Bryan, I live in NJ. What is also odd, is whenI recently opened a checking account, August, with a new bank this did not show up on the chexsystem or a year ago when my mother took my dad's name off because he pasted and added my this bank ran a chexsystem check on me and nothing cam up and that was a year ago. Any thoughts?

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It appears Ellis Crosby has hired themselves a new fast-talking hick named James Davis. He has an unintelligible southern accent and speaks so fast you can't understand a thing he says.

Anyone else heard from this guy?

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Guest,

Generally creditors report your account to CRA. It seems your bank did not inform Chexsystem about your account, which might be the reason your Chexsystem was clear one year ago.

However, as you have mentioned that you have no idea of these overdraft fees, ask the collectors to validate the debt first. Third party debt collectors must provide valid proof of the debt that they are collecting. It will help you understand how much legitimate it is.

So speak to them and get their address. Then send DV letter, make it certified.

Also consult a lawyer to confirm the statute of limitation of the said debt. SOL in NJ is 6 yrs. Still it would be better if you can verify it from a local lawyer and be sure when does the clock start for this specific case.

Hope this helps. Please keep us informing on what is going on.

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Thanks so much for this information. I, too, was contacted by Scott Schneider of Interstate Wire Compliance Bureau who said that I had to wire money before the SOL ran out. Thank God that I didn't wire any money! I was horrified initially but after reading this forum was put at ease. I will be contacting the creditor directly. I have also filed a complaint with FTC.

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Bryan,
Got another from Alliance One, yes there is no such person by the name of Linda Baker and it is an automatic dialer that they use. Spoke to a live person and explained the situation - told her they have to validate the debit by law. She told me send a dispute letter to them. Which I will do and gave me the address in PA. Will also try and contact the bank again. Can you think of anything that I might do? Thanks again

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Guest,

It seems they have not validated the debt yet. Unless they validate the debt, how can you dispute it? So first send them DV letter through CMRRR. Write them to validate the debt they are collecting. Once they receive the letter, they should send you validation within 30 days.

You can add one section in the letter stating that you will prefer to be contacted through mails only. So they must stop calling you. Keep copy of this letter and save the return receipt carefully.

You can browse the list of sample letter for more help-

http://www.debtconsolidationcare.com...mpleletter.pdf

Now, when you receive the validation, watch it very well and check if all items are correct or not. If you find any discrepancy in it, dispute it. You will get another 30 days time to dispute it. Hope this info helps. Get back to forums if you have any more queries

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Bryan, When I asked for/told her by law she has to send me the debit valiation, we are only talking overdraft fees, she asked if I was disputing this and that I had to send a letter stating that, etc, etc. Got the feeling she was avoiding the issue. We verfied information, the address they had on file was not correct, I don't remember if she asked me for the correct address, but between 1998 and 2000, I lived at that address and in March 2000 moved, never recieved anything and the postoffice change of address form is good for one year and never received anything at my new address which I also told her.

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Fine. Send them dispute letter through CMRRR. Mention all the doubts that you have with this debt-

No previous communication,
Chexsystem is clear,
Incorrect address and so on.

You can consult a sample dispute letter.

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__________________
Pay off debt and enter a debt free life.

I am getting calls from Scott Schneider at 866-201-4603 and Charles Siemer 866-225-4872 to collect on a payday loan they say I have that is outstanding. They can't provide me with any information regarding the original loan until it is paid in full, they can only tell me the original loan holder. They said the bank that is issuing this is US National Bank & Savings..how do I know if this is legit?? I thought I had paid this loan off..I am trying to contact the original loan company, but Scott said if I do not pay by tonight legal action will be taken. What does that mean?? Will a police officer be coming to my place of employement or home?? Will I be arrested or served with legal papers?? I am really scared about this..but, I guess that means they are doing their jobs.
Any advice????

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Amy314 - Did they say what state this bank is in?
These people have been giving phoney names of banks. When they told me the name and state of the bank, I checked it out online using the yellow or white pages link and put in the name of the bank and state. It will list all the banks in that state. Read the information on this site and it will tellyou who these people are and how they work bottom line to not pay them anything.

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Amy314,

Don't get scared. You are right, they are doing their jobs. Please understand collectors are not allowed to use scaring techniques. They have to pay a toll if caught red handed.

debt validation is your right. You have done the right thing by asking for validation and they should send it out once you have requested. Ask for their address and send them DV through CMRRR.

View this page for more info on them-

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

Try to locate the original lender and settle it with them directly. Feel free to ask your queries in forums.

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Thanks for all this.
So, if I don't pay tonight what are the legal actions they are talking about?
Seriously, I can't have police coming to my work or my home!!

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What is CMRRR?

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Certified mail return receipt requested.

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That is the point at which they catch consumers. How can police come to your place unless you have done a crime? Remember, there is no debtors' jail in the country.

Creditor can sue debtors, but it requires court hearings first and creditor needs to win the judgment. This was a scaring approach, you need not worry much. Contact the original creditor soon and see what they recommend.

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I really don't know how to thank you for putting my nerves at ease. I have been trying to get contact information all day for this company, but so far no luck.
The company is Debt Doctors..ever hear of them??

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