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Posted: Fri Jul 07, 2006 9:30 am Subject: United Pay Services

I received a call this morning from United Pay Services regarding a loan with E-Payday. The caller was stating that if Payment was not received today, legal action would be taken and I would be arrested at work for writng a worthless check. I called them back and asked for a faxed copy of a breakdown of all the charges incurred and was told that that could not be done until payment was received. I don't want to be arrested but I don't want to pay $500.00 in extra charges either for a loan that has been paid on time until last week when my bank started blocking ACH debits due to ongoing withdrawls. I am dealing with other PDL companies who have been OK with payment plans but this one is a little freaky. Do I pay the full amount? Has anyone else dealt with this collections company?

Posted: Fri Jul 07, 2006 10:01 am Subject:

The collection agency is required to validate the debt in writing. They can't escape from this federal law. They need to clearly identify the loan company for which they are collecting. Along with it, the total breakdown of the interest charges with the principal amount should be given on request. If they say, it is not required to give in writing, this means they are lying. Don't pay anything until the CA puts the facts properly. In the meantime, you can contact the original loan company and explain your problems while dealing with this CA. If they are willing to work with you, you can make direct payments to them.

Posted: Fri Jul 07, 2006 10:07 am Subject: United Pay Services

The original loan is with E-Payday. The website does not load completely and I have no phone number for them. Thank you for the feedback, I am attempting to dig out of a PDL nightmare...

Posted: Fri Jul 07, 2006 6:20 pm Subject:

United Pay Services also called me, they seem to threaten everyone, in which is illegal. Their tactics are the same as the ones of Prelitigations (United Federal Bank). I'm beginning to think that they are the same people. DO NOT give them anything until they validate the debt in writing. Or deal with the original creditor to make payment arrangements. I have looked for a number for E-Payday, but I have not had any luck yet. If I find anything I'll post it for you.

Posted: Mon Jul 10, 2006 7:42 am Subject: United Pay Services

I got another call from United this morning, I stated that since they were not willing to send me any documentation and since they are apparently not licensed to do business in WI. I was unwilling to work with them. I was transferred to three different people with the last one telling me to never call them again. I then called the original lender and am in the process of having my account removed from United and can make arrangements with E-Payday. Thanks for the assistance, We are on our way to paying off all our lenders.

MoneyTree · Posted: Mon Jul 24, 2006 1:33 pm Subject: United Pay Services

They are a scam! Several idiots, with thick accents trying to intimidate you into sending them money. They use the number: 732-231-6372 from New Jersey, state they are calling from Florida. If you have their pay day loan....KEEP IT!They are too stupid to collect it.

thollon

I am also dealing with this nightmare but my account came from arrowhead investments I only borrowed 200.00 but United Pay is now stating that I owe over $800.00 and by tommorrow I will owe at least 1600.00. Is this legal? I am in Ohio and I do plan on calling my attorney general's office, BBB, and also Federal trade commission, but they have talked to my supervisor at work, and I am afraid I am going to lose my job. Any advice??

Posted: Fri Jul 06, 2007 7:15 pm Subject:

Call a lawyer if they do file a criminal complaint for a hot check or theft by check. This should be a civil matter, breach of contract. Attempting to bring criminal charges for a check that is a promise to pay in the future should be a violation of the collection laws.

Posted: Tue Jul 10, 2007 5:32 am Subject:

Send them a debt validation letter along with a cease and desist letter. Remember to send the letters via certified mail with a return receipt. If they do not respond within 30 days of initial contact then they are not allowed to take any legal action against you. Cease and desist letter is the best option to stop the collection agencies making any telephonic contact at your home or at your place of employment. C&D letter is the best way to stop the collectors contact you over the phone. After they receive the letter they are supposed to make all the future communications in writing.

Guest · Posted: Fri Jul 20, 2007 7:43 pm Subject: United Pay Services

I received the same type of call today, and each time I hung up on the caller, they would call back with a stronger threat. I was told that I would be arrested at work or by the end of the day at my home in front of my children if I did not pay within 15 minutes. I had a good record with these folks, and had to close my checking account due to fraud on my checking account. As a previous writer stated, I could not find a phone number to call them and advise of the situation. The caller accused me of bank fraud even though I have a fraud case number on my bank account. I was so terrified of this man, my father agreed to pay the $800 for me. Isn't this kind of tactic illegal? And can anything be done?

Posted: Fri Jul 20, 2007 8:10 pm Subject:

I have dealt with these people. you need to file complaints with the Fl AG and your sates AG and DFI also with the FTC. I did. And once my state got involved they stopped calling also they like to call before 8am. So you need to nail them on that also. DO NOT send them any money. And most of all do not send them money through western union or money gram. Tell them NOT to call your employer, they really like to do that. They will even tell the person who answers the phone where you work that you will be arrested also. They will call them and you 20 million times a day. So when you get another call from them insist that you get something in writing and to further contact you through the mail, no more phone calls. They are out of Jacksonville FL, at least they have a so called office there, but they are located over seas. And they will tell you that they don't have to follow the laws here. Just google united pay services and read all of the previous posts about them. Try and get in contact with the original creditor to make payments with them but it mayt be too late because usually I-collect will buy defaulted payday loans and send them to united or some other places just like united. But they also go by the name of united processing. So if you file complaints make sure you add that d/b/a on the complaint.

mishmish · Posted: Thu Jul 26, 2007 5:58 pm Subject: Same thing has happened to me

I went to our local police department with this complaint, as they were harrasing me at my job and home. Same thing, going to jail, need to pay immediately. The police called them several times while I was sitting there, only to be called stupid, that they were not police, that police have 3 numbers in a badge number, not 2. Our local police department is calling the Federal Marshalls in on this one. They will soon be put out of commission!

Posted: Fri Jul 27, 2007 4:36 am Subject:

They told a cop that he was stupid and faking his badge #!! Boy they must want to go to jail badly! Laughing

MEKMEK57 · Posted: Wed Aug 08, 2007 9:36 am Subject: IT HAPPENED TO ME TOO.

SO IS THIS COMPANY LEGIT OR NOT?

what the heck · Posted: Wed Aug 08, 2007 11:14 am Subject: I was definitely harrassed

I got a call from United this morning. He was YELLING at me from the beginning while I'm at work. He said he'll send some police officers to arrest me. So I said I'll call you back since I'm at work and I can't talk in front of my coworkers. Then he yelled "did i give you permission to make demands?" "You can't do anything unless I tell you to". I was shocked. He said I had to pay $800 for a $300 loan outstanding or I'll get arrested today. Then he put me on hold while I did Western Union transaction online. Checking back every 2 minutes asking "are you done" I was terrified of this man. I asked to speak to someone else since all he did was yell at me but he said "do you think I want to talk to you? I just want you in jail" I made $400 payment today and my other $400 is due in couple days. Do I have to deal with these peopel and keep paying? Or can I get out of it somehow?

NEE NEE · Posted: Wed Aug 08, 2007 1:45 pm Subject:

We'll i received a call as well foe and oustanding balance as well so inned to know if this co i legit or what i think i will call a lawyer office and she what they say i have to make a payment as well of 590.00 it's set for friday the 10 but i want to put a stop payment on that as well can some one tell me what to do

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