[jenkarthik]

I had a CA call my mom and represented himself as credit card company. He said I had listed her as a reference and asked all kinds of questions...Am I married kids, where do I work? And She answered because she thought she wa helping me out. Is this legal? Can he say that he was from a credit card company? BTW his name was Sam Davis from Premier Credit.

[ben]

Hi

I checked this company's name in the BBB website and a lot of them are related with credit reporting agencies as well as the loan companies.

I found only this entry that is said to be a collection agency. Is the CA from this company placed a call to your mother?

PREMIER CREDIT MANAGEMENT
5500 Main St. Ste. 106
Williamsville, NY 14221
(716) 633-2483

As per the fdcpa laws, any collection agency is permitted to contact a third party other than you only once. This contact should be done entirely with intentions to locate you. They should not discuss about your debt during this contact and use other ways to acquire personal information about you.

Ask your mom to narrate the complete conversation and see if something was told besides locating you. Remember, that this contact done is allowed only once as per the FDCPA laws. The collectors can't contact her twice on this matter.

[jenkarthik]

Ok so this what he told her:

He asked for me. She said no she is not here. M mom asked him who was calling. He said my name is Sam Davis from Premier Credit and she applied for a credit card and put you as a reference. She also put (my dad's name, and some one else I never heard of) and everey question you answer she gets a point for. So he asked where I lived was I married where I worked and he kept telling her great she's going to get approved. Then he asked my mom for my phone number. She then got a little suspicious and said she didnt feel comfortable giving out that info. So he told her to have me call him. His Phone # was 866-808-7175....Sam Davis. I googled the phone number and I guess this guy has questionable activity. So now I want to know is it legal for him to say that he is calling for a reference for a credit card I applied for? I have not ever applied for a credit card. EVER! Any help would be appreciated.

[roxette]

The approach used over here to locate you was unfair or I would say, illegal. The Rep should not have kept his identity and purpose hidden while trying to locate you.

Next time, when you get a call from this person, start recording it and if it is not permissible in your state, inform the person about the call being recorded. You will have legal proof of this illegal contact.

It might be that the collector is trying to collect a debt from you which you owe. In such case, you should place a call to him and inquire about the purpose. Do place this call from any payphone outside. Do not use your home phone for this purpose. Know the reason of the contact and ask them to validate it if they are seeking collection.

Do not give any of your personal info until you are sure that it is for a legitimate collection. If he asks for your info, tell him that he has used unfair means to contact you and you are reluctant to update your contact address.

Do read this article to know why it is important for you to contact them.

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

Please let me know your take on this

Regards
Roxette

According to some states, it is leagal, as long as it it for COLLECTION only.

A company can not misprepresnt themselves in anyway. What that collector did was call a mult or a surname. It's on the shaky legal side but not illegal either as you are not supposed to divuldge any personal information.

[erzeke1]

I would report his sorry butt to the FTC...Go here and report this immediately. No matter how you look at this it is not acceptable for a CA to divulge any personal information...
www.ftc.gov
They will respond to you within 24 hours if you file online...

If you spent half as much time trying to figure out how to get those EVIL Bad, bad collectors and just take care of your LEGALLY binding obligations you took out- you wouldn't be here. Rocket science I say- Go hire an attorney for more money rather than pay it while your at it. Just pay your freaking bills instead of feeling like a victim.

Spoken like a true collector. Get a life and stop commenting on things you know nothing about!

jenkarthik,

If I were you, I would check with the credit bureaus and make sure that no one has tried to get credit in your name or something like that. It probably was a collector being sneaky, but just to be safe...pull your credit report. Better yet, put a fraud alert on your report so no one can view it without your permission for the purposes of giving you credit.

[lefty832]

If he is a CA then what he did is illegal. Read the fdcpa he used false and misleading statements meant to confuse your mother into thinking she was helping. As guest said check your Credit Reports for any activity not started by you.

[LCW]

According to some states, it is legal, as long as it it for COLLECTION only.

State law is preempted by federal law (the stricter one , or the one which affords more protections takes precedence).. Still illegal to misrepresent themselves or to make false or misleading statements.

[erzeke1]

If you spent half as much time trying to figure out how to get those EVIL Bad, bad collectors and just take care of your LEGALLY binding obligations you took out- you wouldn't be here. Rocket science I say- Go hire an attorney for more money rather than pay it while your at it. Just pay your freaking bills instead of feeling like a victim.

BWAHHHAHAHAHAAAA!~!!!

If you owe it pay it! If you would have updated your demo information like you stated you would on your federal contract than they would not have to call your ref's to get contact info on you. You listed them on your prom note as people to contact if we loose contact w/ you. I am sure you borrowed the money w/ the intent to repay so pay it!

"If you spent half as much time trying to figure out how to get those EVIL Bad, bad collectors and just take care of your LEGALLY binding obligations you took out- you wouldn't be here. Rocket science I say- Go hire an attorney for more money rather than pay it while your at it. Just pay your freaking bills instead of feeling like a victim."


Premiere guy, Why should someone pay a bill that they dont owe? The reason were trying to fight these evil bad collectors is because theyre committing fraud, identity theft and harrassing people isto giving them money. Im sure you wouldnt give money to someone just because they harrassed and tricked your eldery mother.

I had a message on my answering machine from premier credit he did not say who he wanted to speak to and I do not know who premier credit is or what type of credit cards they handle.The message very stern and deep voice went like this-you have not returned any of our calls it is important that you call on monday centrel standard time between the hours of 9am and 8pm,you must call this is not a game.Funny to me I don't know who premier is nor do I have a credit card with them.I have to wait till Monday to call if you can shed some light on premier credit for me I would appreciate it very much.
To answer your question sounds like he was fishing to find out all the info on you he could.when someone calls here to ask about my family I tell them I don't give out any and I mean any info about them over the phone.