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I received a call on Monday from someone named Henry Jay from AS & Associates and he stated that he is a private investigator that works in the check fraud department. He said that National MoneyStore had turned my case over to them, and either I had to pay $722 immediately or get a criminal record. From reading the various posts on here, I know what he threatened was against the FDCPA. I just spoke with him again and since he hadn't heard from me, he was going ahead to files the check fraud charges against me. I live in Wisconsin. I had just printed out a cease and desist letter and a validation of debt letter, but now I am sure if these are even necessary, or if I need to send them to AS & Associates or National MoneyStore. I am very tempted just to send the letters and not even pay them because they called my work and were very rude to my sister. I just wanted to make sure that his claims have no validation because I have no criminal record, and I would like to keep it that way.

Posted: Fri Apr 27, 2007 9:11 am Subject:

Nope he is lying to you...I would file a complaint with the attorney general they cannot threaten you with check fraud

Posted: Fri Apr 27, 2007 9:15 am Subject: RE: AS & Associates

Should I still send out letters to AS & Associates AND the National MoneyStore at this point besides filing a complaint with AG?

Posted: Fri Apr 27, 2007 9:24 am Subject: AS

This is for a payday loan, correct? You didn't actually write a check that bounced?

Posted: Fri Apr 27, 2007 9:29 am Subject: RE: AS & Associates

Right this is for a payday loan, and an internet one at that. Everything was ACH debit.

Posted: Fri Apr 27, 2007 9:35 am Subject: As

I would send the letters to AS & associates, that way you are covered in case they try and sue.

Posted: Fri Apr 27, 2007 1:34 pm Subject:

Send the letters to the CA because you will be following the laws as an informed consumer. When the CA receives the letter, it is their responsibility to prove with the details of the account. If they still continue to call without validating the account, speak with an attorney to sue them on charges of violating the FDCPA.

Posted: Fri Apr 27, 2007 3:11 pm Subject:

is ag and associates located in jacksonville fl?

Posted: Wed May 30, 2007 4:52 pm Subject:

No, this is located in Texas. I sent the debt validation letter and cease and desist letter via certified mail, and no phone calls or letters.

Posted: Wed May 30, 2007 5:23 pm Subject:

Joshua-

I dealt with a "greg patton" from AS & Associates. He gave me the same speech about filing check fraud charges. I asked for validation of the debt and he faxed it to me a week later (wasnt valid) and called my place of employment and was very rude to me and told me that he was going to close this "investigation" the following day. I filed complaints and also sent a cease and desist letter to him. I have yet to get an accurate total. My pdl was from nation money store as well.

Posted: Wed May 30, 2007 6:35 pm Subject:

I was checking my bank statements to see what I had paid interest and rollover fees for a $350 loan. It turns out that I had paid $350 to them already. If I live in Wisconsin do you think I should send a letter requesting this be marked as paid in full or should I let sleeping dogs lie, since it's been a month now and not a peep from them. Nothing on my public records or credit report either.

Posted: Wed May 30, 2007 6:39 pm Subject:

Joshua, please, if you will, visit my site, and read the internet loan story and then click on the link on the right side, which is titled: Bass and Associates are crooks. You have come to the right place to get this nightmare dealt with. I, along with the numerous members here will help you out.