Internet's first get-out-of-debt community - 136,000 members

Posted: Sat Sep 03, 2005 7:24 pm Subject:

The thing is Dale...I've already paid Ellis. I paid them $560 for a $200 loan before I found this sight. I have the money gram receipt for it. I've told the people at Emax that I've already paid it. I'm going to fax them a cease letter on Tuesday and maybe they will stop harassing me at work.
Also, if anyone goes by their office in NJ, I would be curious to know if they actually have an office there.
BTW, I'm in Arkansas.

dale · Posted: Sat Sep 03, 2005 7:38 pm Subject:

Michele...i live in NJ and not too far from that office but it's funny how that telephone number is linked to a voicemail in Nevada which I even bet noone ever picks up. This place is just another shady scam.

Watch the movie the Boiler Room - If you have then I believe this is what this place really is. It is probably an empty office space that they pay rent and used only for deliveries which are probably returned anyway. I will try to check it out this week. If there is anyone that works there it is probably just a receptionist. It sounds way too shady.

As far as Ellis is concerned, you feel you paid too much right? Make sure you give your story to Summer Saladino of the State Attorney General's office in Florida at myfloridalegal.com. She will listen to your story as she is an attorney and add to the Ellis Crosby complaints already out there. You will be on the list with all of us on getting paid probably our $1000 if the Attoney General (Charlie Crist) wins the case. so you will profit from the deal.

Posted: Sun Sep 04, 2005 4:16 am Subject:

Thanks DALE,
I've alradey completed an affidavit for Summer. I did that back in July. So I'm taken care of there. I had also filed a complaint with the BBB. I received a letter from them yesterday stating that they received no response from Ellis on my complaint. Imagine that! LOL

Guest · Posted: Sun Sep 04, 2005 4:36 am Subject:

Didn't you have another account Ellis was bugging you about? Reason I ask is I immeadiatley paid hat as due of me, have all my receipts, that was almost a month ago and also confirmed my account is paid in full with the loan company. I am ondering is Ellis selling paid accounts? That would be awful. How did they react when you told them yoy paid it? Or are they referring to a seperate account. My stomach has been in knots for weeks, but I have recieved no phone calls as of yet, and I owe nothing. Do you think I'll still hear from them?Ellis was ok to deal with in my situation.

Posted: Sun Sep 04, 2005 5:31 am Subject:

I'm absolutely positive it's not another account. It is the same account. Just keep all of your receipts and I'm sure it will be fine. Don't let Ellis get to you. That's all they are trying to do is scare people.

Guest · Posted: Sun Sep 04, 2005 6:53 am Subject:

Ellis was decent to me, I paid very quickly, they signed for all correspondence I have sent them, it was fine dealing with them. I just worry that I'll be abused at work for something I have paid and I can't take the thought of that. So it's your thought that they sold your paid account? Have you been able to speak to the original creditor?I did pay the loan in full plus the applicable fees and confirmed all payments and have documentation from EC as well. Do you think I am worrying for nothing if I haven't heard from these folks yet I probably won't?This is just such a source of stress for me!

dale · Posted: Sun Sep 04, 2005 7:34 am Subject:

Guest.....are you sure you don't work for Ellis Crosby? You seem to say....."I did pay the loan in full plus the applicable fees and confirmed all payments and have documentation from EC as well."

How is it that you have confirmation of all documentation when there are over 120 complaints filed with Charlie Crist (Florida Attorney General) and noone of the 120 have ever received any documentation from Ellis Crosby?

I am very suspicious of what you are stating.

Guest · Posted: Sun Sep 04, 2005 8:33 am Subject:

I absolutley do not work for anyone even in this line of work. I have simply tried to work out this unfourtunate situation in the most expidicious and professional manner possible and would be bummed if I ended up being asked to do it again.I just came here with questions and that is the truth. I have no interest in being involved in any lawsuits as I was not put in a threatened position, and I hope you all can resolve your situations.Sorry if my questions offended anyone.

Guest · Posted: Sun Sep 04, 2005 1:18 pm Subject:

I also just wanted to state that the fees are applicable, if you read the loan agreement you agree to be responsible for all outside collection costs, legal proceedings, etc. It is very simple. Pay your debt due in full and it is gone. The uncomfortable contact will cease. It's a pretty simple solution.

Posted: Sun Sep 04, 2005 5:18 pm Subject:

The problem isnt that these people dont want to pay their debt. The problem is that ellis crosby broke the law in so many different ways. For one the way this company called these people was inappropriate and the threats made were uncalled for. Secondly, the company would not validate any of the debts. There are people who sent money to ellis crosby and the creditors are still after them because ellis crosby did not pay the creditors the money sent to them!! So as you can see, it is not a somple solution.

Guest · Posted: Sun Sep 04, 2005 5:43 pm Subject:

There are also people who have paid the debts and been left alone after doing so, you can find them in these forums. There are also folks that weren't harrased here too. All I am saying is if you are responsible and follow up you will find the whole experience easier. I can not speak to any inappropriatness as I did not run in to anything like that at all. I will refrain from further posts as I cannot relate to your situations, and do not mean to make anyone feel uncomfortable. Thanks for your time.

Posted: Sun Sep 04, 2005 7:28 pm Subject:

It's not that you are making anyone uncomfortable, but we hear this type of posting a lot. Some people come on here and categorize us as being irresponsible, when the truth of the matter we are trying to get out of this rut we are in which is why we are here in the first place. Your opinion is always welcomed!! But we have to also look in the eyes of the one in debt and offer good and sound advice without coming down hard and pre judging.

Guest · Posted: Mon Sep 05, 2005 3:56 am Subject:

I am not categorizing anyone.Everyone has different circumstances. I myself borrowed money from a freind and sold some items of value to get myself out of all payday loan debt as defaulting on one was an unpleasant enough experience that I was not going to go there again. Alot of the stress I felt, to be honest was from reading these forums befor I even contacted the CA, who did work with me to clear things up quickly. As for valadation, I haven't recieved it, but I knew the debt was mine and did not question the validity or feel like I was being scammed. The irony is the default was due to my bank posting my deposit to the wrong account which caused a return and by the time I caught it it was too late.
There is alot of good info here on how to protect yourself from harrasment, and I definatley learned alot that helped me act as an educated consumer, however in the end it as not neccesary .I think that if you are going to share bad experiences with this and other companies, you have to be fair and show the other side of things too.

Guest · Posted: Mon Sep 05, 2005 8:01 am Subject:

I agree.There are people who work with these companies and don't have bad experiences. They deserve the benifit of the doubt , just as the consumer does.If people are allowed to come here and post their experiences, shouldn't that include the good ones too? They are doing a job, and they would'nt be contacting you if there wasn't a default on a debt.The best thing to do is be informed, but do your damndest to pay the debt of as quickly as possible and learn from your mistakes.

nfalls · Posted: Tue Sep 06, 2005 8:41 am Subject: mark ford

mark ford called me and acted as an investigator said my husband was going to be arrested said he has contacted the magistrate and sheriff in my town said all kinds of abusive things called my usband at work said they were going to prosecute him for fraud and bad checks because we had a pay day loan for 200.00 and my check acct closed they said now we had to pay 635.00 by 3:00 or they would send the papers over to my county court. It was 1:00 then I called my attorney and he said do not talk to them theyn can not arrest you for a debt. I also called attrny generals of my state and of fl also bbb also I checked with the local sheriffs office and they never rcvd anything from these people they said they can not arrest for this. He never said that his company name but when I called the number back 1-800-491-8615 it was ellis crosby and assoc. We did not send them the money and we are willing to pay the original creditor but to be harrassed like this is intollerable. I am 6 months pregnant I have 2 kids allready and this man was threatining me and my husband. I can not believe people are like this. I contacted everyone I could to make a claim against them. I just had another call from them and let them have it. then I found this site about emax is this the same thing?

Posted: Tue Sep 06, 2005 10:36 am Subject:

Hi nfalls

Welcome to the forums. It is very nice that you did not pay anything to Ellis Crosby. They have once again used the same old tactic on you to recover the money from you. Even if you pay them this time, it will not go to your debt account.

You have done the needful by informing the BBB, State attorney General Office and also file complaints at the FTC.

Also, next time, if they call you, tell them that you are well informed about their suspension and that a lawsuit has been filed against them. So, they don't have the legal right to recover the debt from you. If necessary, you will hire an attorney to deal with them.

Be strong and everything will be fine.

Ben

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