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 Posted: Tue Apr 03, 2007 4:09 pm |
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A CA, who has been harassing me at work and making illegal threats regarding my defaulted payday loan with Cashnet 500, faxed an employment verification request to my office today. It was to the attention of the Human Resources Director, who is actually located in another state, and the letter stated that this was a formal request to verify my employment. They want to verify whether I'm full or part-time, my position, pay rate, supervisor/manager's name, company name and address.
The letter was not signed, nor did it have anyone from the CA's name on it, with the exception of the cover letter, which listed the handwritten name of the jerk who has been calling me. Does my company have to comply with this request?
I have sent a debt validation and cease and desist letter via certified mail to this CA, which they should receive tomorrow. Any advice?
I will work out a payment arrangement on the legal amount I owe, but they claim I owe $570 on a $300 loan, and I paid two refinance fees of $90 before defaulting, made efforts to work something out with the pdl, disputed the balance with them, as did Hess Kennedy (if you can believe that), filed BBB & AG complaint against pdl.....nothing.
So what do I do now? This CA has unsatisfactory record on BBB site, and is listed in numerous forums as being extremely abusive and threatening to consumers. I'm sure they'll try something like trying to file a judgment or have my wages garnished. I even filed a complaint against this CA with the BBB, FTC and NJ AG, which is the state they are based in. Nothing has happened as a result of the complaints. No acknowledgment from AG or BBB, and FTC said they would keep the info.
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Tiffany99
Debt Samaritan
Joined: 15 Jun 2006
Posts: 1064
Debtcc Points: 19125
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| Posted: Tue Apr 03, 2007 4:18 pm |
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Well I am not completely positive on this, but I own a business, and myself I would not give any one ANY information like that unless I was legally required to do so, as in a legal document, not some fax. I have gotten calls from CA looking for an employee that we had fired - all I told them was that I could notgive them any information without authorization, and they stopped calling. Perhaps you could call your HR dept and ask them what they require to verify employment (you don't have to tell them the reason) This guy probably did that to scare you into paying
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dalfire497
Joined: 01 Feb 2007
Posts: 141
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cajunbulldog
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Joined: 20 Dec 2006
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| Posted: Tue Apr 03, 2007 4:55 pm |
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I was just reading the FDCPA, and their fax "ain't flying." My Human Resources Director is the biggest joke going, and if I were to ask her about employment verification, she'd probably have a nervous breakdown. So, I'm going to ignore the fax with respect to having someone give them the info they requested, and take your advice cajun, and keep collecting evidence. I saw that they've been sued before regarding FDCPA violations due to the wording of their collection letters, and the plaintiff won.
The CA in question is The Offices of Laurence A. Hecker, Attorney at Law, based in NJ.
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Tiffany99
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Joined: 15 Jun 2006
Posts: 1064
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| Posted: Tue Apr 03, 2007 5:47 pm |
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They can verify employment all they want...they cant garnish your wages without a judgement against you!
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Leah
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Joined: 04 Mar 2007
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| Posted: Tue Apr 03, 2007 9:26 pm |
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You know, the funniest thing I can think of when I hear about IPDL's doing this kind of stuff is this: what would they do if they got a verification form back stating, no, this person has never worked here, never heard of her, or something to that effect. I mean, they already loaned the money, right? They still need to work out a payment plan with you. IMHO, this is just a scare tactic.
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kscornell
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| Posted: Wed Apr 04, 2007 6:20 am |
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It's actually up to your company, and depends on their policy.
With my position, I get a lot of employment verification request. If it's just to verify whether or not they are, or were, employed with us, then I'll usually answer. Any other questions such as rate of pay, or start/end date I'll ask for a signed authorization or release form.
Those are, though, the typical questions creditors will ask.
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Teleport
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