h & p capital - are they making threatening calls?

Guest, seriously, you don't need to stress over their empty threats. Be sure to educate yourself on the fdcpa as well as your state laws regulating CA's, so you'll be armed when you call them back.

I would recommend recording every call, if you are able, you have with these jokers so you can sue them for violating the FDCPA. Be sure to file complaints with your state's Attorney General, the Florida Attorney General, and the FTC.

I guess they must still be having problems "weeding out" the employees that are still breaking the law at H & P Capital.

ron's right on all counts.so much for weeding out the bad employees.as far as the threats go.just hang upn them for now.being as they are in fl and illegal as all get and you are in MA i doubt they can do anything.that will be evidenced by there contiued calling.ask yourself if i'm going to be served why are they still calling?because they are illegal and should go the way of LMP very soon.get the complaints out asap.ron if you could provide the address please.

Ok so I think I found out that H & P are not licensed in MA for collection and the pay day services where I got the loan from in the first place is not licensed to provide loans in MA either. So should I just sit back and wait to see what happens

I just found out that H&P Capital is not licesed in Massachusetts at all and Payday loan services should not have provided a loan to a mass resident. Per their website Paydayservices.com it says loans are not available in mass but they gave one to me anyway. What do you think that I should do at this time

well file complaints with the MA and FL AG'S against H&P.then just file MA AG complaints against the pdl.that is what you should do my friend.

I received a call from these people today. I first spoke with Eric Lloyd (x276) and then Tracy White (who is supposed to be a supervisor x27. They were both very calm and nice. My call was similar to many others--i needed to make a payment before 3pm or else i would be served with papers at home and/or at work. I was told by both Tracy and Eric that to make a payment by credit card i would have to 1. send the money by moneygram, 2. send the money via western union, or 3. submit the payment to them by credit card. Tracy stated that i could make the moneygram or western union payments online and it would be cheaper than using the credit card because there was a $30 fee involved with using the credit card.

when i went to send the money with her online via moneygram, the receive code she gave me (676 could not be found. when i went to send her the money western union, the city code she gave me (HPJax, FL) also could not be found.

When i called her back and told her i could not send the money, she told me that the people at western union and moneygram did not know what they were talking about. She then advised me that if i wanted to submit the payment with a credit card she would need a copy of the front of the card, a copy of my drivers license, and a statement saying the following:

I, ___, give consent to H&P Capital to run my card in the amount of $____ for file #_____ on 1/30/09.

Signature________

She said i should do this for each person that i would be borrowing money from until it was paid in full. Once i had all of those documents, i was to fax it to: 904-672-7225.

This is when i got skeptical and did not call back. I live in NY. Is there a chance that the police will come to my house?

I also got this information off the Better Business Bureaus website:

Business Contact and ProfileBack To Top Name: H & P Capital, Inc.
Phone: (904) 672-1023
Address: 1919 Blanding Blvd Ste. # 14, Jacksonville, FL 32210
Google map Mapquest map Yahoo map
Business Category: collection agencies
BBB file opened: January 08, 2009
Primary Contact: Mr. Noel Pooler (President)
Complaint Contact: Mr. John Rougas (Complaint Manager)
Additional Locations and Phone NumbersBack To Top (904) 672-1024 (FAX)

The police will not come, you can't be arrested for a debt, YOU ARE ABOUT TO BE SCAMMED AND TAKEN TO THE CLEANERS BY THESE BUMS!!

I just got a call from a Spencer Gray regarding a valid debt that I do have. I was also advised that I only had until 5pm to pay or I would go to jail or be embarassed on my job. I attempted to make payment arrangement with Spencer Gray and he refused to do so, this would explain the hard sell tactics that they are using to make their commission. I have made payment arrangement with another collector with regard to a debt, so why wouldnt they be able to do so as well. This is illegal practice and I will be reporting them to the BBB as a result. I called back and also asked if they were previously the Legal Mediation Service and he just stuttered and said he did not know what I was talking about. Their address that he provided to me, not sure if correct, 1919 Blanding Blvd, Jacksonville FL, 32210

fine the debt is owed,but that doesn't mean it's owed to them.send DV and C&D letters to this bottomfeeder.send them certified mail return receipt.do not pay anyhting to any collector not just this one without something in writing.they cannot threaten arrest.that is my first sign of a scam or bottomfeeder.

Absolutely, if a CA calls and starts off with the high pressure and threats of arrest and embarrassment at work, you should be very weary of giving them a dime. If they flat out refuse to validate the debt, in writing, then you should not give them a dime. If they promise you a PIF letter or DV letter only after you make a payment, you MOST DEFINITELY SHOULD NOT give them a dime; you will never see these letters and you will be out your money.

Any reputable CA should have no problems with providing written verification of a debt or working out some sort of reasonable payment arrangement with you. They always demand the entire payment up front; however, don't seem to realize if you had the entire amount to pay, the two of you wouldn't be having the conversation in the first place.

Now would you?

The address is correct, you just forgot their suite number. It is, Suite #14.

I got the same "sputtering" response too, when I called them confronting them with the fact they are Il-Legal Mediation Mal-Practice with a shiny new wrapper. Just be sure to file complaints with your state's Attorney General's office, the Florida Attorney General's Office, and the Federal Trade Commission.

Filing complaint with these agencies is very important!

Coming on here and posting about your horrible experience with this company, along with reading other's posts about the illegal shenanigans might make you feel better; however, nothing is going to get done about these bozos until enough complaints get filed and someone takes notice.

I've done all the hell-raising I can with the Florida AG's office and Secretary of State about this company, so I've hit a wall. It's up to you guys to file those complaints!!!

So much for "weeding out" the bad employees, huh?

So, I took out a couple payday loans last year. Working with NRS is UTAH on a very reasonable repay plan. That will settle it.

But I got a call today from this company today. Went to VM. The lady was very short with me, saying it was urgent to return the call, and ended with the "good luck" line. Ok, Edward R. Murrow...thanks for that.

Anyway, I live in South Carolina. What can they do to me? Is this company licensed to make these kind of requests/demands to a SC resident?

I realize there is true debt out there to repay, but I am not even going to deal with these folks if they can'd disclose the origin of the debt.

newb,they are licensed period.they are the example of a bottomfeeding bunch of scumeaters.the address is somewhere in this thread.send DV and C&D letters asap.also file AG,and FTC complaints as well.do not talk to these people.a waste of time.

I just got a call from them too, they harassed me and were very rude. They said I have a deadline of 5PM today before they take legal action, and it was 5:30PM when they called. I told him, that sounds very suspicious to call me after the deadline. At first he also made it seem as if he was calling from a court. I asked him a few questions and said I need to speak to my attorney before I do anything or believe anything they say. He tried to convince me not to speak to an attorney, saying that I wouldn't have enough time because of the deadline. I then asked him to send me documentation regarding all of these accusations he was making against me and he refused. I spoke to a Mr. Stephens and after I started grilling him with questions, he hung up on me. I called back and asked to speak to his supervisor and he put me on with someone named Richard who said he was the director of the whole company. He ended up hanging up on me too, and I'm sure he was not the director. I am thinking of filing a class action lawsuit against them. If anyone is interested, please e-mail me at grosenstein@gmail.com.

How good of an actor are you? Next time CRY!! PLEASE DON'T HAVE ME ARRESTED!!!!!!!!!!!

When they ask for your account number tell them 666 and then that's it then tell them to rot in hell.

No they cannot. It is against the law. Hire a lawyer, if you need to go to Legal Aide. Tell them the situation. If you are working with PDL they are suppose to give you forms to take with you to court. This is just a scare tactic. They actually work for the Pay Day Loan People. What they are doing is illegal. Report them to the FTC- Federal Trade Commission.

If they persist and cost you your job, you can sew them.