.
Ms. Rosario Jones called me today claiming that she was from the South Carolina Law Enforcement Department (SLED), and work with the Special Investigations Unit. She posed herself as a caring state worker who wanted to help me before she forwarded the file to the judge. She claimed that she cold see from my records that I was "GOOD" person and that she would hate for these charges to be filed on my for FELONY BANK FRAUD. I immediatel freaked out and asked her if there was anything she could do to stop this. I told her that I was not even sure this debt was mine because I have never received paperwork but at this point, I wnated it to go away. I did not want to ruin my reputation or career. She sound so empatethic and put me on hold to "speak to the law offic ethat was filing on me". She came back to the phone and told me that they agreed to allow me to pay $900.00 by noon and that would drop the charges. I called my husband because I was at work and asked him to take the funds to Money Gram as instructed by her with codes for a company called ACP. Thank God that he was thinking with a clear head. He slowed me down and told me to contact the courts in South Carolina and further investigate. I did so and come to find out that she is a scam and they had already received another report from an innocent victim who actually paid her and called the courts to see if the charges were dropped. I was so upset. She called me back at 12:16 pm to see why I had not sent the money to her. I told her she was a scam artist. She then proceeded to tell me that I was making a big mistake and see was going to file the paperwork because I missed m deadline. I spoke with the police department in South Carolina and the county where I live. They both assured me that no one would be arresting me and if she called back, to tell her to stop harrassing me. Unfortunately the police department is not able to do much because these scammers are so good at what they do. They spoof or spook the phone (not sure of the correct terminology) so the calls can't be traced and they use fake names. It is unfortunate because I was so scared and willing to pay. I had the money to do so. I feel bad for those who were just as scared but lacked the funds but paid anyway, even if it came from rent, bills or food budgets for their children. This is sad. BE AWARE.