Pay Day Loan

OMG I cannot believe I found this sight, these people from Ellis Crosby and Associates called me and my boss today saying I had committed fraud because somehow when the loan was sent to them my ssn was transposed and that they were going to subpoena the hard drive on my computer and I was going to get fired. They told my boss EVERYTHING. How can it be fraud? I applied for the loan myself. They weren't even concerned about getting the money they just wanted to harass me, then they called my direct line asking for another manager, and then she said oh this is Ms so and so isn't it, like that witch didnt know, and made a point to tell me who she wanted I told her that I had already told her not to call me and I hung up on her.

Hi Guest,

Welcome to the forums. Please inform the FTC about your SSN and take legal action. You should take help of your lawyer to prevent yourself. It is very necessary to guard your Social Security number. Never give your SSN to anyone unless they have a valid reason to ask for it.

Regards
Roxette

I cannot belive this! These people are CROSSING THE DANG LINE! They are also about to be sued by me for harrasment, and they still use the same tactics. Tell them you are aware of YOUR legal rights and they cant do anything to you. They said the same thing to me to try and get me to pay up. They raise the price from $200 to $560! which is more than the loan itself. I think if everyone files complaints with the Federal Trade Commsion and the BBB they will be done with. These people are POND SCUM from the parol BIN!
For more info on ELLIS AND CROSBY please look up Bud Hibbs website. He definalty put me at ease!

This was on the internet this morning:

Ellis Crosby and Associates, Jacksonville, FL: After a thorough investigation, complete examination of the record and full discussion of the issues, the ACA Ethics and Professional Responsibility Committee has voted to suspend the membership of Ellis Crosby and Associates, effective June 1, 2005. This suspension shall last ninety days. During this period, Ellis Crosby has been ordered to undertake certain actions as directed by the Ethics Committee and provide proof of completion to the Committee.

Hi

This is fair justice towards all those innocent people who were oppressed continuously by such devious acts of this particular collection agency.

Brutal threats and insults should never be allowed. Always use a caller ID or an answering machine to record the unethical conversation of the debt collectors.

If you ever face any problems which are illegal, remember that law is in your favor and always report the incidence to the Federal Trade Commission at 1-877-FTC-HELP, or to your state attorney general and the BBB to take legal action.

Regards
Roxette

Where did you find that article????? I want to read it!
send link to me
thanks

[email made inactive as per forum rules. Please use Private Message button (PM) - Mike]

Hi

As per the forum rules, external links except those to government sites as well as personal email address are not allowed on the board.

For your convenience, a private message button has been set to communicate in personal terms.

Regards
Roxette

they have called me and said that i owed them $830 and said if i didnt pay then they would pick me up and send me to jail. i paid them $530 and said that i could make another payment on today. now i have found this site and cant pay the remaining $300. can they make me pay all or can i just make a partial payment to them.

Good news for you "Need Help" No they cannot make you pay, In some states they cannot garnish wages and they cannot sue you, like in TEXAS they cant do either. The best way to find out whats legal is to look online under your states bar association
so type in -your state here____ bar association on yahoo and it willcome up, or you can also call the District Attorneys Office or even the Civil Court in your area and ask them what they can do. Next time Ellis And Crosby calls you tell them stick it where the sun dont shine

Hi

For updated information, I will let you know that the membership of Ellis Crosby and Associates has been cancelled w.e.f. June 1, 2005...

In such circumstances, you are not required to pay till the investigation charges are complete. Though, you have already made a payment towards your debt, did you take any receipt or a copy proving your payment made to them. Otherwise, they will give you a false pretext later that they didn't receive your payment.

Regards
Roxette

so now i can pay them when i have the money and since ive paid them $530 this month i can wait till i have the money to pay them. and with the investigation how will i know when it is finished i had investigator neil call me and say those things and when i called them earlier this morning they said that the bank is saying that they want it all now. wich is a bunch of dookie. thank you for the advice

When they call you tell them that you have been informed that Their membership has been suspended and you will not payanything until the investgation is complete. If you let them know that you know about the investagation then they know not to talk to you until its over. If they keep calling you tell them you will call them. Everything is posted on the website Aca International http://www.fdcpa.org/?cid=6710 for updates

Hi

The suspension will last for 90 days. Please be prepared by that time with your payments to avoid unnecessary harassments and also the faster you make your payment, the better your credit report will become within the time frame.

Have you taken the receipt of $530 that you paid to them? It is a very necessary proof of your payment made

Regards
Roxette

They are also being DEMANDING about how much money they want and when, bc they might be shutting down after the investigation. So they are trying to collect as much money as possible for themselves, if they are shut down the money you are sending wont go towards your debt it will probaly go toward their paychecks. Be careful! If i were you i wouldnt pay them a dime because they dont want to give recepits either, so how do we know that our debts are really being paid?

Hi

Making any payment without a receipt does not make any sense at all. A person won't be left with any proof in the later times about the contribution made towards the debt.

I assume that "need help" will try hard to get a receipt of the payment made to the company.

Regards
Roxette

My boss got a call today and the guy said that he was a federal investigator and I had committed fraud and for me or my attorney to call him right away.
What is my recourse?