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Posted: Mon Jun 05, 2006 6:03 am Subject: P. Scott Lowry Law Office

Has anyone every delt with P. Scott Lowry Law Office before? I checked my bank account this morning and saw that my bank posted a $50 electronic check from them. I never gave them any of my bank account information. The only way they could have gotten it was that I payed my Chase account directly online. I set up to post-dated checks with them. Chase must forward the payments to P. Scott, since they are the collection agency handling the account. The payments I scheduled online were for $70, but they took $50 and they took it before the date I had put on the checks. I have confirmation numbers and everything from Chase showing that the first payment was dated for 6/10, not 6/2.

I know this is not legal, is it? I tried calling P. Scott, but I guess they aren't in there office yet. Should I also call Chase directly and ask them what this is all about? What should I do? This really scares me that someone would just take money from me like that. Please help!!!!!

Posted: Mon Jun 05, 2006 6:20 am Subject:

Making unauthorized debits before the due date is illegal. Show your proof to the collection agency as well as the original company about the debit done before the due date. Also check if the money has been transferred towards your account.

Explain your problems of dealing with this CA to the original company. I guess they can pull back your account from this CA so that you can deal with the creditor directly.

Posted: Mon Jun 05, 2006 6:52 am Subject:

That is so wrong! What would have happened if the funds weren't in your account? You would have got slapped with an overdraft fee for at LEAST that debit..Checks may not have cleared.....

I would call Chase immediately and ask them to recall your account.

Posted: Mon Jun 05, 2006 7:04 am Subject:

I agree with others!

For them to make an unauthorized debit is illegal. Did you ever get a letter from the law office stating they will do this? If not, thats a HUGE no no.

Definitely contact Chase.

Posted: Mon Jun 05, 2006 7:14 am Subject:

I never received anything from them saying that they would be taking money from me. I actually talked to them 2 weeks ago and tried to set up arrangements. They wanted these huge deposit amounts that I coulnd't afford. They wouldn't accept my $70/month. At that point I went to Chase to see if my online account was still active and it was. I was able to do the post dated checks directly through Chase. When P. Scott called to harass me some more about the debt I explained to them that Chase excepted my payments. The rep I spoke with said that I couldn't pay Chase. I had to pay them (so they get their commission). I told them that Chase accepted it and I would be paying them. She then put me on hold and gave me their address and asked that after the last post dated check I made to Chase, to start mailing my payments to them. I thought everything would be ok. I never dreamed that they would do this.

I was very lucky that nothing bounced, but there is a very good chance that it could have, since I am so tight with a budget and my bank account. Sometimes I pay out so much, I am only left with $5 till the next paycheck. I did get lucky this time, but I am just concerned that they might do this again. They are supposed to be a "law office". Shouldn't they know this is illegal? What jerks!!!

Posted: Mon Jun 05, 2006 7:18 am Subject:

I find it very odd that they would not accept your $70 a month but they had no problem taking $50 from your account without your authorization.

For them to say they are a law office is a joke because it is perfectly illegal to do that. Contact Chase and request them to remove your file from the P.Scott company immediately since they are accepting your post dated checks (they even deposited in their own account).

Anti-Scott · Posted: Wed Jul 25, 2007 10:38 am Subject:

Digging up an onld one here, but I will inform you that they are currently pursuing $6000 from a person I know. They are intentionally trying to mislead this person by saying they are collecting the debt for the credit card company, when they have purchased the debt and are simply trying to collect it from themselves. They have continued calling after a certified letter was mailed out specifically stating they could not contact this person via phone again. They are dishonest, crooked, and greedy. If you ask me, no one should pay them, regardless of the consequences. If anything, make sure they send you verification of the contract that you signed to pay them the debt owed. It seems it's common that they won't send you any verification and hope to only win judgements against you by default from you not showing up in court to dispute it. Fight the crooked lawyer boy! Fight him!

Posted: Wed Jul 25, 2007 11:01 am Subject:

This lawyer is part of the cacv,cach,and collectamerica group of dirtbags. Our members have had personal experience with them and they are crooks.

Posted: Thu Jul 26, 2007 6:17 am Subject:

They can drive people crazy with their sleazy collection tactics. They will lie to you, threaten you that they can garnish your wages, seize your property or put you behind the bars. Their motto is ( mean unstated motto Wink

) “Harass them until they admit they owe the debt, even if it’s not their's” I have even heard that they change the date of the debt to make it look much newer. And if you ask them to validate the debt (which they can’t) they start using illegal tactics. So beware of them.

Posted: Thu Jul 26, 2007 6:34 am Subject:

yes as Cajun said this is CACH! Do a search at top of page on CACH!!
This is NOT legal!! Make sure to send them debt validation letter immediately with return reciept! Don't mess around with CACH, they play dirty!
Stay on top of this and ask any questions u may...
Chase must love hiring CACH, that's my credit card too that was turned over to CACH!
Good Luck,
Ang

Posted: Thu Jul 26, 2007 7:43 pm Subject:

Report this unauthorized debit to your bank, and by law they must investigate. If they don't, you can sue the bank. The best thing would be to open a new account with a different bank. This should stop the debits. Only pay collectors with money orders and the like. Never let them have any banking information.

Eddie in Florida · Posted: Sat Jul 28, 2007 3:11 pm Subject:

Lowry is a crook! When dealing with him, call his bluff. I had an exchange with him several months ago. He is a compulsive liar and a snake and should be disbarred. If you hit him with DV letters and Cease & Desist letters, he will back off and send it to another sleazebag. He is lazy and won't respond to DV's because his slimey "clients" can't prove anything.

Here is a new one for you wonderful people!

I just got involved with these people. I sent them a DV and they sent me back (6 months later!) a generic visa/MasterCard agreement. Nothing with my signature, nothing with my account info, and no statements of any kind.

Can they do that? The lady I am talking to is really nice (so far) and it trying to find the info (so she says).

Also, add Credit One Bank to their list of companies they work for.

Posted: Fri Sep 28, 2007 12:28 pm Subject:

Send them another DV letter and state that what they sent prior is completely unacceptable and they need to address each item you are requesting and provide the proper information or cease all collections.

Debt Collector · Posted: Sun Sep 30, 2007 9:24 pm Subject: P. SCott Lowery

CACV/CACH. Argentum, and thi like are a 350M dollar company that perchase "BILLIONS" of dollars in Debt yearly. As a past employee of Scott, I enjoyed working "FOR HIM" his collection managers and lay debt collectors are THUGS, LIARS, CRIMINALS, and CON MENS, "AND WOMEN". THey are currently payin gless than """".09""""" thats NINE CENTS, one the dollar for their debt. THey can get actual contracts as long as it is not over 2 years from the opening of the account, and on some, there is no chance of ever getting a single document that shows they have a right to collect from you or charge you interst. If you get a letter or call from them, call your local Attorney General, Write the AG a letter regarding your experience with them, and copy SCOTT. He needs to know who is making him look bad so he persoanl can fire them, AND HE WILL. It is his managers and collector oing this crap behind his back. But selling COlelct Ameica for 350M , he can afford to pay a fine or two. Which by the way, HE SAID HE WOULD NEVER SELL "OUR COMPANY" .... A real man of his word!

Jacobe · Posted: Tue Oct 16, 2007 8:42 am Subject:

So the saga continues. I just got a "verification letter" from the law firm and the amount went up 200% since they original letter they sent out. It has taken them 4 months to send me what I asked for now they are charging me fees to get verification.

Anyway, I sent them a settlement letter (certified mail) today and told them I would settle for $450. Not the $1,300 they now say I owe. They just called me on the phone and i explained that, I sent out a settlement letter and was awaiting a reply via USPS. They asked how much I would settle for and I said 450.

They then said that I had to pay the entire thing or go to court. I then explained that I was leaving the US anyway and would not be returning any time soon so they could accept the agreement or not. Did I do the right thing?

I am confused and I have no idea what to do next. Any help would be greatly appreciated. Thanks!!!

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