| Message |
Author |
 Posted: Wed Jun 11, 2008 6:48 pm Subject: Question about cashadvance.net |
|
|
Recently I have been getting calls from a company that claims they are a attorney's office that has been directed to handle my case in regards to a pdl that I got with cashadvanace.net the problem is I dont remember getting a loan from a place called cashadvance.net When I asked the guy is there another name that they go by he said no.Even with not knowing 100% if I ever did get a loan with them. I ask them how much do I owe and he informed me that my balance is $600 dollars. Impossible because I have never borrowed no more than $200 from any pdl. He also informed me that they could only except any payments in two parts $300 each. What should I do? This is the second time he has called my job and both times I have ask him to send something in writing. That states Why I owe this amount. Is this even legal? What will happen if I dont make the payments? I want to make good with my any debts that I have but my income does not allow me to make those type of payment arrangements.
|
|
shavondixon
Joined: 11 Jun 2008
Posts: 2
Debtcc Points: 26
|
|
|
| Posted: Wed Jun 11, 2008 9:21 pm Subject: |
|
|
The best and the easiest way to find out whether you actually had a loan with cashadvanceor not, is by sending the collection agency the letter of debt validation.
Another option is to pull your report form all the three credit bureaus to check for this account. If the account isn't there in your report then most likely that you never had this account.
Inform the CA that you'll not entertain any collection calls from them till you receive their reply on the DV letter.
The collection agencies are bound to follow the fdcpa laws and can't annoy you by calling at your workplace.
However, first thing first, send the DV letter through the certified mail (so that you receive a receipt for the future references)right-away.
|
|
tweetyturner
Joined: 11 Mar 2008
Posts: 279
Debtcc Points: 3264
|
|
|
| Posted: Thu Jun 12, 2008 1:29 am Subject: |
|
|
Dear Shavondixon,
Yes, I fully agree with Tweetyturner. Please do what she has said.
Now, if a CA violates fdcpa then you can sue that collection agency in a state/federal court. If you win the case then you can recover all the damages suffered by you. In addition to it you can also win an additional amount of money up to $1000. You can also recover court cost along with attorney’s fees.
| Quote: | Where can you report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General's office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General' s office can help you determine your rights.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. |
Regards,
Phoenix
|
|
phoenix
Joined: 14 May 2008
Posts: 951
Debtcc Points: 6145
|
|
|
|
|
|
All times are GMT - 7 Hours
|
| Page 1 of 1 |
|
