I mailed B&D the letter you recommend on the 15th of this month. I have not gotten a call from them for a week, but this morning they called again, bright and early at 6:50am the last time I heard from them was on Saturday Sep 17th at 7:00am.Why are they still calling me after I told them to stop? Why are they going through so much trouble for $25 that they can't even prove I owe?

[ben]

Anime, I guess, you must have sent the letter to Bennett DeLoney through certified mail. It must have happened that another person who is unknown to this fact might have called you.

If it is required, you can again send a copy of your cease and desist letter with the copy of the CMRRR receipt number and inform them about your displeasure.

I got a phone call yesterday from a collection agency stating that I still owed money to a payday company. Someone from Ellis Crosby called me a work threating to have me arrested and sending people to my place a of business. So I went ahead a paid. Now I receive this phone call telling me I still owe the same company money. Help

[Teleport]

Deirdre

If you saved your confirmation number or your receipt from the payment you made to Ellis, then that is all you need.

Is this another company that is calling you?

If this is another company all you need to tell them is that you made payment to them, and they might ask you to fax them the receipt.

I would recommend placing a complaint anyway. Threatening arrest is against the law, especially since Ellis Crosby & Associates have no power to do so.

They are already under investigation for unethical collection practice, and embezzlement. They'll charge high interest on accounts, get paid --because they're threatening people, and then reselling the accounts to another company.

Place your complaint with Summer with the Attorney Generals Office and with the Better Business Bureau.

Sorry you didn't find this site sooner....

Regards-
Mike

I have a letter from them also, they are rediculous, when i tried to ask them about the fees they told me they were regulated.

[ben]

Deirdre,

It might have been possible that your credit file has not been updated with the bureaus even after the payment was done in full.

Send a letter to the company whom you earlier made the payment explaining the situation and ask them to update your credit file with the bureaus. Once your account is updated as 'paid', all the worries relating to it will disappear.

Mike,
This is another company that is calling me and when I told them I paid that bill he mentioned Ellis Crosby. When I called them back today to find out some more information, the person I talked to could not even find my SS#. And yes, I do have my receipt from when I sent that payment, which I should mention was almost doubled. Thanks, so much for everybody's help. I hope we can stop this from happen to anybody else.

Do you know that when you open a checking account you are agreeing not to write bad checks? Just because you have checks in your checkbook doesn't mean you have money. If you don't have money in your checking account then don't write checks then you won't have to be contacted by a law firm.

You are the ones hurting the economy by writing bad checks and not honoring them. You are stilling from the merchant..so stop blaming the collection/law agency that is trying to make good on YOUR debt. Don't write checks if you don't have money...that will solve all of your harassing calls. Stop crying and pay your debt, and don't give me the story that you are trying because trying isn't doing.

And before you go getting after me for working for the collection agency…I don't .. I work at an accounting firm and I pay MY bills…Do you?

Okay--so I just posted that last one. I wanted to say sorry. I don't mean to offend. I know that most people don't write bad checks on purpose, but seriously don't spend money you don't have and I think a lot of your problems would go away.

[Teleport]

Guest

What a lot of people don't know is that the majority of these payday loan companies will take back their money before your direct deposit is made.

That's where the big problem arises. And when you get charged that NSF fee, it becomes an even bigger issue.

I'm sure that not everyone who takes out a loan defaults on purpose.

However, when the collection companies call and threaten arrest, they are breaking the law. It may be illegal to write hot checks. But more than likely it was an accident.

The collection companies are threatening people, and tacking on even higher interest fees. These companies are currently under investigation for unethical collection practices.

The people who have posted in fear of being arrested are wanting to pay back the loan. However when the collection company is not willing work with you, and tells you no---we need $1015 (on a $500 loan) by 3pm today or you'll be arrested....that's just wrong.

-Mike

The fact is that when checks go to a law office they have been outstanding for more than 6 months...some checks a year. So the check writer has had time to pay their outstanding debt and the merchant has waited long enough to get paid for goods taken.

Payday loans are a different story..you know what you are getting into when you apply for the loan, and you better be prepaid to pay the high fees for the convenience of getting the money quickly…you don't get something for nothing. That just goes back to the fact that you shouldn't spend money you don't have in the first place.

[tsd3569]

Are they still making threatening calls? I received a call from a M Thomas that I need have my attorney or myself call by 11:00am. I am so sick of these calls from them. Have anyone heard anything?

I owed 2 payday loans. The companies are jd marketing and fsm group. I am permanently disabled and draw $281.00 a month for disability. The first call from cosby and associates went like this. Are you sitting down? Do you have a lawyer? You are being charged with credit card fraud and owe jd marketing group $1130.00 and fsm group $680.00. Both loans were originally $325.00 each. He stated that they were contacting the district attorney and a judgement would be charged against me and i would probably serve time. His name was paul cline. He told me that i had not read the fine line on the loans but would not give me the details of all the charges. He stated that he would not call me again and that i had 48 hours. I got a part time job which i was not able to keep because i stayed in severe pain but before i resigned another man from the same agency called my employer and told them that he was a investigator and i needed to call asap.when i called him he was rude, arrogant and would not give me the details on all the charges. He said that he hoped my children would not turn out like me and be liars and cheats and then hung up in my face. I was in shock and devastated. I had to get medical help because i was so nervous and upset and thought the sheriff would me knocking on my door at anytime. They would not accept any payment arrangements except ones that i could not pay. These people need to be put out of business. I was devasted by their harrasement.

[ben]

S M SHOEMAKER,

Don't pay Ellis Crosby anything. They are out of business. Instead make arrangements with your creditors. Your money will go towards your debt account. If you pay to Ellis, they will pocket your money.

Read more posts about Ellis Crosby in this forum. You will be able to make strong decisions.

I recently received a letter from Bennett & Deloney for a debt that I do in fact Owe, the problem was that the original Creditor double charged me and that's why I never paid them in the first place. I contacted the original creditor and asked why the sent the account to a lawyer showing a duplicate charge? Well, they finally after a year realized I was telling the truth and said they would fax Bennett & Deloney and let them know that It was a double charge and I only owed for One. I requested confirmation that the from the original creditor that the duplicate charge was no longer, I should be recieving that info soon. Well here is what I find absurd. I contacted Bennett & Deloney to make sure that they recieved the fax from the original creditor, and they said yes. When I told them I would be sending Payment at the end of the week, they tried to tell me they did not accept mail in payments, and if I didn't have a credit card I would have to do a check by phone (even though the letter I received said not personal checks.) or I would have to send the money via Western Union (I Don't Think So!). I told these morons that if they didn't accept mail in payments then why did the letter they sent me tell me I could send a Cashier's Check or Money order? I was given the reply that they had a large mail room and it could take a while for it to process. My reply " So you do take mail in payments and you lied to me. why would you need such a large mail room if you didn't accept mail in payments?" Well I finally told them how it was going to be. I said that I would mail a payment by cashier's check overnight so that I could track and see when they received it and could have record of it. I told them that according to their letter I had 30 days to dispute so my payment and gave me no deadline on when I needed to pay. No where on the letter did it say that this account was due on receipt of the letter, and that they would get it exactly when I said I would send it and no sooner ( They wanted it that same day.)

[roxette]

Hi Jami

It is a very responsible action from your side that you wished to track your payment till the time it has been posted to your account. Make sure that you get the proper receipts after it has been paid. Also, it should be updated in your credit report. Ask the collection agency to update your credit report with the three bureaus. Thus, this account will be shown as 'Paid' and will give a good view to your credit.

Regards
Roxette