Hi, I also went thru the ringer with Ellis and Crosby.

I did the unfortunate thing of taking out a total of 14 payday loans. After the extremly high fees charged, I could not pay all of the companies back on time. Two of my payday loans were sent to Ellis and Crosby. Someone by the name of J P Henson called me at 12:00 noon and said that if I did not send them $1,100.00 by 1:00 pm that day, someone from the District Attoney's office would come up to my job, arrest me and take me away in handcuffs in front of my co-workers, and then take me to jail. He proceeded to say that I could also be deported, I guess because I have an accent and my wages would be garnished. By the end of the conversation I was literally in tears. I did not have $1,100.00 so I sent him $25.00 which is all I could afford. After receiving the $25.00, he called me back to let me know that he would be sending the $25.00 back. I also asked if I could have a payment arrangement and he said no, and that they will be taking further action and he hung up. I am not sure what to do now, but perhaps I should be seeking legal counsel. Final note to anyone thinking about taking out a payday loan, DON't, this will send you into financial hell.

Worried in Pennsylvania.

Victoria-
They cannot take you away in cuffs. And they cant harras you. I took out 13 payday loans and i cant pay anything to them. THey have since quit calling me, They arnt even lawyers. They are a Collection Agency. They have been suspended form making transactions but YET they are still trying to get money. I dont understand And something seems fishy :roll: Dont be worried because they cannot do anything to you.
What state do you live in? In texas they cant garnish and they cannot sue for money bc its a BANK. And banks cannot sue you in texas. The best way to find out whats legal is to call the District Attorney and ask. I would also ask about filing a suit aginst Ellis and Crosby, for threatning to DEPORT You, THAT IS TOTALY CROSSING THE LINE! You can sue big time.
Keep in touch
Katie

Thanks Katie for the reassuring words.

I live in Pennsylvania. I also did a little research and found out that I can file a formal complaint with ACA International, Ethics Committee which Ellis, Crosby & Asso. is a member. This guy I dealt with violated all the rules of the Ethichs committee. I also reported them to the BBB. I plan on calling the DA's office. This guy caused me to suffer great anxiety. I am still a little shaken from that phone conversation.

Dear Guest-
I agree he did cross the line! you have NO clue how many complaints Ive filed. I have filed one with ACA the BBB the Federal Trade Commison and the Texas Attorney General. It does get tiring, but if you know anyone else who has this problem please tell them to post their reposnses on FIGHTBACK.COM UNDER BANKS AND FINACIAL , AND REPORT THEM TO EVERYONE YOU CAN. They derserve to be gone. I wish there was a bug spray for them ELLIS BE GONE SPRAY

:twisted:

[kimb515]

Originally Posted by mjd

Ellis Crosby called my job and left several message like I am some kind of criminal also they tacted are under handed stating they are lawyers and they are going to put me in jail, etc. Yes I did borrow money from the payday loan company but they screw up my account by trying to take out 600 extra that I never borrow and had me in all kind of debt with my bank. I live in NY and now they are threating to have me arrested because they saying I do not want to pay. This is not the case you cannot call anyone at 12:00 pm and tell them to have over a 1000 by 5:00 or you will go to jail. I am filing a complaint with my bbb because this is unexusable for them to act like this. I did not borrow half the money that they want.Is this fair in the state of NY? They called my office this am and threaten me again.

Roxette is correct. These things they are doing are illegal. You need to document everything and call the FTC to report this company. FTC Help is 1-877-382-4357.

[roxette]

I read the posts in this thread and realize that Ellis Crosby is definitely crossing the line and they will be fined heavily.

I suggest all to record the telephonic conversations, save the mails if they correspond with you, lodge complaints at the FTC, state attorney general office etc. and take legal advice from the attorney with the evidences.

You all have stronger points to fight as membership of Ellis Crosby is suspended from June 1 for a period of 90 days and they can't make any claim during this period. Making claims and then causing harassments further adds to their illegal actions. You all are advised to lodge complaints and take preventive steps.

VictoriaWarren, please do not get worried as you are completely safe and your fearful action of sending them the money has given them a stronger point to bully you. Though they said, that they will return you the money, I presume they won't be doing that and additionally, they will make a fuss of it.

In the end, I suggest all of you to keep yourself away from payday loans. I see many taking 13, 14 and many more payday loans. Take payday loans only if you can manage to pay within the due date otherwise you are inviting yourself completely in troubles and misery.

I believed in offering a suggestion which might be of some value to all of you. Hope that you all won't take my words in a bad way.

Regards
Roxette

[silverfreak4u]

I JUST A CALL FROM THESE PEOPLE TODAY AT WORK TELLING ME ALL THIS CRAP THAT IM IN SERIOUS TROUBLE AND I NEED TO PAY THIS HUGH AMOUNT OF MONEY OR SOMEONE IS GOING TO COME ESCORT ME FROM WORK AND TAKE ME TO JAIL. IM IN THE PROCESS OF CONSOLIDATION OF MY DEBT. CAN THEY DO ANYTHING TO ME?

Ellis Crosby & Assoc called me at work and told me I being notified of felony charges filed against me as of 2:00pm today. A background check would be done on me. They stated I was guilty of fraud and an arrest warrent has been issued and I would be picked up at work. I asked who the lender was I did borrow $200.00 and could only pay the finance charges. I then needed to file bankruptcy and notified all my lenders. They told me bankruptcy laws do not protect me against fraud and I have committed a felony for passing bad checks and giving fraudulant bank information. I now needed to pay $515.17 by 3:00pm or I would be arrested. My attorney told me to ignore them. My employer called and told them to cease calling work, but when she called they didn't know who she was referring to.

Roxette

Your words are certianly not taken in a bad way. In hindsight I wish I had never learned about payday loans. These types of loans can clearly lead people into long term financial troubles.

Kind Regards,
Victoria

No they cannot arrest you. They told me the same thing Im still waiting for them to come take me to jail. Report them to the ACA INTERNATIONAL and FTC.
:twisted:

[roxette]

Katie

I appreciate your willingness to assure the community for positive thoughts during times of crisis.

Together, we will be able to spread the message that Ellis and Crosby business is at stake and it can only bark but never bite.

Victoria, thank you so much for warm reply. I am happy that you have learnt to decide wisely while making financial decisions.

reed2c, have you really filed for bankruptcy as because of the Ellis Crosby calls? I am so agitated due to the misbehavior of Ellis Crosby people over such innocent people.

I hope that FTC authorities and DA's office will soon take necessary action against such people.

Once again, I request everybody, not to get bullied by the domineering behavior of Ellis Crosby. They just can't do anything except throwing harsh words in the air. Their membership is revoked for 90 days and they can't take any action at this time. At least, not before September. And by that time, their business might be at jeopardy

Roxette

[benjaminz6]

Originally Posted by silverfreak4u

I JUST A CALL FROM THESE PEOPLE TODAY AT WORK TELLING ME ALL THIS CRAP THAT IM IN SERIOUS TROUBLE AND I NEED TO PAY THIS HUGH AMOUNT OF MONEY OR SOMEONE IS GOING TO COME ESCORT ME FROM WORK AND TAKE ME TO JAIL. IM IN THE PROCESS OF CONSOLIDATION OF MY DEBT. CAN THEY DO ANYTHING TO ME?

These people do not quit with their illegal activity. i am surprised by their brazenness. Either the government is simply ignoring companies such as these or people are not complaining in mass about this harassment.


These threats are clearly illegal. They are not allowed to make false statements to you threatening jail and other negative consequences. they are not allowed to treat you as if you committed a crime.


I would suggest that you contact a lawyer so you can sue these people. Somebody needs to teach these guys a lesson.

So you decided to consolidate? Have you already started or did it go to collections first? Well, if you have already started to consolidate, then you should continue with your consolidation company.

[benjaminz6]

Originally Posted by reed2c!

Ellis Crosby & Assoc called me at work and told me I being notified of felony charges filed against me as of 2:00pm today. A background check would be done on me. They stated I was guilty of fraud and an arrest warrent has been issued and I would be picked up at work. I asked who the lender was I did borrow $200.00 and could only pay the finance charges. I then needed to file bankruptcy and notified all my lenders. They told me bankruptcy laws do not protect me against fraud and I have committed a felony for passing bad checks and giving fraudulant bank information. I now needed to pay $515.17 by 3:00pm or I would be arrested. My attorney told me to ignore them. My employer called and told them to cease calling work, but when she called they didn't know who she was referring to.

First off, it is not a felony to have debts. I do not know how they came around to making those incredulous claims.


This is illegal. This type of practice would fall under the false statements clause of the fair debt collections act. The debt collectors are not allowed to imply that you have committed a crime.


In addition, they may not state that you will be arrested if you do not pay your bill. And also, they are not allowed to threaten to sue you for a legal action that does not have any basis. In other words, they are not allowed to make any baseless threats of this nature.


You should write them a letter telling them that they should stop calling your residence and your place of employment.


At least with a letter, they cannot deny that they received it. There will be a record of it and you will be following procedure for dealing with debt collectors engaging in fraudulent practices.


Just remember that when you eventually make them stop calling, your debts will not go away. In addition, you will still be responsible for taking care of them without the harassment of the creditors.

[benjaminz6]

Originally Posted by Anonymous

Roxette

Your words are certianly not taken in a bad way. In hindsight I wish I had never learned about payday loans. These types of loans can clearly lead people into long term financial troubles.

Kind Regards,
Victoria

Thank goodness you recognize the problems associated with payday loans. they are short term loans with incredibly high interest rates. This is a recipe for trouble.


hopefully, other people will heed this warning and opt to stay away from this Pandora's box of credit.


I try my best to convince people to ignore the flashy advertisements for payday loans. Because they are not the answer to your financial problems.



Fiscal responsibility is the answer. This involves building up a savings and making a budget for the necessary items. Save money for the items that are not a necessity.


I hope this message will get through to those who are considering taking out a payday loan.

Hello all,

I received a call from Richard Steele with Ellis Crosby and Associates (the # that showed up on my caller ID was 904-394-7448 however the# left on my voicemail was 800-491-8615 ext 223) He asked me was I familiar with E-Payday and JD Marketing and I told him I believe so. He then verified my address and told me they were seeking legal action in the amount of $2221.50 (this is for a loan for no more than $300 from each company. By the way these both companys use the same bank). He said he was a lawyer and He was just calling to inform me that they were going to pursue legal action. Then he read me something I didn't understand(he used a lot of legal terminology). He then asked me have I ever been in trouble with the law or been convicted of fraud prior to today. I then asked him are you trying to say I'm being convicted of fraud today. He said no that's not what I'm saying, I'm just asking. I then told him I was not answering that question. I then aksed him what was he trying to accomplish today. I asked are you trying to set up some type of payment arrangment. He said no, I'm not trying to collect any money, why would I? I'm just letting you know that you need to get a lawyer so you can try to get out of this. He then told me if I had any questions to call him. I asked him why did he say I needed to get a lawyer and he hung up. I called back and said you told me if I had any questions to call you and ask. He said yes I did. Then I said well why did you tell me to get a lawyer? He then said I already told you. Then he asked if I had anymore questions. I got pissed and just hung up on him. For the rest of the day I was so worried. Thank God I found this site. Now I know they are full of shit and if they ever contact me again, I'm going off! The reason he had me so scared is because he said he was not calling me for the money. Now I know why! They are suspended from collecting debt for 90 days. What a bunch of jerks! Katie, I also live in Texas. If you can help me out. Please let me know. **For anyone out there even thinking of taking out a payday loan, take it from someone who knows.....DON'T DO IT!!!!!**

Originally Posted by Chenna

Hello all,

I received a call from Richard Steele with Ellis Crosby and Associates (the # that showed up on my caller ID was 904-394-7448 however the# left on my voicemail was 800-491-8615 ext 223) He asked me was I familiar with E-Payday and JD Marketing and I told him I believe so. He then verified my address and told me they were seeking legal action in the amount of $2221.50 (this is for a loan for no more than $300 from each company. By the way these both companys use the same bank). He said he was a lawyer and He was just calling to inform me that they were going to pursue legal action. Then he read me something I didn't understand(he used a lot of legal terminology). He then asked me have I ever been in trouble with the law or been convicted of fraud prior to today. I then asked him are you trying to say I'm being convicted of fraud today. He said no that's not what I'm saying, I'm just asking. I then told him I was not answering that question. I then aksed him what was he trying to accomplish today. I asked are you trying to set up some type of payment arrangment. He said no, I'm not trying to collect any money, why would I? I'm just letting you know that you need to get a lawyer so you can try to get out of this. He then told me if I had any questions to call him. I asked him why did he say I needed to get a lawyer and he hung up. I called back and said you told me if I had any questions to call you and ask. He said yes I did. Then I said well why did you tell me to get a lawyer? He then said I already told you. Then he asked if I had anymore questions. I got pissed and just hung up on him. For the rest of the day I was so worried. Thank God I found this site. Now I know they are full of shit and if they ever contact me again, I'm going off! The reason he had me so scared is because he said he was not calling me for the money. Now I know why! They are suspended from collecting debt for 90 days. What a bunch of jerks! Katie, I also live in Texas. If you can help me out. Please let me know. **For anyone out there even thinking of taking out a payday loan, take it from someone who knows.....DON'T DO IT!!!!!**

Okay in the state of texas a LENDING INSTITUTION cannot sue you in civil court, and since this is a NOT a criminal offense( thats what Ellis is trying to say) Check this website out it will answer everything for you
Dont be afraid of them as they are calling your bluff!

Let me know if you have any questions

ITS UNDER WHO CAN SUE IN SMALL CLAIMS COURT
:P

[Link made inactive as per forum rules-Mike]