I did get a laugh out of the report that says the -cough- collectors said "look us up. It's 'Civil Arbitrators'".. Nice general/genaric name to look up that will bring pages upon pages of "civil arbitrators".
Served? Riiiiiiiiight.. And pull this leg, it plays Jingle Bells.
Hhhmm, NY state? Payday loans are 100% illegal in NY and those company's such as Western Sky ignored the law and got spanked, so did the agency's that attempted to collect on them.
Payday loans
http://www.paydayloaninfo.org/state-information
http://dfi.wa.gov/consumers/alerts/cash-advance-usa.htm
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://www.ftccomplaintassistant.gov/#&panel1-1
https://consumercomplaints.fcc.gov/hc/en-us
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.
Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html
https://www.ftc.gov/news-events/press-release ... rtners-announce
Follow the steps in what you need to know here:
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
https://www.consumer.ftc.gov/blog/dont-recognize-debt-heres-what-do
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350
Also see here:
http://800notes.com/arts/I2neMkbUAAo/where-to-report-phone-crime
https://www.westernunion.com/us/en/fraudaware ... and-answer.html
And see:
-- defendants --
Stark Law LLC, also doing business as Stark Recovery; Stark Legal LLC
Ashton Asset Management Inc.
CHM Capital Group LLC, also d/b/a Capital Harris Miller & Associates
HKM Funding Ltd.
Pacific Capital Holdings Inc., formerly known as Charles Hunter Miller & Associates Inc. and also d/b/a Pacific Capital
Hirsh Mohindra, also d/b/a Ashton Lending LLC; Gaurav Mohindra; and Preetesh Patel
http://800notes.com/forum/ta-e2b6ffe733efb98/ ... -area-operation
http://800notes.com/forum/ta-e2c17db13593f86/ ... and-illinois-ag
See Pissed offs post here:
http://800notes.com/forum/ta-c171a001df4494e-12/scam
http://6abc.com/archive/7806938/
http://dfi.wa.gov/consumers/alerts/cashnet-payday.htm
http://www.cashnetusa.com/consumer-notices
**************
Extortion Scam Related to Delinquent Payday Loans
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.
My processor broke and I haven't gotten around to getting a new one yet. Having someone show up at my door with a new one would be great. It would save me all that time checking out different brands and price shopping. :)