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Posted: Wed Nov 28, 2007 12:17 pm Subject: threatening phone calls

i have a loan with total lending for $250 which i have already paid $75 it is in default. they come calling me talking about i'm in collections i can either pay the loan off or get a civil action against have police come to me my job and serve mme papers!!! after i hung up in his face he preceded to call me ova and ova again like at least 30 times if not more. i told him that i will report him and they company is illegal and he said so go head i don't care i will continue to call u everyday every hour can he do that

Posted: Wed Nov 28, 2007 12:18 pm Subject:

what company are you dealing with?

Posted: Wed Nov 28, 2007 12:19 pm Subject:

I believe she is dealing with total lending. Its one I never heard of.

Posted: Wed Nov 28, 2007 12:31 pm Subject:

what in the world!

Posted: Wed Nov 28, 2007 12:33 pm Subject:

My thoughts exactly Jay!!

Posted: Wed Nov 28, 2007 12:36 pm Subject:

total lending inc

Posted: Wed Nov 28, 2007 12:37 pm Subject:

thats an internet payday loan company

Posted: Wed Nov 28, 2007 12:40 pm Subject:

Latoya, if you do a search in the above box , you will find lots of info on this company. They seem to be highly illegal.

Posted: Wed Nov 28, 2007 12:46 pm Subject:

ok bc i need to put an end to this i sent all my other ipdl letters revoking them contacting me at work and i haven't had a problem out of the other ones only these buttholes

Posted: Wed Nov 28, 2007 1:17 pm Subject:

latoya PM'd me regarding this. I'm not an expert with serious harassing phone calls, and figured someone who has experience could help on how to get them to stop.

I know a few people have someone answer for them and tell them they don't work here anymore, but I'm not sure if that would work for you. Office situations tend to vary, and what works for one might not work for another. Do you have a direct line or are they transferred to you?

Posted: Wed Nov 28, 2007 1:23 pm Subject:

i have a direct line that can b pick up by any1 in the office

Posted: Wed Nov 28, 2007 1:24 pm Subject:

So they do call you directly, but if you are gone and it is ringing people tend to pick it up for you? Or does it automatically switch them to the main line to be picked up by someone?

Posted: Wed Nov 28, 2007 1:36 pm Subject:

when im gone it either goes to the company voice mail very rarely do someone pick it up but they can also dial 0 and then it will b transferred to some1 here in the office

Posted: Wed Nov 28, 2007 1:56 pm Subject:

So it would be difficult to get the whole office to tell anyone calling that you don't work there right?

I guess next time they get ahold of you, act very sweet and polite. Say you understand that they've been trying to get ahold of you, and you would like this matter resolved quickly (don't say anything exactly about you owing them money, always use "this matter", or that you've sent them a letter 'regarding this matter'). Then ask you will do what you can to resolve this matter if they provide you with a bit more information. Ask for their address (if they tell you they don't have one, say something like "that's odd, you think a business would"), ask for their license number...... This will get them to usually hang up, and if you stand your ground they eventually know that they can't trick you...

If they continue to call after that, you next phone 'voice' will be strong, and tell them that you've already discussed the matter with them, you've sent letters regarding the matter, and you know your rights and they can't threaten you like that. Then ask for the name of the rep again and ask if he has an extension....

If they continue after that then I don't know... Have you filed a complaint on them yet? Especially now since you have a threatening phone call...

Posted: Wed Nov 28, 2007 2:11 pm Subject:

who will i filed a complaint with and every1 in the office knows about him so they will just say i will b out of the office for the next couple of months due to medical reasons or sumthing to that nature bc everytime he call we told him that he can't keep calling me at my place of employment like this and he said r u my supervisor i can do what i want so he a real piece of work!!!

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