I received a call on July 9, 2008 from these people. I work with a law firm, and have for a few years now. I was contacted by Ellis Crosby a few years ago, and frightened and then fleeced out of $600.00 (on a $100.00 debt). I then got my attorney involved, and was shocked to hear that the threats made to me back then were so patently illegal. I have studied consumer protection law diligently for the last 3 years, so when I received a call the other day, with the "good luck as this situation unfolds on you" message, I called back and let this jerk go through the motions, and then let him know that a. I had no outstanding loans from 05, b. that he had to validate the debt, c. that he was breaking the law and stated every fdcpa violation, and d. my attorney would call him back immeadiatley. I then had my senior partner call this guy on speaker phone and demanded the same things, ie validation, and that he was not to contact me any further unless it was through my attorney. He then let me rip this guy apart for his abusive behavior and the man was so frazzled he said something about faxing us an affidavit and hung up. Well, surprise, no affidavit, so we called back to see where it was (haha) and the guy could not find my name anywhere, and said I must have been removed from the list. Called back twice the next day to check on that "affidavit" and was told that I was removed from the list. The guy said "stop calling me! You will not be called again. You are removed from the list!"
This is a patently abusive and illegal scam. I filed complaints with the FTC, Comptroller of the Currency for them trying to impersonate a bank, the attorney general in my state (where these loans are illegal so it is an uncollectable debt anyway) and in the states that each and every one of the numbers called from are located (even though he sounded as though he was calling from India), my state, local, and county authorities, and the BBB's in all these states as well. I haven't heard word one since last week and I am confident I won't.
If you do not owe a debt, and do not know what the call is pertaining to, do not be absused. In any situation, be vilagent with your rights , because they are there to protect you, but you have to aexercise them. The call I received was from Florida.The AG's office there told me that they have received several complaints and are starting an active investigation of these people. Don't be scared. They cannot hurt you. If you can't afford a lawyer, call legal aid in your area. They will help you protect yourself.
Wow, these scammers are trained to ruthless.
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