Bass & Associates, Florida laws on pdl crime

I live in Florida too..look at this website www.paydayloaninfo.org this will help you.

You will find the Payday loan laws for Florida here (just select your state),

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

hope this helps

So does this mean in FL you cannot be criminally prosecuted for defaulting on a pdl. Its after the fact now, but I want to file a complaint and want to know how much of what she told me was a lie. Thanks for the info.
Collection Limits:
Collection Fees: All charges imposed on the lender by any financial institution; lender not entitled to treble damages
Criminal Action: Prohibited

You are right Neensie, you can not be criminally prosecuted for defaulting on a pdl loan in FL. This company banked on the fact that they could scare you out of your money and that you didn't know your rights.This company I believe is under investigation, I'm sorry to hear you lost your $500 to them, definately file your complaints with the AGs office.

Thanks for the information. She said the orignal amt of the loan was $250.00, I paid them $535 which she said were for interest, NSF fees, etc. Which means I definitely overpaid them. Dang it! I have no idea who this PDL is, my fault I know. I cannot find Premier Payday anywhere.

Here's what I have for Premier. Hope it helps you.:

Premier Processing Group
527 Southwest Blvd.
Kansas City, MO 64108
Phone: 816-283-6200 or (877) 878-2700
Fax: 877-878-4700

Thanks for that information. What do I do at this point. Call them to verify the amount of the debt, tell them I paid Bass. Or should I send them a letter with all the information? I am sorry for all the questions, but this was so wrong, and I want to make sure my account really does get credited and maybe get a refund. Thanks again.

Hi neens, I am going to comment on these companies scare tatics for you and anyone else that reads this thread, they will use everything and anything to scare you and they will SOUND so professional that you KNOW that what they are saying is true but fear not all it is is hot air and scare tatics, there is no debotrs prison. Don't ever wire money or gove out new account information to anyone until you have an actual agreement or documents to back up any claims. Good luck and keep posting

Well now I feel less stupid, now I am just angry for falling for their script. I'm usually not that easily intimidated. She said Roth would send out a letter of full payment & release within 5-7 days. At this point do I contact Premier or Roth or both with a letter? I am filing a complaint with the state of Florida tomorrow, I already printed out the forms. I see that you need to put everything in writing with these vultures.

I filed a complaint online with the AG last week about Bass and their illegal tactics, ie. jail time, coming to my place of employment, etc. I foolishly paid them $535.00 on a $200 pdl. Today I received a letter from the financial investigator who is checking out "Ellis Crosby & Assoc/Bass & Assoc". She stated they are already under investigation and sent me a detailed affadavit to complete, have notarized & return. PLEASE, anyone else who has been victimized by Bass, do file a complaint with the Florida AG. She said after they review my complaint, she will advise me of any action take by their office. So, this is being taken seriously. If you need contact infoamtion let me know.

I am glad you filed a complaint with the Florida AG, Ellis Crosby & Assoc/Bass & Assoc should know better than to use that scare tactic, they think that nobody will look up the Florida Laws..little do they know..I am glad you did that

Thanks, I feel empowered after having taken that 1st step. It did not take alot of time, and it looks like Bass will get their due, and then some!

Yea, I also filed mine last night. It will not be long before they are shut down...

I had a message on my voicemail from Bass a couple of weeks ago. The message just said to return the call and ask for Division 320. What the heck is "Division 320" supposed to be. It was really just an extension, and when they answer the extension, they answer it with "processing." I asked the man what "processing" was and he had told me, that it was the processing dept for processing charges. I guess I was supposed to be scared. These idiots do need to be shut down :twisted:

Don't let them jerk money from you. I paid them $820.00 on a $300.00 loan from Aarowhead Investments. I filed a complaint with the FL AG's office as well as the fdcpa...

I just received a call from these people about 5 minutes ago saying the same thing. They are going to file affidavits in my county within 2 hours if I don't pay them. They said there are 3 counts over my head - basically internet fraud & something or other about me having no intent to pay them. I live in Illinois...should I be worried?

File a complaint with the Illinois AG. She doesn't tolerate residents of Illinois being treated this way. Also file a complaint against them with the AG in Florida. I read in a prior post that Florida AG office has received several complaints against Bass and they are investigating them. DO not pay them a dime. There will be no charges put against you. This is a all to common threat from collectors.

Like Tammy said "don't pay them a dime, not even a penny:...They are going to be paying for all of the money that have ripped ppl off for..

I recently have been dealing with bass as well.I was called a month ago and told to pay up or they would fax over an affadavit to my employer. I told her I couldn't just do that right now. They wanted 775.00.I have already paid 720 on a 300 loan. I fell into arrowhead investment's trap. Thought I was paying 90 every two weeks until loan was paid. Unfortanetly this went on for about four months. I finally tried tried to search info I this company with no prevail. Had bank stop payment, ASSUMING that arrowhead would contact me and inquire about this situation. Instead three weeks later I was introduced to Bass. I never called this lady back after she pressured me to pay. I then received a phone call about a month later. Which was friday nov 16 at work again. Different lady this time (Ashley). Ashley threatened that I was going to be charged with internet fraud, bad check writing, and insufficient funds. I was told to pay now. I asked for a printout of the break down of the amount and how they came to that number. She put me on hold for a little while and then came back on and said they couldn't. Then this Evelyn Crabtree got on the phone and used her scare tactics. I finally was intimadated enough to agree to wire money the next day by 4, I didn't and she called back at my home and asked why I didn't pay. I told her I didn't trust her. She then said I was red flagged. I told her it sounds like we have a lot in common. She asked one more time if I would reconsider wiring the money and I said no. She then said welcome to the family and hung up on me.

These guys did the same thing to me. I filed my complaint with the FL AG's office. I actually paid them before I knew they were crooks. I paid $820 on a $300 loan, from Aarowhead Investments. The loan was already illegal, b/c in my state they are all ILLEGAL. I received my affadavit form from the FL AG's office to fill out and send back. I will be mailing it back in the a.m. I would advise that you do the same. If you are like me, I contacted Aarowhead and they told me that they were no longer incharge of the loan, it was sent to ICollect. I called them and left several messages, and of course, no return call. They are losers just like the rest of them.

Nat, I did finally contact arrowhead and they said I had to call this other number. I did and it was Icollect. They told me they are a broker and had bought my loan from arrowhead. She told me I had to call this other number which was bass. I told her I already have that number because they had already called me. She that's nice when I told her that. The way she said it,it sounded like she was mad that I already had the number. I will be filing a complaint as well.

Yea, they are all just a bunch of losers. Let me guess, @ ICollect you were supposed to talk to Lyndsey??

don't recall the girls name. Sounds familiar. Originally I had asked arrowhead to fax me or email me a copy of the loan. They said they couldn't but would send it via mail. Isn't funny that you can get a loan from them over the internet but they can't email?

That is crazy. I think that they know once they start emailing you, that you then have their address and can harass them back..

I just love harrassing the crap out of the PDL people - they think they can scare us, and they succeed in most cases, at least until we hit THIS FORUM and gain strength from the info on here!

Yea, then they realize what idiots they are..B/c we are beating them @ their own game..

natdust20,
Hey can you keep us/me updating on what is going on with your situation. Feels supportive not being alone on this one. I'll keep you posted on what is going on with me. I did file with the Ftc and already got a response. They emailed me information on third party debt collectors. Interesting information. I also filed with Michigan and FLorida but haven't heard anything back.

First of all I'll break down my situation and it may help me or others just compairing notes.

I had a PDL out.. over a year old. I got it.. bad move and have not since taken any more.

Bass and Assoc, have been trying to force me into paying $565.00. Ok I know my PDL was not for that much. I do know my original loan was with FSM who has since changed names and sold my account to Icollect. I have called Icollect and talked with Amy twice and then she called me back. A side note for Icollect is when amy called me back and left a message she said she was with Timberwold or Timberline and quickly corrected herself. Anyway Icollect told me my acount was with B&A and they were the collection agency for them. I asked Icolelct for debt validation and she told me B&A could provide that. I call back B&A and argue with them... Divison 320 or should I say extension 320 gets you a Mr Mellon (I think. I have his name at home if anyone needs it for sure)I agreed to pay them $150.00 partially becasue I knew I owed that much at least and it was fair to start with. I was told by MR M. that he would make sure I got the paperwork breaking down the charges. Two weeks go by and nothing. So I call and play their game. I left them my name and said I have yet to receive the paperwork promised and now I want to know where it is. I held up my end and went that night and paid it. I told them they had my info and I wasn't leaving anymore than I did. They actually returned my call. But refused to send any paperwork. I said I was promised it and did not receive it. She said they don't do that. I could not get a straight answer out of them as to what they do for Icollect. As for the paperwork she told me pay the balance and I will receive it. I asked her if I paid and found out it was wrong what do I do then. She said they would take care of that. I replied with "So you will keep my money and I'll never see it again" and she promptly hung up. I called back and got transferred to someone else. I guess they didn't want to talk to me. Same story from her although this time I informed her that I would be continuing with my official complaint aginst their company with the Florida AGs office. I amnow researching the exact amount sent to collections and going ot attempt to deal with Icollect and pay them the rest of the amount owed.

Quick list of names I have here if you need more detals I cna get them at home later just reply and ask

Bass and Associates

Extension/Divison 320 MR Mellon (Not Sure)
Extension/Divison 321 M Reyes - Maria Maybe

I also have a name given to me by Icollect of Marcia Sanchez. I have a number that seemed to get her out of the office maybe a cell.. She is supposedly a supervisor.


Other names of people I contacted
Maria at FSM- New name now OSL or something
Lindsay Icollect
Amy Icollect

If anyone needs more details I can get them later at home.

Kyle

I live in PA. I am not sure what my next step should be. I took out a $200 loan from Arrowhead and it appears from my bank statements I do owe them some money. I got a call from Bass to pay them $562.50 by 6 pm. I did not pay. I called Arrowhead and asked if they dealt with Bass. She told me she don't think so and asked if they were threatening me. I told her yes and she told me not to worry about it and contact this Lindsay. I am assuming it's the same Lindsay from the previous post. I contacted her and left a message and I have yet to hear back. I am not sure if I should wait to hear back from her, call her again or contact Arrowhead. I am new at this and I don't know what my next step should be.

calvin, I received my response from the ftc about 1.5 weeks ago, and also my affadavit packet also. I filled it out and enclosed all of my copies and etc. and I mailed it out the monday before thanksgiving. I am waiting for a response back from them.

Aerogirl34, First of all did you pay back any of your loan to arrowhead. Give us more details of the loan and if you paid anything. Lindsay is from Icollect. Arrowhead sells your loan to this company. They play a silent partner in the deal.They usually won't contact you,they just turn your loan over to Bass & Assoc. and then the fun begins.

natdust20, I am filling out my paperwork from the florida AG as I speak to you. I will let you know whats up. I haven't heard from bass since November 16. I know they have my cease and decist letter. Wonder what their going to do next?

Aerogirl34, First of all did you pay back any of your loan to arrowhead. Give us more details of the loan and if you paid anything. Lindsay is from Icollect. Arrowhead sells your loan to this company. They play a silent partner in the deal.They usually won't contact you,they just turn your loan over to Bass & Assoc. and then the fun begins.

I just received the same type of call with almost the exact same script from this company. I almost fell for it too. Something made me call information and they were not listed. Then I called the company back and the manor in which they answered the phone definitely let me know they were not an attorney's office. The woman who called me was Jenny Jordan and she had said she was an attorney and in the end she became beligerent and said she was just going to process me. She also asked me if I thought she even cared? She said she could care less and hung up. The man I spoke to during all of this, Erwin Belfort said he would not make payment arrangements with me and he went on to say that charges were being filed against me by the State Capitol and the Governor (California). He also said someone would be picking me up at my job and they would not be delivering candy. These people were rude and unprofessional. As I asked more questions the ruder they became. I did call the Jacksonville police department but they said they could not do much. When I went to google I found all of you thank God. I was going to try to work something out because I do plan to settle my past payday loans. I just can't do it overnight but I will do it. Good luck to you all and Happy Holidays!

Ingy--

Here we go again with this "process." Did they tell you what they mean by "process" b/c I would really like to know. They've threatened me with that garbage too and I guess it is supposed to scare someone.

Received a call from a man from this organization
This evening. He asked me how i was doing and then
Quickly proceeded to verbally whip me with legal threats of which he was only willing to describe in
"general terms". He attempted to obtain my personal
Security info such as my social securtiy number. I advised him before i give out any personal and private
Information, i would need to know exactly the reason he was calling for. Upon responding to him in this matter, he became angry and proceeded to threaten me
With everything from internet fraud to grand larceny.
I stood my ground & bluntly advised him, that if he wanted the conversation to proceed for the sake of communicating, he would need to "cut the crap" of rediculous threats and get down to exactly why he was calling me. Upon advising him of this, this man became extremely beligerent & began shouting into the
Phone about who was in charge. I tried to reason with
Him for approximately 3 or 4 sentences; but it became
Obvious that he chose to continue shouting. He attempted to intimidate me again by shouting i now have no chance to resolve this issue & legal action will be taken. I hung up on him. He attempted to call me back & i was unable to answer the phone. Since
He told me i now did not have a chance to resolve the
Issue, i thought it unique that he chose to call me back seconds later. Obviously his only purpose was to
Continue to harrass me. Normally, i would not give a
Person like this the time of day, but i decided to call him back & advise him that he was out of line not
Advising me exactly why he was calling and by not providing me the sufficient information to understand
What he was calling me for. I also wanted to let him
Know that a complaint would be immediately filed to
The florida attorney generals office and i would be in
Hot pursuit of my own attorney to see what laws he has
Violated. I feel bad for the people that this organization has "riled" up. With all the wonderful
And blessed possibilities that we have here in the united states alone, to entertain our life here on
Earth, i can not even phathom why someone would want
To spend their time projecting beligerent harrassing
Behavior.
Can
No chance to resolve the matter & legal action
On him.

They have called me also and refused to tell me who they were collecting for. My advice to you, is FILE that complaint with the Florida AG, the BBB, your state AG, and the FTC. This company needs to be stopped :evil:

I just registered to this site after having my first call from Bass & Associates Yesterday. John Stickland called me at work. I told him I have no idea what he is talking about......and I said I will not be paying for something that you have just called me about.....without a little more information. He said I need some more information on you to complete this form. ( a form to file charges against me in Oregon for Security Fraud ) I told him no....he told me I owed 571.00 and again I told him uhhh no...and laughed at him...and then he hung up....But for those of you who are worried about this type of harrassment being real....they CANNOT arrest you for not paying this type of loan. especially from your bank account. There are Federal Laws that protect you from these types of loans...where they automatically take out the $60.00 every payday...not giving you a chance to pay any principle...and then when y ou try to call them you cannot get in touch with them....
Here is the infomration that I found.....and also...here in Oregon the only fee they can add on to your original loan amount is the NSF fee of 25.00...and only one fee.... I hope this helps..... Thanks Alot guys for the posts because I was informed...I dealt with them...filed complaints and am getting it all taken care of.........

Duplicate Content removed as per forums rules. Please follow the link for the original content - Mike

Bunny Hunny,

Welcome to the forums :-) Thank you for finding this old link about Bass & Associates. I believe this other info is already posted in the forums but thank you for the refresher. I'm glad that you stood up to them. This place needs to be shut downf or their illegal tactics.

Bass needs to get new lines. I wish the AG of Florida would do something with them. I have dealt with them and they are a carbon copy of Ellis Crosby! Connection? You bet there is between the two.

Tammy,

I think they are being investigated by the AG's office in Florida. Get those complaints in folks if you are dealing with these idiots!

I hadn't seen that. Sorry :oops: . This company needs to be stopped and keep sending the complaints.

Well, don't quote me on it but I thought I saw a post on it around here somewhere.

they said and did the exact same thing to me neens at work it scared the crap out of me thank god i found this website before i sent them any money.Iam filing a complaint with the ag and anyone else i can i have already paid the loans off i lost my house.

I wonder what the collection agencies would do if they know this site is out there? Would they try to "download" us? All I have to say to them is "GOOD LUCK" :)

Some collection agencies and some of the PDL's already know about this site. Every now and then an employee will pop up and post something. We have even had Vice Presidents of companies come to this site and post.

Wonder if anyone from Bass and Associates?

Oh defiantly, we had some trying to come on and pretend like they were dealing with Bass and saying how they had a wonderful experience and so on.
We had some come on and try to bad mouth us..a few of them are on this link, towards the first few pages and throughout. It was quite funny, but we quickly got rid of them...we just ignored them after awhile.

http://www.debtconsolidationcare.com/creditors-information/about13221.html

I just read some of those posts from Bass and Associates. LOL! I had a pleasant experience LOL! Too funny!

I believe some of them are still around.I know a lot of places watch these boards on a daily basis. We have some members who have been harrassed by places, because of the posts they have made on this board.