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 Posted: Wed Aug 03, 2005 7:39 am Subject: Ellis Crosby again! |
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I just received another phone call from Investigator Shannon Moore. She told me she had already spoken with me about this. I told her all she had to do was send me validation because I don't remember taking a loan from this particular payday company...nor can I find any information on it. She told me that I better remember quickly about goin on line and taking a loan that they had recorded my ip address and that I didn it at work and it was putting my employer at civil risk. If I ddin't call her back by 1:00 today she was going to send back the money I have already sent her and process me as habitual. She also stated that she was not at a collection agency and she didn't have to discuss the validity with me. I should retain an attorney and have him contact her. So she gave me her number and I informed her the conversation had been recorded she said that's fine and continued talking but I hung up. So what do you all think I should do at this point?
I've already talked with Summer Saladino, the BBB, ACA and the FTC. SHould I send her some money or just let her keep calling?
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Michele
Joined: 27 Jul 2005
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| Posted: Wed Aug 03, 2005 9:29 am Subject: ELLIS AND CROSBY |
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Mdow- SHE CANT DO ANYTHING! Tell her you know what they are up to, and you are not sending anything until she validates it for you, a REAL collection agency will valadate your debt, BY LAW they have to!
I do think they just woke up one day and said Lets start up a faulty collection agency, and not read up on the laws. 
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Katie
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| Posted: Wed Aug 03, 2005 9:36 am Subject: |
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What exactly does validating consists of? She told me the name...but I don't recall taking a loan from anyone named JVC processing..and besides I really thought I had paid the payday loans off. Also she said she was sending back the money I already sent her...can she do that? How do I get them to stop calling me at work? I've sent a letter that says I will only deal with them through US mail but I'm sure they haven't received it yet. I just sent it yesterday...but when I talked to Summer Saladino with the Attorney General of Florida she said they probably wouldn't honor the request. Has anyone else had any luck in getting them not to call you at work?
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Michele
Joined: 27 Jul 2005
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| Posted: Wed Aug 03, 2005 11:18 am Subject: ELLIS AND CROSBY |
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I did- But i quit that job soon after and they have not called me since. Just tell them you are taking them to court they will hang up FAST!
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Katie
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| Posted: Wed Aug 03, 2005 11:21 am Subject: |
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I keep threatening them with my attorney calling but it doesn't seem to phase them.
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Michele
Joined: 27 Jul 2005
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| Posted: Wed Aug 03, 2005 12:06 pm Subject: ELLIS AND CROSBY |
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Okay then just hang up and if they call back tell them to stop calling or you will press charges.. Be stern.
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Katie
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| Posted: Wed Aug 03, 2005 12:20 pm Subject: |
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Is there anything they can do if I continue to hang up on them? Also, how do I go about actually seeing if I owe the loan. I called one of the companies she told me and all they did was give me a recording that said my account had been sold and gave Ellis' phone number. The other company she keeps saying is JVC processing and I can't find anything on them...In fact I've never heard of them so I'm not really sure I had or have a loan with them. I can't find a phone number for them or amything.
Thank you for your help
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Michele
Joined: 27 Jul 2005
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| Posted: Wed Aug 03, 2005 1:01 pm Subject: ELLIS AND CROSBY |
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With all honesty, I am not able to pay them anything, bc they just say your account has been sold to blah blah..... Well I told them if they are not sending me a recepit then they will recive no money. Im just waiting for the invesgation to end from the Attoryney General to find out what i need to do.
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Katie
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| Posted: Wed Aug 03, 2005 1:18 pm Subject: Re: ELLIS AND CROSBY |
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Send them a cease and desist letter.
Ted Crosby
Ellis, Crosby & Associates Inc
4494 Southside Blvd., Suite #200
Jacksonville, Florida 32216
| Katie wrote: | | With all honesty, I am not able to pay them anything, bc they just say your account has been sold to blah blah..... Well I told them if they are not sending me a recepit then they will recive no money. Im just waiting for the invesgation to end from the Attoryney General to find out what i need to do. |
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vwh
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| Posted: Wed Aug 03, 2005 1:34 pm Subject: ellis crosby and associates |
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this is my first time using this forum and I just receive a call for the first time from a lady from ellis crosby and assoc. I had a payday loan of $200 and was unable to repay it back on the due date. So about a week or so past after my due date and I receive a call from this lady saying that there is a afidavit against me and that if I don't pay $560 by today (which i don't understand why I have to pay more then twice as much as I borrowed) that an investigator will locate me and apprehend me from my job. What should I do?
alex
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alexthomas1981
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| Posted: Wed Aug 03, 2005 1:54 pm Subject: |
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alexthomas1981 - If you browse the different segments in this forum specially the posts of Ellis Crosby and Associates, you will understand that they are involved in such malicious acts for recovering the money from the consumers.
Stay well informed in this forum because it will help you a lot while dealing with the personals from Ellis Crosby.
You just don't have to pay anything to Ellis as they are undergoing suspension and have consumer complaints against them.
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ben
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| Posted: Wed Aug 03, 2005 6:27 pm Subject: |
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| mdow315 wrote: | | What exactly does validating consists of? She told me the name...but I don't recall taking a loan from anyone named JVC processing..and besides I really thought I had paid the payday loans off. Also she said she was sending back the money I already sent her...can she do that? How do I get them to stop calling me at work? I've sent a letter that says I will only deal with them through US mail but I'm sure they haven't received it yet. I just sent it yesterday...but when I talked to Summer Saladino with the Attorney General of Florida she said they probably wouldn't honor the request. Has anyone else had any luck in getting them not to call you at work? |
Mdow,
I faxed the letter i sent over to them, i addressed it directly to the "investigator" and the company.
I stated each right they violated and i have not heard from them since.
all i know is you have to be consistant with your actions, when they call simply hang up. No one says you have to talk to them. but search the forums for my letter to Ellis Crosby and ASS ociates, use it if you need to have a guide. i encourage you to fax it to them and send it via US mail.
Remember a phone conversation has to have 2 people (in most cases) if you take yourself out of the equation you can avoid alot of unnecessary stress.
TAKE CONTROL!
If something is going to happen deal with it then.
Rich
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rich
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| Posted: Wed Aug 03, 2005 7:56 pm Subject: |
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Thanks Rich,
where can I find your letter?
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Michele
Joined: 27 Jul 2005
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| Posted: Thu Aug 04, 2005 6:43 am Subject: Ellis Crosby letter |
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mdow--
Please see the letter bleow that I faxed to Ellis, Crosby and Associates. Please feel free to use it should you need.
May 20, 2005
Mr. Paul Epstein
4494 Southside Boulevard, Suite 200
Jacksonville, FL 32216
Duval County
Dear Mr. Paul Epstein:
Subject: Contact
Effective immediately, I respectfully request all further contact be by US MAIL only. I will no longer tolerate harassing calls at work, nor do I authorize you or your company to contact anyone other than myself about this debt. I request written notice telling me the amount of money I owe and the name of the creditor(s) to whom I owe. Under the protection of the Fair Debt Collection Practices Act, I am entitled to be treated with dignity and respect.
Your collection agency is in violation of the law by their actions stated as follows:
Constant calls to my work place after continuously advising my companies' policy on personal phone calls.
Belligerent, ridiculous, and insulting remarks from you or your staff.
Threatening to get my employer involve, which could result in termination of employment. (Stating I can keep my job if I pay an obscene amount of money within a 2 hour time frame)
Accusing me of fraud and the intent to fraud.
Threatening arrests
Contacting others I work with in regards to this debt.
After checking with the Better Business Bureau, I felt the need to inform them of your collection habits and will file a complaint with the Federal Trade Commission.
**I have filed complaints with all list plus with the Attorney General of Florida. it is my full intention to go to any length to protect the rights I as an american consumer was given. I applaud all that does what it takes to protect their rights, KUDOS TO YOU!
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RICH
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| Posted: Thu Aug 04, 2005 6:47 am Subject: |
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Thanks Rich
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Michele
Joined: 27 Jul 2005
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| Posted: Thu Aug 04, 2005 8:14 am Subject: |
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I faxed them a copy of the letter with the fax number they gave me, which went through ok.
They can probably trace my fax number, but if they were to dare send anything, then they're only digging their hold deeper...
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Lindsey
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