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lynette · Posted: Fri Sep 05, 2008 8:14 am Subject: Pay Day Loan

I received several calls yesterday from Ms. Spellman. I actually dealt with this same problem March 2008. At which time I paid them $364.90. Now almost 6 months later they call me back, claiming to be another law firm with the same name. They say the previous law firm did not collect all the fees I owed and that the case has been turned over to them. She states that Net.Cash made 3 deposits into my account @ $100 totaling $300 and that I am responsible for each deposit separately. Because of the 3 deposits, which were done back - to - back, all on the same day, I am being charged with 3 pay day loans instead of 1. The payment I made in March was to pay off 1 loan and partial payment of a second loan. She stated that she was currently speaking with the State to work something out for me because of the previous payment. After putting me on hold several times, she said they would not agree to anything and that the charges against me would the same as bank robbery. She then called back and asked me for $100 and said she was doing everything in her power to help me. She asked if knew how serious bank robbery is and how being charged with charges such as that could impact my life. Later I received a called from a gentleman in her office. Asking if I had spoke to her, I said yes and asked why. He said he only maked the calls and that she had noted anything in the system and apologized.
Is Ms. Spellman and her people legitimate or what?

Posted: Fri Sep 05, 2008 8:24 am Subject:

Wow....they're claiming you have committed a Federal Crime. It should be the FBI knocking on your door and not the local police. They wouldn't give you the courtesy of a phone call in advance though. Can you record these calls. I would and then forward that information to the FBI, your AG, their AG and the FTC. Does this person speak with a heavy Indian accent?

Lynette · Posted: Fri Sep 05, 2008 12:20 pm Subject:

No she doesn't speak with an accent. But get this, she called back again asking me about another loan. When I told her that I did not owe this company or anyone else. Hold on and let me speak with the State, she says. Come back to the phone and directs her conversation back to the previous loan. Unbelievable.

Posted: Sat Sep 06, 2008 12:13 pm Subject: Spellman & Roman 888-441-4001

You should tell them that you also have the state on the other line and would they like to have a 3 way call - LOL...I wouldn't even waste my time answering their telephone calls and I sure wouldn't pay them a dime...

I had a girl ask me for the California AG telephone number and I gladly gave it to her and told her exactly who she could speak with...never heard from her since..

lynette · Posted: Wed Sep 10, 2008 1:52 pm Subject: another phone call

Today I received another call giving me the Bank of America information. Only difference is today her name is Sydney Roman instead of Sydney Spellman. Does she change her name on a daily basis? She was so nice today. Explaining how she has held this for me, hoping I could take care of it. Is this woman legit or not? She claim to only be looking out for my interest. Did she really expect me to fall for what she was saying?

ec · Posted: Thu Sep 11, 2008 1:51 pm Subject: LawStudent79

Just a heads-up...many of you won't be surprised to learn that "LawStudent79" recently posted messages on 800Notes in defense of the SpellmanRoman/Bass/StatesPredisposition scam. Needless to say, it's someone who's affiliated with the scam.

Dusty C. · Posted: Thu Sep 18, 2008 1:40 pm Subject: Spellman & Roman scam artists

I received a phone call at work today threatening me and saying that if I didn't pay a final $250.00 on a payday loan (that I had learned my lesson on that was paid off in 2006) by midday that they would be sending somebody out to pick me up because I was a person of interest and I was going to get picked up by my counties Sheriff Dept. and questioned about said loan. This lady made it sound like she was working for my state and was trying to avoid me being locked up if I would settle this debt.. So she gave me a Bank of America account number for a Spellman & Roman Co. and I was to have the money placed in the bank by 12 noon and it was already 9 am or I would be picked up at my place of work. I instantly got scared knowing that I paid this loan off so I called around and even talked to a police officer friend of mine and I was told to calm down and forget about it that it was just a tactic these companies use to get their money in which federally it is Illegal for them to do. I then got back on the phone and called this lady back and asked her just who was she working for and she said don't worry about it that she was doing me a favor keeping my out of jail on bank fraud charges. So i told her my lawyer would be calling her whom i talked to prior and she got mad and said she was sending her people up to my county to pick me up so i told her to send them to the firehouse where i worked. I called my States attoney general and advised them what happened and he in turn gave me a number for the Maryland State debt Investigations so I called this lady and she took all my info and told me that it was against the law to give out pay day loans in Maryland and basically I could have cut the first payment off with my bank and kept the money since it was illegal in Maryland and there would be nothing they could do about it. So I was told that I was not to pay them back because they can't even prosecute their loss in a stae where it is illegal to give these loans. This lady in turn was turning all of my information over to the FBI.[/b]

Posted: Thu Sep 18, 2008 6:49 pm Subject: Spellman & Roman 888-441-4001

LOL...some people go to no lengths...what a bunch of crap...good for you for turning them in...

a nemesis of money · Posted: Thu Nov 27, 2008 4:04 pm Subject: spellman & roman = frauds

Some of you may like to know that this fraudulant company is still at it! They contacted me yesterday and said they had a pending warrant for my arrest that they would not send in IF I mailed them $600 before noon. I fell for their line and when I got to the agency (they told me to use) to forward the $, the cashier said she would not take any payments for "that" company and proceeded to give me detail on other scams they had heard of. On their suggestion, I completed an internet search, went to my bank and proved the said loan was in fact already paid off and then went to the police department. It is certain that these people really are scam artists BUT it appears they only grow back when shut down. TELL EVERYONE YOU KNOW!

Posted: Fri Nov 28, 2008 1:13 am Subject:

Wow! What a nice lady to refuse your payment. It is scary to wonder just how many times she saw this happen for her to immediately recognize it and give you all that information. You got -very- lucky...most people fall for it as they get very scared, thinking the things these fraudsters say is legit and they literally scare people into paying. You should report this to your AG, the police, anyone you can think of.

Guest · Posted: Mon Dec 01, 2008 2:02 pm Subject:

Wow, Spellman & Roman at their finest! Their scare tactics obviously work enough, to have a wire transfer worker be able to recognize them as a scamming company. Now that's what's scary!

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