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sharinki · Posted: Thu Sep 21, 2006 11:59 am Subject: Universal Fidelity - What to expect?

Has anyone ever dealt with Universal Fidelity? I am really worried about this. I have a 2 year old debt with Sonic Payday for $1800 that has apparently just been turned over to Universal Fidelity for collection. I have received a letter from a Houston address and am getting calls from Dublin, Ohio. I have not yet spoken with anyone. Does anyone know if they will work out a payment plan, has anyone ever been taken to court by them. Just wondering if they will eventually send it to another agency, drop it, or really pursue a judgement. If anyone has had experience with this company I would appreciate your comments.
Thanks!

ras1814 · Posted: Thu Sep 21, 2006 12:04 pm Subject:

Hi...I owe sonic $2000 and I just received a letter from Universal Fidelity saying they have taken over the debt. I live in Columbus, OH and yes they have been calling me as well from the Dublin, OH location. They have never left me a message though, I know it's them because their number shows up on my caller ID. I'm not sure what to do either about this....I need the same advice you do. Is there any one who knows how far they will take this?

Posted: Thu Sep 21, 2006 12:42 pm Subject:

Sonic Payday is not licensed in most states in the US. They are in violation of many federal and state laws and have number of complaints filed with the legal authorities. Sonic Payday usually sends all their files to Universal Fidelity who is also famous for their illegal collections.

First check out in your state for the laws on payday loan lending. Confirm whether this business is legal in your state. Sonic will try by every possible means for a wage assignment to your payroll dept. Inform them about this so that they don't allow the debits from your account. Check out this link also. You will know more about their activities.

http://www.debtconsolidationcare.com/forums/about3377.html

Posted: Fri Sep 22, 2006 5:24 am Subject:

I am also dealing with Universal Fidelity right now. I have been paying off Sonic for a year and got one bill from Universal Fidelity saying that I owed $128 and another saying that I owed $791!! I told them the last time I called them that I needed some sort of validation and wasn't paying anything until I got it, since that is too big of a discrepancy...

sharinki · Posted: Mon Sep 25, 2006 1:37 pm Subject:

I am still wondering what to do! I live in Texas and I know that wage assignment is not an option here. Since Universal Fidelity is headquartered in Texas do you think they will take me to court. If so, how long would it be from the first call? I know I owe the debt to Sonic, but should I ask for validation anyway. I just do not have the money to pay it right now. I am drowning as it is.
Any more advice or comments?

Posted: Mon Sep 25, 2006 4:03 pm Subject:

sharinki, you must ask for a debt validation from Universal Fidelity if they are contacting you for this account. You have a debt with Sonic and perhaps, they have hired Universal Fidelity for collections. UF must be able to put the details of the debt in writing for your reviewing purpose and before making a payment.

sharinki · Posted: Wed Sep 27, 2006 5:47 am Subject: val. letter

Well, I just sent off my validation letter to Universal Fidelity. What should I expect now? I am so nervous.

Intx · Posted: Wed Sep 27, 2006 8:36 am Subject:

I owed money to Dillard's/GE Finance and they used Universal Fidelity. UF sent me a settlement offer which I accepted and paid off the amount in full.

Last week i received a letter from another collection agency saying that I owe Dillard's another $94.

I will dispute that, of course. But now my concern is if UF coordinates with its clients what it does.

Also, quite a few years back I had a hospital bill that I could not pay and it was sent to UF. Yes, I was able to arrange for payment plan with UF. One time they cahsed my check but the balance was not showing it. After a few months of faxing the copy of the check and talking to different people, the balance still stayed the same. I finally told them that I will not make another payment untill I am sure they are properly processed.

The debt was about $1000, and I never received another bill from them. So I don't know what happened.

All in all, I think they have quite mess at UF.

Deborah · Posted: Sun Oct 08, 2006 10:07 pm Subject:

How did you get them to send you a settlement offer? They gave me the "it has to be on the phone" line, and I'm supposed to authorize a post-dated check and *then* they'll fax or send a settlement offer. I'm supposed to let them debit an account and then for all I know they could "lose" the information and/or never get around to the written confirmation? How dumb do they think I am?

Donna Blomberg · Posted: Sun Mar 09, 2008 11:39 am Subject: universal fidelity

We have been recieving phone calls from Universal Fidelity For months. They don't leave any message , except it is important and to call this phone number. When we call the phone number we are put on hold. I don't intend to stay on hold when I don't even know what it is about. Is there any way we can find out in writing, what they want. My son does have student loans. nwdb@comcast.net

Posted: Sun Mar 09, 2008 2:21 pm Subject:

Welcome to the forum Mrs. Blomberg.

If you want to force their hand you could send them a written request that they no longer contact you by phone and use USPS only.

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