[roxette]

Hi Monica

Welcome to the forums.

Besides, you can also use your federal powers through debt validation letter.

Ask the company to validate the debt as it is your legal right to know the true shape of the accounts. If they are holding the debt legitimately, they won't object it.

Sending a cease and desist letter through certified mail restricts the collection agency from calling you at your place of work. If they do, it will result in violation of the fdcpa law and you can take legal actions against them with the help of your lawyer.

I am anticipating that all these legal actions will help you in getting rid of such agencies with illegal practices.

Regards
Roxette

I had a cleaning lady who, for years came once a week. She left last July to move to Florida. About six weeks later I started getting calls from all sorts of people looking for her because she used my home number as her work number. Once I spoke to most of the companies and explained the situation they apologised and took my number off their list. All but one: LTD Financial Services.

I actually have spoken to individuals on three separate occasions and each time they assured me they would take my number off the list - but to no avail. Two weeks ago I submitted a complaint to the Houston BBB and about a week ago they sent me email stating LTD had been contacted. Again - to no avail. Yesterday (Sunday) they called me SIX times.

What makes this even more aggravating is that most of the time they simply hang up - I can only presume because they want to hear a female voice. Yesterday I finally picked up on the sixth call - to yell at them - and I heard music - ie, I was on hold! After about 30 seconds they hung up!!!

At any rate, I thought I would provide some information to make it easier for everyone to submit complaints. If enough complaints are registered, something will get done.

Houston BBB:
BBB OF METROPOLITAN HOUSTON
1333 W. Loop South Ste. 1200, Houston, TX 77027
713-868-9500 FAX 713-867-4947 bbbinfo@bbbhou.org

FTC:
877.382.4357
Complaint Form: https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

Their address:
LTD Financial Services, L.P.
7322 Southwest Freeway, Suite 1600
Houston, TX 77074
(713) 414-2100

Please take the time to complain about this company.

[roxette]

Hi Rich

I am sorry to hear the problem that you are going through. LTD financial has been disturbing a lot of people on a regular note. In your case, their is no reason to further call you up, thus, it simply proves their unprofessional business.

I suggest you to record these phone calls with dates and times and along with the name of the person if you hear any. Give this proof to your lawyer and file charges against them. I hope that the legal procedure will keep this company in the best of their behavior.

Regards
Roxette

I keep receiving messages at my work to call Tammy or Jose at 800-741-2100. I've found out what the number is & I'm not sure that I want to call them because they have given out way too much information to anyone that answers the phone here. Things like I'd better contact an attorney, they're gonna sue me, etc.

[ben]

Crl

In my opinion, you should talk to LTD Financial and resolve the matter. If you do not place the call, they might file some charges which you are not aware of and take it to the court. Seeing that you defaulted in appearing in the court (because you are not responding to their actions and not defending yourself), the judge will rule in their favor and you will have to pay heavy charges.

It is my sincere suggestion for you to place the call and ask them to give you something in writing. If you find something to dispute on the items, do it because this is the only way you can defend yourself.

LTD has called and called and called here. Yesterday I demanded to speak to this jerk's supervisor and met up with Mr. Derby who called me a thief and told me to get off his phone. And they are the ones who called me. Then this morning my caller i.d. showed that they have tried to call her 3 times this morning within a span of 10 minutes. I called Peter Baldwin (my "case" worker) and the man I spoke to yesterday prior to talking to Mr. Derby. Peter denied calling me today. Then he asked who I was...I replied that I was the thief he was talking to yesterday, surley he remembered such a diviant person as me. Peter hung up on me. So I called back...and could not get a live person...they must have tagged my phone number to go to automated phone services. After about 5 tries, I did get a live person. He claimed that the computer is dialing my number and if it happens every day, that's too bad. However they are within their legal limitations if the computer decides to dial my number every day. Evidently, the computer is above the law.

Still working on this. But I'm in offensive mode now. Not defensive mode. These people called me a thief and all sorts of things.

[Htgt123]

Well I sent a cease & desist letter to LTD Financial Services some time ago. The other day I received a letter from them stating the account had been sent back to the original creditor and that I would need to contact them. They haven't called me or anything ever again.

[roxette]

Hi Sharon

Welcome to the forums.

I can understand the situation that you are going through. The truth of the matter is that no company should use harassing or offensive methods while doing collections. If you have identified yourself to them and they are not giving you the necessary details of the accounts for which they are calling, you should take some legal counsel. If the computer is dialing your number, then it has to be taken off if it has no purpose. Talk to your lawyer as he will be able to give you the best advice on this matter.

Regards
Roxette

I got a call from a lady named Heidi who claimed to be from LTD and she asked to speak to my wife who was at work. I asked why she was calling and she stated that they are investigating my wifes social security number. Well, I asked if someone had used it illegally and she stated that it may have and she really needed to speak to my wife. My question is this, is this just a tactic those people use to get you on the phone?

[ben]

Ronald, do not disclose your wife's SSN# in any way. Once they get the SSN# using this scare tactic, they will surely misuse in all possible ways.

Next time when the company calls you, ask them the purpose for calling up your wife. It might be possible that they are trying to contact her for a past debt. If so, they should have all the necessary information including the SSN#. You don't have to disclose it to them.

Tell them that they should stop calling you at your home and you will also send a cease and desist letter for this purpose. Mention it in writing that you prefer to do all sorts of communication by mail only. Also, send a DV letter so that they can give you the details of the accounts, if they have any.

Make sure that you will send all your letters through certified mail with return receipt requested. You will have a backing of every communication done with them.

Some one with my wifes Maiden name has amased debt in school loans, phone bills and I can only imagine what else. Since my wifes maiden name is in the phone book we have started getting these debt collection calls for the past year. It goes away for a month or two and then comes back.

Once they even threatened legal action against us since we never returned their phone calls.

SO. Can I sue the pants of these people for bothering the wrong people? These calls border on harasment.

[roxette]

Hi dgabler

Welcome to the forums.

You need to handle this situation in the proper and legal way otherwise the debt collection calls will continue at your end. Since someone has already used your wife's maiden name and acquired credit, you need to collect evidence that were used in the crime. For example, her social security number and her last name, the address/phone number that were used when the crime was committed. You need to gather some information so that the law enforcement agency can take specific legal actions.

File a police complaint at the place where this crime took place. It is very necessary to inform the matter to the police as your wife might have been a victim of identity theft.

Inform the original creditors about this identity theft. You will have to show the police case number for this purpose or sign the fraud affidavit. Send a copy of it to the collection agency as well. They are required to stop calling you after receiving your letter.

Write a letter to the credit reporting agency and inform them about this fraud. You can place your wife's file under review for fraudulent entries so that it can be challenged and ultimately removed from your file.

Cancel the accounts that you suspect to be used in doing fraud. You need to notify your financial institution about this matter so that they can take appropriate actions.

Regards
Roxette

I received a message on my answering machine to call this number, they are looking for someone named Henry who may possibly be a relative of mine. I do not have any relatives with this name. Should I call back? Is this some way to get me to contact them for something else? Who is LTD Financial Services anyway?

[4u.bryan]

Hi emma,

Welcome to forums

LTD Financial Services is a collection agency. Perhaps they are trying to verify your relative's address. You can refer your relative's address to them. Or ask your relative directly to follow up the matter. So if they call again, explain the case to them. Hope this would solve the problem.

However, if they come up with an aggressive image in future and start harassing you, send them a cease and desist letter through CMRRR. You can get more info on LTD here-

http://www.debtconsolidationcare.com...lservices.html

These people are evil! Mr. Bill Larry is harrassing me on a daily ordeal. I will contact an attorney.

LTD cn LMB! Fo Sho

We have been receiving nasty calls from these people (Mr. McNerry and his pleasant friends) for months, for a bill we do not owe. Today we received a call that is a recording telling us we have an "important call", but that we need to call the following number (1-800-741-2100). They assure you that it isn't a sales call and that it is very important you call back. They repeat the number 3 times and lucky for you, "if you missed it the message will repeat it self". They do not state who they are or what the call is in reference to. Good thing we Googled it and found this site.