Ellis and Crosby finally good news

are they stil able to collect on debits and has this stoped them from calling people as well, I got a call on 9/2/2005 with all the same above situations, caling to throw me in jail and pay and no inforamtion was given when asked for more info was refused, tried calling back today and all I got was the run around and saying that I am now disputing the debit.

any help would be great, I have contacted the Attornet genral as well

JJC...

All you need to do is ask for validation of the debt, and what the original debt was.

After that send a cease and desist letter.

Ted Ellis Crosby & Associates is already in a heap of trouble for harassing people by throwing them in jail, and collecting on past debts and then selling the acconts again.

Perhaps try contacting a free consult lawyer. Most lawyers will give free advise. Be sure to mention that Ted Ellis Crosby is already in trouble for their practicing and ask if they recommend you paying the debt to them or the oringial credior.

that is great news and i am glad to hear that.....


and hopefully their are more people who step up and do the same

FYI: just wanted to let you all know that Ellis continues to do business, probably in ever state. This current injunction has not stopped them.

My mother's case is a little different. In her situation the debt was paid to the original lender; however, once she closed her checking account preventing them from charging her monthly service fees they turned her information over to Ellis. Ellis has attempted to collect money any means possible. This will be an interesting case, I informed Ellis on my mother's behalf that they are atttempting to collect debt on a loan that does not exist. How much longer will this gone on before they are permanently put out of business? Please contact me if you have filled a formal complaint against Ellis or Platinum B Services. My mother is going to file her complaint tomorrow. Would love to add any known information to this case. Please contact me if you are in the state of Texas and feel you have a legitimate complaint against either party.

[email removed as per forum rules-Mike]

Ann, there are many complaints filed against Ellis in the state attorney general office. You will gather necessary information from there too.

Thanks Ben, I have already contacted them and gave my statement. They were very interested in what I had to say regarding my mother's case and what information I had obtained. They have requested that my mother send them a copy of exactly everything she is sending the state of Texas's attorney general. With enough time and enough people using the formal complaint process I think there will be a stop put to Ellis.

They admitted to me that they think they can't be touched. Additionally, the original lender also admitted to me that they can't be touched nor are they worried or concerning about a complaint being filed against them. Chew on that.

They will be stopped. With the information that is becoming more and
more public about Ted Ellis Crosby & Associates, people will know their
rights. It's ashame that those who were tricked and bullied by their
scam tactics paid the ridiculous amount on a single $200 or $300
loan...dishing out $855 or whatever because of fees and interest.

I to, believe that Ellis Crosby and Associates will simply change the
name, his real name is Ted anyway (he's using his middle name) and maybe
change the way about they do it, but all while still threatening people.
Just another way maybe.

Dick Greenburg, who I think is another lawyer in his office, may take
over.

Who knows...but at least some of us can be warned.

I actually found Mr. Greenburg to be very nice. He was helpful and polite to me and arranged payment for me. I paid quickly, but because I wanted too, not for any other reason. I was not pushed or harrased, I just took care of it because I knew it was my debt and it needed to be cared for.You sign a loan note and you agree to terms. Intrest and collection costs are part of that. Just pay the debt as quickly as you can and please move on.

I spoke with Dick Greenburg. He didn't identify himself as an attorney, but their director.

He wasn't quiet as nice to me. He was willing to take my money for my mother's debt (which later I discovered had already been paid). I told him I would pay the original loan value she had agreed to pay, not all those fees they tack on. He told me they would continue to pursue my mother until they collected the entire $755 they say she owed. So, I told him good luck getting it out of her, she has no money to give you. He then told me I should butt out of her busines and then just let it go on her credit report and hung up on me.

He was extremely rude to me the entire time. My conversation with him was probably about 10 minutes long, of which he put me on hold 3 times. I spent more time on hold then I didn't actually speaking with him. Additionally, he alluded to the fact that she should be fired because she used her work computer to apply for the loan. Reality is, he really isn't any better than the others. I did notice he appeared to know the law much better than the previous person I had spoke with, perhaps he is a lawyer, just chose to not identify himself that way and I didn't ask.

Guest, in my mother's case the debt was paid 30 days after the loan. You see they continued to collect service fees from her account without her permission. That's illegal. When the account was closed the original lender turned over her case to Ellis telling them she owed them $480 and they had only collected service fees from her. My mother has documentation via bank statements showing that is false information. Ellis is attempting to collect on fradulent debt/note that was sold to them. That makes them just as wrong as the original lender who sold them the note. When it was pointed out to Ellis, all they had to say was well....we are only collecting on behalf of our client. Their client says....we sold the note so it isn't our debt any longer. There is no one to work out their obvious over sight.

So, the only recourse in this unusual situation is to file a complaint with the attorney general office. My mother lives in Texas, but complaints were filed in both Texas and Florida.

If anyone has any more advice as to how to handle this situation I would greatly appreciate it. Thanks.

Ann, Did she inform them of her desire to do a repayment in full writing? If not, she may have paid back the amount of the loan in services fees but not officially paid the principal. You have to express the desire to repay in full. Is this the case? Just because fees were taken and may have equaled the loan amount, it does not mean her principal was paid.

Guest made a valid point here. That is why any agreements made to repay any debt owed is always important to get in writing. This will prevent any future hassles.

Fortunately my mother has learned allot of valuable leassons as a result of this.

What happended was the loan was for $300. Next 30 days the lender took out the $90 service fee in 1 transaction and on the same day took out the $300 in another transaction. Every 1st like clock work she continued to be billed the service fees. So, yes the principal was taken out 30 days after the loan along with fees, but they continued to take fees out. I am sure when they turned the case over to ECA, they probably are claiming the principal was never paid. I tried to clear up the error with the original lender (because I felt it was a over sight/mistake on their behalf), but they refused to listen and told me to contact the third party collector. When they were contacted they refused to hear it as well.

This company (original lender) cannot be contacted by mail because they will not give you their mailing address. Had they not collected the original loan value in 1 lump payment 30 days later, yes, I would agree with Guest. Now this simple situation has gotten ugly thanks to ECA threatening to arrest my mother.

The original lender only deals in over the phone, on-line, and fax transactions. Since my mother was debited the full amount plus all their transactions costs 30 days later she assumed the debt was paid for. She never contacted them after that point. In the lenders defense, they claim exactly what guest is saying. Although they don't show any records (that they will admit to me) that they collected the original loan value 30 days later as my mother's checking account clearily annotates with their company's name on the transaction. I would have thought this would have been easy to correct, but the lender will not budge and doesn't really care if we have documentation showing they collected the principal 30 days after the loan was paid.

This is the real issue. Of course, now my mother knows getting on-line loans probably aren't the best solution for her when emergencies arise. I would have thought there was a simple solution, but this hasn't been the case. Any ideas as to how to fix this other than filing formal complaints against them (which have been done with AGO in Texas & Florida, and the FTC). I am not sure how to get the original lender who hired the third party people to listen, they claim they sold the note and are no longer owners of the debt. The third party says they are only collecting on behalf of their client and don't want to hear that the loan was paid in full 30 days after the loan was granted. Maybe someone has some kind of suggestion or a different means of speaking to these people so they will actually pay attention and care to resolve this situation. Thanks for the help and advice, it is greatly appreciated.

Hi Ann

Welcome back.

At the present situation, you should contact the credit bureaus and explain the situation to them. If there is any item to be disputed with legitimate reasons, you can highlight those points.

If nothing works to your benefit, you can add a 100 word statement in your credit file which will be shown with a positive view to your future lenders.

Regards
Roxette

I have done this as well. I have done this on itmes that were not mine though. I suppose this would consitute something that isn't your if you did pay it. I am referring to the people who paid Ellis Crosby and got their account sold to another collection company. In any situation like this, if you have the proof that you sent it, and after filing a complaint with the BBB you might be able to get the items removed from your credit report.

It's a shame that Crosby isn't reporting these items as paid.

Actually the paid items are with Platinum B before it was ever turned over to Ellis. I had recommended my mother to file with the BBB as well. I'll check to see if she has done that yet or not. Don't think Ellis has even reported it on her credit report yet. I didn't realize you could write a letter to them explaining the situation and it would turn a negative to a positive. I'll will pass that info on, she needs all the help she can get. Thanks.

Well...I never reported anything to the BBB yet about anything on my credit report. I did make a complaint against a payday loan place because they took back their money at 4AM, instead of the 9AM they told me.

When you look at your credit report online, you can dispute items...and click the reason why, as well as leaving an explanation or memo.

If you have anything saying that an item has been paid, you just put that in the memo, and usually you're info that you provided when trying to obtain your report will be sent to that company, and they'll send you a letter asking for proof or whathaveyou.