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 Posted: Wed Aug 06, 2008 8:17 am Subject: PayDay Loans |
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I was recently called by PDM a debt collection company, although, they called themselves mediators. Anyway, the guy"Mr.Clark" told me that if I I had committed a serious offense for "writing" a check that I did not pay. He told me that when we hung up the phone that the original debtors were going to make an example out of me and have me arrested at my home or office. I asked to speak with Mr. Clarks boss and he refused and told me to find myself a good lawyer before hanging up. Can I be arrested? I owe two payday loans to two different companies. When I asked Mr. Clark why this was the first time I was hearing from him (the debt was a year old) he said according to the information I signed virtually since it was an online loan, they were not required to reach out to me. I just want to make sure that I cannot go to jail. I have no problems paying the debt back, but he told me I had to pay at least 488 dollars in a matter of two days and I didn't have it.
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tamarathaxton
Joined: 06 Aug 2008
Posts: 3
Debtcc Points: 43
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| Posted: Wed Aug 06, 2008 5:58 pm Subject: |
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No, you cannot go to jail---if his threats were true then I (and everybody else on this board) would be in jail right now. He is just trying to scare you into paying the whole amount owed right this second.
First---how much are the loans for, who are they with and what state do you live in?
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Lorri
Moderator
Joined: 27 Apr 2006
Posts: 1728
Debtcc Points: 20969
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| Posted: Wed Aug 06, 2008 8:33 pm Subject: |
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Oldest trick in the book--which is why we are going to educate you on your state PDL laws. Sounds like Mr. Clark is looking for cash to pay his own bills!
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kscornell
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Joined: 22 Jul 2006
Posts: 3604
Debtcc Points: 32834
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| Posted: Fri Aug 08, 2008 11:50 pm Subject: |
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I had a credit card company collection call today and the guy said I had a payment due of xxx dollars and had I perhaps "just won the lottery? cause thats a pretty big amount due". Definitely the strangest collection call I have ever had.
Don't give Mr. Clark another thought.
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Lorri
Moderator
Joined: 27 Apr 2006
Posts: 1728
Debtcc Points: 20969
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| Posted: Thu Aug 28, 2008 1:14 pm Subject: Same thing |
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I just had the same experience with PDM collections. I called to reschedule a payment arrangement and I was told that if they took that check out of the system the original creditor would require payment in full asap or they would start the process of having me prosecuted.... I live in Alabama and I dont know what else to do so I told him remove the check out of the system.  I am in payday loan checking account hell and I dont know what to do....
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Breesmom
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