h & p capital - are they making threatening calls?

Dear Florida Ron I live in CTand I just recieved a call from them they got a hold of my sisters no and called her they did not say what they wanted but she found out what kind of company they were what are my rights please help

Your rights are that after initial contact with the consumer, they must send a dunning letter within 5 days of that phone call. After that, you have 30 days to dispute the debt they are collecting on. Send them a debt validation letter certified mail return receipt requested after you get their letter.

They are perfectly in the law calling your sister to look for you, as long as they do not mention they are collecting a debt and that you owe a debt. They also cannot say they are a debt collector.

they found my personal cell phn...that is not acceptable to me

A friend of mine was contacted by this company trying to reach me .I immediatly contacted them back and recorded the entire conversation lets just say not one thing they said was legal they violated every fdcpa law you can imagine ,To make a long story short they threatened to arrest me at work or home refused to provide any type of validation and desperatly tried to use scare tactics . well low and behold i work for an attorney, and i plan on pursuing these scumbags to every extent of the law. they are all fluff and no fill. I will definetly have my day in court ,but i will not be the defendant i will be the plaintiff.Dont let them scare you into anything they have no authority to make any type of threats, and you can suethem for damages yourself.AGAIN THEY CANT DO ANYTHING TO YOU LEGALLY WHATSOEVER.

Jackie6, follow P okerTramp's advice.

In theory, you should get a letter within 5 days of the initial telephone contact; however, I'm willing to be you never will. What I would do, is go ahead and send them a debt validation/partial cease and desist request. You can find the address in this same thread, just hunt back a few pages. I would also put in that DV/C&D letter that H & P Capital is not to contact you at work, or contact any third parties regarding you or this alleged debt without your written permission.

File complaints with your state's Attorney General's office, the Florida Attorney General's office, and the Federal Trade Commission.

Above all, do not fall for their threats or intimidation tactics! You cannot be arrested for owing a debt and not paying it back, for whatever reason.

i am glad i found this site. the goodluck through me off i was upset then i thought wait a minute if i was going to be arrested thehd serve me papers and id go to court. they called again yesterday left a vm apparently that was my "final warning". i cant wait to actually talk to these people seeing they only seem to call while im busy at work. im gonna have fun with them. im also a telemarketer but i do not collect debt i sale satelite but anywho i will talk them in circles if theyd call at a convienant time.

TX for your info, as I recently received threatening phone calls from HP Capitol. I was making payments on a small loan(less than 500) that was turned over to them. The caller Tim Hoffman stated that if the full amount was not paid that I would be arrested at work. Seeing how I am a police officer, this would no be good. I started to research the company, because they would hang-up on me, when asked who are you and what's your address. Any additional info about the company would be helpful.

No need to slap the cuffs on yourself. You cannot be arrested for defaulting on an unsecured debt.

My husband and I receive a call from H and P today. They stated that we own 600 somthing dollars and need to have it paid by monday or it will go somewhere. I didnt understand what they said. What should we do? we do not have 6 something to give these people. Should we hire a lawyer?

I also wanted to say I live in Missouri!

I too was contacted by H and P Capital.....same scenario....."seems this is your first time ever having any issues like this...avoid the embarassment by having the cops arrest you on your job Monday morning or at your home if payment isn't made by midnight Sunday."
Mr Powers at ext 239, went on by saying that he made a special trip to the office to call me and give me the chance to do the "RIGHT THING" but if I needed to contact him he would have all of his calls forwarded to his cell. NOT THE CASE. My brother and I called numerous times...never one return call.

This is what made the whole situation seem FRAUD....
He was extremely rude from the beginning....stated the last four digits of my SS#, my address (from my check), and my job (at the time I made the loan).....
If HandP Capital KNOW EVERYTHING...... they would know that the reason I couldn't refinance the loan for the third time was because I went from a job making 4000 a month to 1400 a month.
But during conversation, Mr. Jason Powers ext 239, stated he knew where my job was....and that the only thing there was the company I worked for and a farm. He only said that because when you google the location the name of the location sounds like it would be a farm. BUT it is NOT!
I thought he can't have me arrested he doesn't even have my address nor my job information.
Then he gave me a QUICK payment method of MONEY GRAM and if he is located in FLORIDA, why would he give me a code to send it to in my town?????
SOUNDS FRAUDULENT HUH????

Well it is now Monday morning....I am at work....not the job I had when I made the loan....and ofcourse not at the address listed on my checks.

I called Mr. Jason Powers at ext 239 at 8am this morning, he answered the phone claiming to be Mr. Adams, I asked to speak to Mr. Powers and he claimed he was him.
Then I told him that he was fraud and the reasons why. He tried to over talk me and couldn't answer any questions I had for him as far as the money gram was concerned or for not returning any of my many calls. All he did was speak over what I was saying in a demeaning tone.

I advised him not to call me any longer and told him that I would make the payment I owed...to the place where I made the loan in the first place.
I also went there saturday when all of this took place and they had no idea who H and P Capital was and advised me against making any payment to them.
My account was still in their system and that is where I will make my payment. I told Mr. Powers this and he was irrate...he insisted that I fax him the information to him once I have made payment because he still has the authority to have me arrested...
He has some NERVE!!!!
He called my brother back after my conversation with him this morning and threatened him as well. He told my brother all my information without verifying that was my brother at all and then told my brother to tell me that because my brother had a few choice words with him.....that Mr Powers would still have me arrested......

SOMETHING NEEDS TO BE DONE ABOUT THIS QUICKLY

we all make bad choices in life......I didnt expect not to be able to pay this loan off......as I have been able to before, but with the economy the way it is....the system is designed to make us go further in debt with these get money quick schemes. I will pay mine off. but that amount at one time.....I got the loan for the amount for a quick purpose...... doesnt seem to be the case when paying back...

MR POWERS....MR ADAMS....stop with your games....you will have to suffer the consequences

Good Afternoon
well today early in the morning from one of the people
of this company i got a phone call stating of my payday loan and they told me that i had to pay this today or if not they would take legal action and be coming to home or work so what do i do can they do that please help me!!

they can't have you arrested.debts are civil matters not criminal ones.use the address in the front part of this thread to send a DV and C&D letters.send them certified mail return receipt.

thanks paulmergel im sorry can you please tell me what those letters are ?

DV=debt validation.in short you are asking them to prove they have the right to collect on this debt.
C&D=cease&desist.you are basically telling them to stop calling and communicate by us mail only.

there are letters in the WATCH OUT FOR section on the bottom right hand side of your screen.

I received a call from H&P Capital on my cell phone, asking for someone who was not me. I told them they had the wrong number. They asked again. I replied YOU HAVE THE WRONG NUMBER. The guy on the line said YOU ARE VERY RUDE and hung up on me. I called the number back and told his supervisor how rude his employee was, and he told me that yes, I WAS RUDE and that his employee was the victim. HUH???
WHAT A BUNCH of A-HOLES!!!!!!!!