Bass & Associates 866-900-7694 Bank Fraud

This is for just me why dont you call the creditor you owe so they can just refer you to us so you can know who to pay. As far as the rest of the complaints i hear on here. Suppose you do borrow $200 and have to pay $260 back when you signed the contract to borrow the money you were not concerned with the interest you had to pay to get the money. You just needed the money now its time to pay it back and you want to find every reason in the book why you shouldnt. Do you think that is fair to the company that loaned you the money? Just cause you think you borrowed or owe $260 does not mean that is what you owe now after all the fees that have been placed on your account before it even came to us. Just think about that for a minute. We are here to help you. As far as an address to make payments monthly this is not a light or telephone bill we are talking about here. We are talking about money you borrowed. Did the client loan you the money you requested in monthly payments or did they give it to you in one drop?

just me-make sure that the debt is validated http://www.debtconsolidationcare.com/validation.html ,you are right making sure you owe these people money.There are some scams going on now that people are calling others saying they owe money,mail it to a po box,and they are long gone.Also send a cease and desist letter that no communication be made unless it is by mail.They can and will threaten anything,do not give out any bank info.,if you make payments,send them a money order or something without your name. Hope this helps,calm down and take a breath,we are here to help and support you,as well as your debt counselor ...Karen

NeverMindThat, I have never knowed of a payday loan company that helped anyone ........... Also if you are not illegal then why do you not want to give addresses? You sure want ours also our bank info and life history. Hope all the Attorney Generals band together and put these people out of business. KYSIDE38

If what these people are doing is so illegal, than why haven't they been caught.

Guest, They have been caught and they have been banned in several states. I can only have hope that the rest of the states join in this fight and get rid of these people forever. KYSIDE38

I already said to call our office to get the address, also we never asked for your bank information or life history, this is information you gave up to get money. Now how can you say you want all the attorney generals to get together and shut the companies down? So who will loan you money when you need it? I mean it is obvious you borrowed money otherwise you wouldnt be contacted right.

Hopefully legislation will someday be enforced to outlaw this type of interest on payday loans. To get these loans people do give out addresses, bank info etc. The difference is a legimate bank is not going to use this against you. Most of the people on this site pay their bills. Most have overpaid these vultures. I have posted before how can anyone justify 700 plus interest? If this was a normal bank they would work with you not call the abusive collection agencies, and they do abuse excessively. This site is helping a great deal of people. Good normal hard-working people. KYSIDE38

You are so right kyside. There is no reason for collection agencies to abuse the debtors they call. All they are worried about is their commission at the end of the month. If they don't collect, they can pay for their fancy toys. I have dealt with the worst and am so glad to be free of the bottom feeders. Thank goodness for the fdcpa. IF it wasn't for that, I would hate to imagine what would happen. The bottom feeding junk debt buyers give the few good collection agencies a very bad name.

You are right collection agencies should not abuse the people. However what do you consider abuse? When someone calls your job you get upset and when they call your house you get upset? A normal bank probably wont even approve you for a regular loan that is why you chose to get a payday loan.

You really want to know what I am caling abuse? First Credit of America threatened to have my kids taken away. Ellis Crosby called and stated that my husband was in jail and he wouldn't be released til I paid them $830.00 on a $200.00 pdl. I have been told to stand on a street corner and earn the money. I you would like proof of these calls, I would be more than happy to send you the tape recorded conversations and the police reports. But you will have to give me your address for Bass & Associates before I can send you the proof of abuse!

Tammy, I am there behind you. It's not that you need it for sure, but I will like to accompany you. Allow me

So, do you think you want to take advantage of this?

I am putting it in general..If I am explaining not to be called at work or home by you, I am also making arrangements to pay the debt and you are not willing to work with me? Why??? Don't want to get the money back?? Do you really have to sound hard? Something is better than nothing, dear. You work with us, we will work with you. During this period, it is not good to use rude or offensive collection tactics, (most CAs do)

Never Mind That, What is it your business if a regular bank would approve any of us or not? Just because you are a debt collector it does not give you the right to invade everybodys life. As I have stated before the majority of people on this site are hard-working people that want to pay their bills. Bad things happen to people, losing a job, illness, etc. Does that give the debt collector the right to do what was done to myself, Tammy and countless others? I think not!!!!! That is why there are laws to stop abuse... Its time that the debt collectors be brought to justice for not following the law. If we dont follow it we get locked up. What makes you all think you dont have to follow the law? KYSIDE38

Because they all think they are above the laws and violate them. Research tells me that companies are getting caught and they are getting severe fines and penalties or even shut down. Only problem is the ones that have been shut down, reopen under a different name and start the same tactics all over again. Learn the fdcpa bottom feeding collection agencies and maybe you will get farther.

Never Mind That: My problem with Bass and Associates is that they do threaten. I just got off the phone with them not more than an hour ago regarding a pdl. Yes I will admit that I owe the debt I know that I do but did any of them ever consider the extenuating circumstances that some people have. Take me for instance, my purse was stolen from me after I left work and was on my way to the parking garage. All of my bank information was in there (i.e. my debit/atm card and my check book). My back put a hold/freeze on my account for a certain period of time so nothing can be processed. Yet, Bass & Associates does not care about that. I did not intentionally default this was by NO fault of my own. What are you supposed to do when you are robbed? Now Bass and Associates is calling me and yes they do make threats that violate the fdcpa, I can prove it because I recorded the conversation. I was threatened by Bass & Associate with prosecution and losing my job (because I am not a trustworthy employee) if I did not pay this debt by 5:00 p.m. the same day they called. As I explained, what is a person supposed to do when they have a hold on their account. I offered to pay the entire amount but that it could not be done until the hold is taken off on august 31. They did not want to here it. So you can get off your high horse and just admit that your company makes threats.

The address for Bass and Associates if 17 E. 43rd Street, Jacksonville, FL 32208.

First off that is not our address that goes to some other company. Second off what do you consider a threat? We do not sit on a high horse we are here to do a job. But what is amazing is that almost 85% of the people that take these loans out always seems to have the same excuse "oh my purse was stolen, or there has been fraud on my account". If i had a dollar for everytime i heard that i would be rich. So it is not about threats. Also Erika i hope you informed the person you spoke to you were recording the conversation cause if you didnt then it is worth zero. So maybe you should have asked to speak to a manager to try to help you.