Folks - DON'T let this company talk you into paying what you don't owe.
From the posts recently and what I'm hearing through the grapevine, this company is trying a new dirty tactic - falling silent for a while (sometimes years!) and then calling clients who thought they were paid in full and claiming they owe THOUSANDS for the measly $200 loan they took out (and most likely paid off).
It is not unusual for this ILLEGAL COMPANY to try and call you at work, threaten to talk to your supervisor, and even try to talk to the president of the company you work for. Their intent is to embarrass you to the point where you will pay them just to get them off your back.
Keep these things in mind:
THEY WANT YOUR BANK ACCOUNT INFORMATION.
Don't give it to them. Giving them access to your bank account will give them free rein to take your money - and they will do so - repeatedly.
THEY WILL THREATEN TO SEND THEIR "LEGAL TEAM" AFTER YOU. Tell them to go for it - and give them directions to your workplace! Call their bluff. They don't have a legal team. They aren't even located in this country. And since they are operating illegally, tell them you'll go them one better and meet their legal team at the courthouse with a team of your own, including attorneys and state police.
THEY WILL CALL YOUR WORKPLACE REPEATEDLY. The only way to stop this is to come clean with your supervisor, payroll manager or HR manager, and ask them to help you stop the harrassment. And call it that - harrassment - because that's what it is. This company will not hesitate to tell anyone in your company that they talk to that you owe them money, and how much they think you owe, and that you're a bad person for not paying your debts. (Just an FYI - that's against the fdcpa - discussing a debt with anyone but the debtor, unless they have permission to do so.) Your only recourse in this situation is to explain to your supervisor/HR manager/Payroll manager that you DID at one time take out a loan with this company, but that you didn't know they were an illegal company - and that your loan with them was paid off long ago - and that this company has no legal right to be calling you for anything.
STAND FIRM!! Do not give in to the strong arm tactics that Rt. 66 is using. They are tricky - they will try to trick you into saying your supervisor's name or giving information about your bank account - anything to try and get you to pay what they want. Don't give in - no matter what. If you paid your loan off after you took it out, or you paid enough rollover fees to pay it off plus the interest allowed by your state law, don't pay them another penny - and definitely don't let them convince you that you owe thousands on a $200 loan.
BE SMART. Stop and think about what Rt. 66 is saying to you on the phone - you owe $4000 for a $200 loan?? What law in our country would allow for that kind of interest - even over the course of a couple of years?? It's robbery and they know it. Don't let them convince you that the amount they are asking for is for "fees" or "interest" or "legal fees". It's all bull - and they know it.
Finally, don't beat yourself up over having taken a loan out with this company. Don't feel badly over having been taken in by this illegal entity. When they finally realize they can't get you to pay, they will leave you alone and move on to the next person on their list. It may take some time to get them to go away, but eventually, they will.