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Does anyone know who these people are? They just called my work number and asked to speak to the comptroller or the owner for a financial investigation. All I could get was their name and they would not give me any other information other than it was a financial investigation.

Posted: Tue Feb 20, 2007 8:47 am Subject:

I did try to Google them and could not find out anything.

Posted: Tue Feb 20, 2007 9:29 am Subject:

OK, I found them and they are not even in the united States!! They are debt collectors and they do have a website, but what type of jurisdiction would they have here, especially considering in NC PDL's are not legal?

Post:
J & S Associates
P.O. Box 26300
Glasgow
G76 0YE

Telephone:
01355 303 828

Fax:
01355 303 833

E-mail:

My guess is that they are not listed to do business here in NC.

Posted: Tue Feb 20, 2007 12:35 pm Subject:

http://www.sosnc.com/

Posted: Tue Feb 20, 2007 4:14 pm Subject:

I found a Joseph, Steven, & Associates in Ventura CA. So these may be the people that called. I have been looking and cannot find whether or not they are licensed in NC or not. Just from reading about them on their web site, they sound kind of scarey! I am not even sure where I need to be looking. I have been searching for the past 45 minutes and cannot find anything. HELP!!

Posted: Tue Feb 20, 2007 4:46 pm Subject:

I am now in new territory with this. It is either Midland Marketing or United Cash Loans that these people are calling about, but I cannot get any information other than their name and demanding to speak to the owner or comptroller. With PDL's not legal, if I am understanding things correctly, there really isn't too much a collection agency can do, correct? Just trying to get my ducks in a row. Checked them out with the BBB and it says the companies business is commercial and consumer collection, primarily business (all sizes) and investigates for clients, commercial investigator. With that being said, it also says there is no license #, Licensing agency, or status and they do not know of no licensing or registration requirement for companies engaged in this company's stated type of business. They have had 49 complaints in the past 36 months, but it says the company gave proper consideration to the complaints. Not sure exactly how I am suppose to handle this if/when they contact me or my company again. I mean, I could tell them about PDL's being illegal in NC and that I have already paid over the amount allowed, but not sure how that will affect anything.

Posted: Wed Feb 21, 2007 10:00 am Subject:

You need to write the NC Attorney General and file a complaint. I did, and it stopped all of the PDL's from every calling me again.

Posted: Wed Feb 21, 2007 2:20 pm Subject:

I have filed complaints on the PDL's and have also notified the companies in regards to everything, but one of the 3 companies that has not agreed to mark the accounts PIF has turned me over to these people for collections. So right now I am in new territory. As stated above, I do not know if with the type of business these people are (and what the BBB has said) if they can do anything here in NC. Just want to prepare myself an how to deal with these people.

Posted: Thu Feb 22, 2007 8:02 am Subject:

I had one that continue to call and email me with threats... I forwarded all corraspondance to the NCAG and they wrote a real ugly letter to then and they stopped. After you tell them that you have turned the matter over to the AG office, give them your case number and tell them not to contact you again. Do not answer their emails or phone calls. Below is what I found on the Secretary of State website.. they are not suppose to do business in NC.

SearchType: Starting With Search Criteria: joseph stevens
Search Date: 2/22/2007 10:00:25 AM
No Records Found. Search Again

Posted: Thu Feb 22, 2007 8:51 am Subject:

They have not called here since the one call. They did not know that they were talking to me and just kept saying they needed to talk to the comptroller or the owner for a financial investigation and it is our policy at this office to not give out any information on our employees. Now not sure how the home office handles it, but our office here, we don't and for the most part, we usually direct people to the home office for information, but I was leary that day and the fact that they would not give me any more information other than their name ane who they wanted to talk to, made me a little more leary. But it has me a little concerned on what they might try to do and who they might talk to. From reading stuff on the Joseph, Steven, & Associates web site, they seem pretty aggressive and then reading the BBB report and them not knowing if they have to be licensed due to the type of business they are, just concerns me a bit. But I do have copy of my bank statements that show when I got the loans and everytime a payment was made and it can be seen how much was paid. I would think with the fact that I have paid back the principal, plus (on each of these loans) and the fact that they are illegal here, that there would not be anything they can do. Like I said, just a little nervous right now.

Posted: Thu Feb 22, 2007 9:47 am Subject:

They will suck the blood out of you. I sent all my bankstatements in and proved that I paid back principal and three times the amount in interest and they still hounded me. However, when I asked for a copy of their records they refused to give them to me. Please, file a claim with the AG ASAP, this is the only way they will leave you alone. BBB cannot do anything for you.

Posted: Thu Feb 22, 2007 9:49 am Subject:

Dixie ~ you have had dealings with this collection agency? Like I said, they only called once here at the office and when I kept asking for a phone number, who they were calling in reference to, etc, they hung up.

Posted: Thu Feb 22, 2007 4:47 pm Subject:

Have you checked them out on the BBB website?

Posted: Thu Feb 22, 2007 6:48 pm Subject:

I did check them out with the BBB (see below)

"Checked them out with the BBB and it says the companies business is commercial and consumer collection, primarily business (all sizes) and investigates for clients, commercial investigator. With that being said, it also says there is no license #, Licensing agency, or status and they do not know of no licensing or registration requirement for companies engaged in this company's stated type of business. They have had 49 complaints in the past 36 months, but it says the company gave proper consideration to the complaints"

Just not sure about things right now

Posted: Fri Feb 23, 2007 2:49 pm Subject:

I would send them a debt verification letter with a cease and desist attached to it so they stop contacting your employer.

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