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 Posted: Wed Aug 13, 2008 5:09 am Subject: Who is LRA |
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I received an email from a person, in regards to my payday loan, and I was wondering if this is a legit company and if anyone has ever heard of them before, I am going to paste the email that I received and am hoping someone could help me in regards to this.
Thank you, Heidi
| Quote: | Your delinquent payday loan is scheduled to be turned over to our Legal office. Unless you call us now, there could be additional fees added to the account. I realize that you may be going through a difficult time but please know I am more than willing to try and help. If you call me soon enough I can stop any pending action against you. Your file# is 806084355. Please do not respond to this email unless it's to give me a different contact phone or inform me of when you will be calling me to work out any arrangements. My contact info is below.
Regards,
Bob
Bob Barry
LRA
6880 S. Yosemite Court, Suite 100
Centennial, CO 80112
866-520-1240 Toll Free Ext. 1659
303.800.1659 Direct
303.512.6100 Fax
rbarry (@) lighthousera.com
H.I.P.A.A., F.D.C.P.A., and F.C.R.A. NOTICE OF CONFIDENTIALITY
The information contained in this electronic message is from Lighthouse Recovery Associates, LLC. Information and/or file attachment(s) to this message are intended for the exclusive use of the addressee (s) and may contain confidential or privileged information belonging to the sender, which is protected by the attorney-client privilege. In addition, this communication may include information and/or file attachment(s) of which one or both may contain confidential medical and/or financial information for utilization by the specifically designated recipient(s) named above. Should you not be the recipient(s) named above and received this communication (e-mail) in error, notify us immediately by responding to this e-mail. This e-mail, if received in error, should be immediately deleted along with any attachments. State and Federal law potentially govern the content of this e-mail and any attachments.
Therefore, any unauthorized and willful disclosure, forwarding, copying, retention, printing, or distributing of this information received in error, in any format, through any vehicle of communication, whether electronic or non-electronic, regardless of intent, may constitute one or more violation(s) of State and/or Federal laws and thereby subject violators to stringent fines and penalties up to and including imprisonment. This statement has been issued to be in full compliance with all prescribed local, State, and Federal laws. When being sent to a consumer, this communication is from a debt collector and is an attempt to collect a debt and any information obtained will be used for that purpose. |
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Heidi34
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| Posted: Wed Aug 13, 2008 5:41 am Subject: |
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From what I could find...LRA is Lighthouse Recovery Associates is associated with MTE. Did you have a loan with MTE or one of the companies associated with it?
And...if it is an MTE company they are completely illegal. They are not licensed in any state to do business. The whole part about turning you over to their legal department is a threat to get you to pay.
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RoxyNY
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| Posted: Wed Aug 13, 2008 5:51 am Subject: LRA |
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No I have never had a loan with MTE, I have no clue as to who they are either...
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Heidi34
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| Posted: Wed Aug 13, 2008 5:57 am Subject: |
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Did you have a loan with any other pay day loan company?
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RoxyNY
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| Posted: Wed Aug 13, 2008 6:04 am Subject: |
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I checked the BBB web site and this company is accredidited through them....
here is what was on the BBB
| Quote: | BBB issues Reliability Reports on all businesses, whether or not they are BBB accredited. If a business is a BBB Accredited Business, it is stated in this report BBB Definition:
report - A summary of activity reflected in a company's BBB file. Includes basic business background, BBB Accreditation information, and BBB complaint activity over the previous three years. Also reports may include any known government actions, advertising issues or other information that results from activity conducted by the BBB.
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Name: Lighthouse Recovery Associates LLC
Phone: (303) 800-1660
Fax: (303) 512-6100
Address: 6880 S Yosemite Ct Ste 100
Centennial, CO 80112-1440
Website: www.lighthouserecovery(dot)justgoodbusiness(dot)biz
Original Business Start Date: July 2006
Principal: Mr. Scot McCune, Managing Member
Customer Contact: Mr. Scot McCune, Managing Member - smccune(at)lithousera.com
Email Address: smccune(at)ighthousera.com
Entity: Limited Liability Company
Incorporated: July 2006, CO
TOB Classification: collection agencies
BBB Accreditation: This organization is a BBB Accredited business. |
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RoxyNY
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| Posted: Wed Aug 13, 2008 6:10 am Subject: |
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Heidi, Since you received communication from them and you can not recognize this debt, I would send them a request for debt validation to find out what and who exactly they are "collecting" for. After you complete the letter, you can fax it to them but be sure to send it certified return receipt as well. Here is a link to a debt validation letter that is posted on this site.
http://www.debtconsolidationcare.com/settlement/about34520.html
And here are some FAQ's about debt validation. The information in this is really great and should help you with the process.
http://www.debtconsolidationcare.com/validation.html
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RoxyNY
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| Posted: Wed Aug 13, 2008 6:11 am Subject: reply |
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MTE,MNE have a slew of d/b/a's.chances are you have a loan with them and don't even know it.which company did you have a pdl with if you had one?
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paulmergel
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| Posted: Wed Aug 13, 2008 7:16 am Subject: LRA |
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I had a couple PDL with United Cash Loans, Sagamore, 500 Fast Cash, Rapid Cash Management, could one of these companies be using them, please let me know.
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Heidi34
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| Posted: Wed Aug 13, 2008 7:35 am Subject: |
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Heidi, it is possible since they seem to collect for pay day loans. Did you default on any of them? What state are you in? At this point since you are not sure, I would most certainly read the link I posted above and send them a request for debt validation.
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RoxyNY
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| Posted: Wed Aug 13, 2008 7:47 am Subject: |
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Just because they collect for MTE, doesn't mean they are associated with MTE. They are just a collection agency, they are not part of MTE.
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| Posted: Wed Aug 13, 2008 8:23 am Subject: LRS |
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I am in the state of PA, I paid more then I should have and it was all the fees only, the guy even called my cell phone today and his name is Bob Barry
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Heidi34
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| Posted: Wed Aug 13, 2008 8:29 am Subject: |
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I juse got the same exact email from the same person, however the company listed is BMG instead of LRA.
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starkitten1976
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| Posted: Wed Aug 13, 2008 8:38 am Subject: LRA |
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I live in the state of Pennsylvania, so is this place legit or are they just a front for another company.
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Heidi34
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