[ladybug]

good question I would like to know the answer to this one.

ladybug

[FloridaRon]

As I understand it, the voice mail is fair game as they did leave it knowing full well they were being recorded. So if there is anything threatening or illegal on that, then "BAM" slam dunk fdcpa violation case.

I was only checking to see if Ronxeanne0729 had to get their consent to record any future phone conversations with these half-wits!

Of course, I could be wrong about the voice mail so I hope someone comes along and corrects me if I am.

Legal mediation practice called my parents house and left a message saying, I need to call them back at 800 201 0565 immediately regarding a time sensitive matter. At the end and wish me good luck. This has strongly scared my parents who are immigrants and any legal term worried them. I do no know what's this is all about. What they doing is totally illegal and invade innocent people's privacy. I have been frauded in 2003 for $50,000+ from this company located in New York saying they called from Dept Of Treasure. Threatening me with possessing my property by government, etc. After the fraud, i was depressed for almost a year. This is how a innocent and honest person finally learned there are those bad people out there. Those are the people should be put in jail. I am still upset about what I have been through.

[FloridaRon]

Are these idiots still running the "Good Luck" at the end of the phone message scam? I mean, what normal person tells someone "Good Luck" at the end of a message, unless they think it's intimidating to the one receiving it? Personally, when they did it to me (after I had sent them a DV and C&D letter) it ticked me off!

Upset, you could call them back and see if they will give you any information as to what they are calling about. My guess is, they will not. At least not without a fight. Likewise, if you try asking for their address, they will not give it to you.

Just send them a debt validation and Cease and Desist letter, by USPS certified return receipt requested. If they call you again, without validating the debt, then get an attorney and sue them for violating the fdcpa. If you still have the message where they wished you luck, keep a copy of that too. And, if you can, you might want to record any phone calls you have with these idiots! Make sure to check if you can record them without them having to consent to it.

Above all, don't let them intimidate you or aggravate your parents. These jack-asses break the FDCPA at every opportunity, they need to be held accountable for this.

[ezrunner24]

Amen to that Ron!!!

Had collecion agency call me yesterday forgot the name Trojan or something like that. They gave me until 2:45 to pay.

Once they were done with their speil I began quoting the fdcpa verbatum (i have it next to my phone) the shut up real fast. 18776472700 is the number. Anyway thanks to this thread and the members here I was able to adequately handle these clowns. Just need to locate an addres to DV them off to search

[ezrunner24]

I foundinfo on this company in my above post. Started a new thread Tritium card services

After a day of making myself physically sick = I feel much better about finding all of you! Mr. Taylor called me today and told me that I had until 9:00 a.m. on Monday or they would be at my work with a summons to court. I was just diagnosed with a life threatening illness and I have enough stress in my life. I have missed so much work - this may put my employer over the edge. However, I am not going to let them bully me. Can anyone tell me where to get a copy of what to say in a cease and desist letter and a debt validation letter?

Again, thank you so much for everything....I can sleep tonight!

[FloridaRon]

Now how the heck did an Il-legal Mediation Practice post come in under my radar?!? Must have been too entertained by our "No Nonsense Collector" posts and missed it. Need to pay more attention.

SickAndScared, first off I'm sorry you are going through this. Please don't let these jerks intimidate you at all. They are so full of crap with their threats it isn't even funny. You have bigger worries right now with your illness, rather than being scared by their illegal tactics.

I'm guessing 9 AM rolled around today and the SWAT team didn't show up at your job to rough you up? You just have your first verified violation of the fdcpa. The first of many, I assure you.

Here is a link to the letters section of the forum: http://www.debtconsolidationcare.com/letters/

What I did, is merged the debt validation letter with the Cease and Desist letter so I could kill two birds with one stone. I made sure to specify I only wanted them communicating with me directly through USPS. When you send the letter, make sure you send it certified mail, return receipt requested.

On a side note, I had a postal worked tell me certified mail was all I needed to do. He said since you can go to the USPS website and track and print out the receipt the shows date and time of delivery a signature card was redundant. Personally, I feel safer getting the signature card back to me in the mail. Just thought I'd share what was told to me.

I hope things work out for you in regards to your health, and please keep us posted on any problems/progress you have in regards to Il-legal Mediation Practice.

Also, you might want to register here, lot of helpful and good information available.

Just got a call from Legal Mediation Practice threatening me with Criminal Court action if I don't pay from 6 pm this evening. I've heard that you can't be prosecuted in the State of Texas for writing a check for a loan. However I never wrote a check. I gave them my checking account number and when I told the lender Cashnet USA that I didn't have the funds they went "crazy" trying to withdraw money from my account for different amounts over a 2 week period so that I was negative $700 dollars because of the $30 dollar overdraft fees. The bank closed the account and now Legal Mediation Practice is threatening me with jail time for the account being closed. I took the loan out in June 2007 and the bank closed the account in August 2007 because I couldn't bring the account back into "good standing". I asked the bank to put a stop to it, but they said they couldn't do anything until I brought the account back into the black. I didn't have the $700 dollars to do that so they closed the account a month later in August. My question is can they prosecute me for this in Texas?

[FloridaRon]

Man, I really love these idiots! Legal Mediation Practice, you never fail to amuse me. I am going to have to ask them if I can have a tour of their facilities some day; I'm dying to see what type of people work there.

Larry, I wish your bank would have told you to fill out and "Affidavit of Unauthorized ACH." This would have helped you out back then when the account first became overdrawn, as you had advised Cashnet not to attempt to debit your account. As it is, it's probably way too late now. You could check with the bank, I don't think it would hurt to go into a branch and explain to someone face-to-face exactly what happened. You never know. I'm also very surprised whoever you talked to at the bank couldn't use common sense and see the overdrawn balance was caused by the NSF fees from the attempted debits.

LMP is just trying to scare you, Owing money is not a criminal matter it is a civil one. The worse they can do is sue you for what you owe Cashnet and, considering they have alrady broken the law (The fdcpa) by telling you they are going to pursue criminal court action, I doubt that will happen.

Also, since the account was opnend at the time they attempted to debit your account, and was subsequently closed because they overdrew your account, I'm pretty sure you can't even be prosecuted for "passing worthless checks." No matter what state you live in.

I would send these idiots a debt validation request and a partial cese and desist letter immediately. Tell them you only want them to communicate directly with you, by mail. If you need examples of these letter, check out my posting right above yours and you'll find letter examples there. Make sure you send the letter certified mail, return receipt requested.

Also, please check out this site and register. There is a lot of good information here that might help you out.

Keep us posted as to how things work out for you.

Just received another call from Mr. Holt with Legal Mediation Practice! He said that because I hadn't paid like I had said I would, he was going to have to file a report with the D.A. on me unless I could come up with a "good faith" downpayment. When I told him I didn't have the money he "demanded" to know where I was at so that they could come and deal with me right now. I told him that was a threat and that legally he would need to file a report first so a Warrant could be issued and hung up on him. I have tried to get a hold of Patrick Goss the Attorney in Houston, but he is in London for a few days. He is an attorney that I saw in one of the earlier posts as having filed a "class action lawsuit" against them. I was going to just let it go as they hadn't called me since Monday. After today's call I am even more eager to go after them!! I am not able to record their conversations as they are calling me on my cell which doesn't have that capability. I am a little worried that they may try something stupid like sending someone to my house to harm me or my kids though, as he did have that Italian "mob" voice and attitude. Does anyone know if they are connected to the mob? Are they real Attorneys like they say they are? Really worried, but I don't have the money. I have been having a hard time with money the last few years since I went through a nasty divorce. I am a single parent with a 16 yr old daughter living at home with me and 4 sons (for whom I pay $900 month + health insurance) who come over every other weekend. I am worried that they may actually be in some kind of danger because of all this. Is there anything I can do legally? Embarrassingly I am a former Police Officer here in Austin but, I haven't kept up with the laws these past 7 yrs and they have changed quite a bit.

[FloridaRon]

Larry, considering LMP is located in Jacksonville, FL (yes, right here in my hometown) I don't think you have much to worry about. I doubt Mr. Holt will travel from Jax to Austin, TX (got that from your post, correct me if I'm wrong) to "Take Care of You." The fact he demanded to know where you were at, makes me wonder if he even knows where he's calling. Must be using an auto-dialing system now.

Make sure you send them a DV letter, and partial C&D letter. Send it CMRRR. I'm willing to bet that will be the last you will hear from Mr. Holt and company.

No, I'm pretty sure they are not attorneys. I wouldn't find it, however, hard to believe they are members of the mod. As evidenced by their mob like actions and threats. But I'm guessing the mob has higher standards and wouldn't let him in.(joke)

Please don't let them intimidate you.

As you are probably already well aware, Mr. Holt has already violated the fdcpa severely. Next time he calls you, press him for details, or even better, let him leave a VM on your cell phone. I'm betting he will violate the FDCPA at least once while leaving the VM. Then record the voice mail on a recorder or your PC and save it for when you finally get enough of their law-breaking and sue them.

Hope this helps you some. Post more questions if you have them.

Please, consider registering here. If not, make sure you read all you can on this website and ask questions when you need to.

Lots of good information to be found.

its amazing how these people can intimidate people and get away with it. Everything is a civil matter, Not criminal.

I GOT A CALL FROM THEM AND THEY ARE THE SAME COMPANY THAT HAD ALAW SUIT FROM THE STATE OF florida atty general for violation fdcpa regulations. i am expecting them to threaten me ll they wnt but they have no idea where i work a far as purposel writing a check and notpay it, some times there are circumstances as a loss of a job s in my case. i work for a collection company so goodluck all our calls are recorded and can be used in court. but they cannot come and get you and ou in jail no matter ho much they threaten you it is alo against fderal regulations that they talk to you like that and discolse persnal information without permission. if they cal again and violte your right , tell them that the flrida atty general will be notified andthey will ave to change thier compny name agin due to a law suit.

My husband got a call from these people at my fathers' house so he returned their call. They too threatened jail.......never identifying themselves of being a debt collector. My husband got scared and thought it was a cop or something.

I tried to explain this company too them after doing research. debt collectors are there to collect a debt and that is it. They can hold you responsible in a civil court, getting a judgement against you and garnishing your wages...which most of the time is about 20% of your pay per a check. They cannot criminally prosecute you for a payday loan and try to say it is a payday loan.
You write them a post dated check for the future in which they hope or assume you will come in with the payment to repay the loan in cash and they will give your check back to you or reloan to you. If you do not come in or contact them they will deposit your check to get the loan repayment.
However, this is still a loan, just like going to a bank and getting a line of credit and such. The only difference is you do not have to give a bank a psot dated check.
Passing a bad check is writing a check for the amount of whatever good or service you are getting, with the same day date on it, knowing that there are not enough funds to cover it. Whose to say that you assumed when the payday loan company was going to deposit the check that funds would not be available (ie pay check was less than you thought it would be.)

LMP business tactics are defintely illegal....but too put them out of business would be hard to do...

However after calling them and having a guy call me "stupid" I begin to read the laws of the website and he hung on me...after denying to me that they are a debt collection agent.

My husband will send payment to the actual payday loan company.....this LMP place sounds untrustworthy to me.

I made a mistake in my last post:

I meant to say that they cannot say that a payday loan is considered passing a bad check.