[ben]

I find your response very warm. Thanks for it.

[roxette]

Hi Joe,

Thanks for sharing your opinion with our community members. I hope that you will bring some more light in this forum with your valuable suggestions.

Regards
Roxette

[Michele]

Joe,
You have some very valid points and I hope I didn't come off harsh on on my last post. It's just like you've said, sometimes mistakes are made and people are willing to own up to them. Then people like Ellis come in and abuse people. I had no problem paying what I owed...it was truely by mistake that it ended up in default anyhow. And before I could even get in contact with the loan company they had already sold it to Ellis. When the "Investigator" called me I felt pretty violated, and to my own ignorance I didn't know the laws. I just don't want to see more good people who are owning up to their mistakes be abused by people like Ellis and sorts. Thanks for your comments they are really appreciated

[Teleport]

newsflash dale , the attorny gen will not pay your bill for you.
also learn to value your credit. the attorney gen knows that there are
lots of undesirable & dead beats trying to jump on the back of this
pickup truck...pay your bills dude.

You didn't read what Dale wrote. He has no problem paying what he loaned and whatever NSF's he incurred. But the high interest is what Crosby is charging. That is what he meant by waiting...

The company Ted Ellis Crosby & Associates (Investigators) are currently
in trouble for their unethcial collecting and high interest rates on
loans.

Most people understand they've made the mistake by not having the money
there when the payday loan companies came around to collect.

These payday loan companies scam their clients by taking the money out
on payday, but at 4:00am when the money wasn't going to be there till
8:00am. So now, not only do they probably have 2 hits (what most
paydays do) but they also have negative now.

The payday loan people will tell them they can only pay by Western
Union, but will attempt to collect this debt again (even though they
said they could only pay Western Union.) They'll attempt to collect on
this debt again if the loan isn't paid.

Now remember each time they (the payday people) get these NSF's they
will attach a $25 NSF to the bill. So at most a $200 loan would only be
$350. That's $200 for the loan, $25 per each $100 borrowed, and the $25
x 4.

So why is it, when Mr. Ted Ellis Crosby can collect well over $1000 on a
loan that is only 60 days delinquent.

I find it personally to be unethical and so do several other people,
when they get these calls at work saying that they will arrested.

I am sure the personal banks of these individuals are well aware of the
problems, and aren't after the member of the credit union/bank.

It is not legal to threaten with arrest, and definately not fair to be
charing super, super high interest rates.

These people are not avoid their debts. They will definitely pay the
$200 loan they took out. But they don't have the $1000 to avoid arrest
to be paid in 2 hours.

That is why, everyone at Ted Ellis Crosby...Kara, Tammy, Aaron Free,
Dick Greenburg, Jessica Hawthorn, Annete Tamoni, Steven Nill...that is
why they are all under investigation.

Ted Crosby is going to court over this.

[Rhonda28]

That was well said mikey. People come on this site downing us for having debts, yet they do not fully read what has been posted. I sound like a broken record saying this, but we wouldn't be here if we did not want to pay our debts. We just dont want to be taken advantage of.

Please remember that some of us did have ok experiences with this company, like myself and have no desire to become part of a lawsuit. The posts are troubling, and though I don't agree that anyone should be treated ith disrespect, the CA's whoever they may be deserve to have all experiences, good and bad discussed. It is my hope that we remember that there are 2 sides to every story and that everyone deserves the benifit of the doubt at least once.

[Rhonda28]

GUest we always welcome to hear all sides of the story. The reason we post on here is so that consumers can be more aware of what type of CA's are out there. This particular one has a lot of negative feedback and people need to be aware of the different tactics used so that are not verbally abused or insulted in anyway.

Your forum is full of info to help consumers as that is admirable, all I am saying is that the root of the problem is financial mismanagement. No One deserves to be treated in a disrespectful manner, but as well personal responsibilty is so important in resolving financial difficulties. These calls are not appropriate, but hopefully these experiences will teach people to slow down and get a grip on their financial situation.

mickey there are millions of all sorts of collection companys out there ,some soft some hard & harsh and unless you use some sort of financial responsibilty in your own personel life , there will be another ellis crosby that u will want to sue & take to court.

[Teleport]

Dear TAXMAN

It's not illegal to be in debt. However threatening people with arrest, and harassing them is illegal.

That's all I'm saying.

And yes, when that time comes when someone gets that phone call...there will be several complaints made against that company, and another lawsuit against an unfair collection company.

People realize they've made their mistakes and aren't hiding from paying. But by putting fear in people...do you think that'll make them pay any quicker? Making it where people have to leave work and are afraid to go to their own home? That's what the employees of Ted Ellis Crosby & Associates did?

Financial responsibility....that's what this website is designed for. To help people get out of debt. Not to teach people on how to hide from collection companies.

It is also WRONG for these people to call you and scare the pants off of you and also make you cry to where you are scared to go home, because of the lies this is happening! LET ME TELL YOU HOW FAIR THIS IS!
NOT VERY MUCH

How can anybody, and I mean anybody defend this collection agency? I was hit by them in early July but knew it was going to happen because I read up on them on this site. (I went through FSM, and they won't work with me at all so you tell me who I should pay?) They told me good luck, they were filing an avadavit in my county and would not tell me why... I gave it right back to them... and then sent a C&D letter and haven't heard a word since. They make me sick with everything they have done... I think FSM should be sued to... they had to know who they were working with....

u werent hit by anyone guest. e paid a loan back that u applied for & defaulted on. take some responsibility in your life read contracts with "huge" intrest rates & stop being a victim!!!

Candy since you don't know what you are talking about please don't reply. I was "hit" by them, I was paying FSM on time and because my Credit Union made a mistake and did not put my paycheck in on time, they immiediately sent me to collections (within 1 day) with no explanation. Think before you talk....

[Teleport]

u werent hit by anyone guest. e paid a loan back that u applied for & defaulted on. take some responsibility in your life read contracts with "huge" intrest rates & stop being a victim!!!

CANDY:

Most of these payday loan companies make their money by hitting the accounts of the individuals account at 4am. What people don't realize is that they could have said Monday (the day after payday) is their actual payday. They didn't realize they would be taking the money back 5 hours before their paycheck was deposited.

And then when this is explained to the payday people, they tell them they can only be paid by Western Union. Well...if the paycheck is all they have, and they were hit twice (payday people split the repayment 2 times to try and get at least 1/2 their money back)...then they now have NSF. So then they can't pay it back for 2 weeks, or one week.

The person borrowing the money then thinks they have to repay it back by Western Union...but actually the Payday people will try go for the money again come next payday.

It's all a big game with the payday companies.

Is their a reason Candy is even on this website, isn't it for people wondering about creditors and collection agencies, not for someone to berate them....