Need Help with Harrassing calls !!

Seems i remember seeing this First National on the forum. I will try to search it and see what i come up with! U need an address to send them a cease and desist letter to get them to stop calling ur work!
I'll get back to ya ASAP,
Ang

Read this and see if this is the same company. Sorry i didn't have time to go thru all of it....
Hope this helps u some,
Ang
http://www.debtconsolidationcare.com/forums/collectionbureau-3.html

Next time when they call, answer as if you are someoneone else and tell them you no longer work there. Send them a letter requesting they validate your debt. In that letter you can instruct them to only contact you via usps or e-mail.

I was thinking same thing Roxy! Tell them ur no longer employed there! But then what if they call her supervisor to ask???
Thta's why i didnt' say that! This pdl co's are relentless! SIGHS
Ang

800-661-0086 is associated with
Primary Financial Services LLC
3115 N. 3rd Avenue #112
Phoenix, AZ 85013
Telephone: (602) 279-1000
Fax: (602) 279-0091


And 800-654-7444 is associated with Cash Net 500, Global Financial Services and Cash Net

This information is from researching the phone numbers on the BBB web site.

Thanks I've copies the cease & desist letter & I'm just waiting on an address since they refuse to give it to me. This is just such a nightmare.

It'll be ok lp!!
Take a deep breath and start sending those letters out today!
:D
U've come to the right place for help!
ANg

Ipelayo, Could you tell us what state you are in, who you borrowed from, how much and the total of how much you have paid to each company. We can help you through this.

Who do you need addresses for?

They won't even give me an account number. Should I put my social security # or just my name & address on the ceast & desist letter. Also should I fax it or send it certified mail. I'm scared if I fax it from work they'll get my fax # & send me something at work. & I thought about saying you have the wrong person but the man said he called the main number & that's how he got my direct line. Thanks you guys for the support. I feel like I'm having a nervous breaksdown.

Do NOT put ur social security # on it! Just put ur name and let them figure it out! I'd send it return reciept requested, but that's jsut me!
Good Luck,
Ang

Ipelayo, it is ok. We have all been there. Fax it if you are comfortable with that then be sure to send it usps and certified so you will get the card back for your documentation you sent it. There may be a function on your fax machine where you can set it so it will not send out the senders fax number with the fax. You would have to look it up in the manual. That is what I did. Please be aware they may still call you.

My husband is emotionally disabled & he took out payday loans under my ss & his own. He told me about them when it was too late. I tried to make the payments but it just was too much. I have no idea how many he took out. I think 4 or 5. The most he got he told me was $300. When I realized I couldn't pay them anymore I closed out the account. I think First National Service is from Cash Net 500. I'm following Ang advice & sending them the cease & desist letter so they can stop calling me at work & I can try to make some type of payment plan. I know we paid some of the loan but I can't be sure how much. It's all so overwhelming right now.

I forgot I'm in Florida & the pdls were over the internet not in person.

Ok Ipelayo, you are on the right track and I am happy to read you have closed your bank account. FL laws about internet PDL's are a little different so we will try to get someone from FL involved but first we need to know who he took loans from, how much they were for and how much you have paid them. You can do this by looking at your bank statement. You may have to look through past bank statement. Once we know who the companies are, we will know which direction to guide you.

Right now I'm getting calls from First National Service 800-654-7444 & 1800-661-0086. I'm going to go home tonight & look up the bank statements. I've printed the letter for Primnary Financial Services but I just need the address from the First Financial so I can send the ceast & desist. I'm also receiving calls from a Sims & associates 800-864-6033 who also won't give me an address.

Ipelayo, I am sorry I am getting confused... The phone numbers for First Financial Services were given to you by the caller or were they on your caller ID? I am checking Simms and Associates now.

Simms
Mailing Address:
SIMM Associates, Inc.
P.O. Box 7526
Newark, Delaware 19714

How to Contact Us:
(302) 368-9422 Local
(800) 864-6033 Toll Free
(302) 368-9382 Fax

Ok.. I also googled the phone numbers in your post..800-661-0086, is primary financial services and I would fax and send a letter to them... the other is Cash Net 500...I would also send and fax a letter to them....

Cashnet500
4001 South 700 East #500
Salt Lake City, UT 84107
Phone: 800-654-7444
Fax: 877-276-0418

Yes those are the 3 that are calling & leaving messages with those numbers. I am writing the cease & desist letters now. What happens next ?

Now we need the information regarding who the loans were with, how much he borrowed from each and how much you have paid back. Then we can go from there.

Ok so far this is what I've seen on the account. Bear with me because it's a mess. & what's confusing is the names they take the $ out of so I don't know who is who.
Impact cash $300 loan
United $300 loan
Cashnet $250 loan
Impact cash $350
I see deductions as follows :
Cashnet Peels $90 /$90/$300/$90/$90/$105/$350
Impact $325
One Click Debit $90
Impact Cash $90
United $90/$90/$90
& that's just going back 2 months !

Yes, trying to figure out who is taking out the money is difficult. Check the deposist section of your statement..see who deposited the money and see if you can match up the deposit with the deductions. Also, if there is a phone number with the entry, you can call it and work backward from there.

Are you saying Impact Cash debited $350.00 at one time? And Cashnet debited all those entries and then $350.00?

The Florida Consumer Financial Act requires all lenders to be licensed in the State of Florida regardless of there physical location. This excludes Credit Service Organizations who are registered here as such. None of the companies that you have listed are licensed here or are CSOs so far as I can tell. The Cashnet I am assuming is Cash Net 500 not Cash Net USA who is a CSO. Florida law puts an 18 percent usury cap on these loans and does not permit rollovers. If a PDL is not licensed in Florida the law states that the loan in not collectible. You have overpaid some if not all of these companies. Send them letters referring them the the FCFA sections 516 and 560. Also send debt validation letters to their collection agencies and make them prove that the amounts that they are trying to collect are legal in the state of Florida and also that the lenders is licensed in the state. Look up the law on the internet and send a copy along. Be sure that you do this by certified mail, return receipt. Nothing eles counts with these people.
Next file a complaint against the PDLs with the Florida Dept of Financial Services for operating without a license and violation of the states usury laws referring to the Statutes mentioned. I know that this seems to be a lot of work but it will get results. Also if any one of the CAs violates the fdcpa by not ceasing communication after receiving your certified cease and desist, or refuses to validate or threatens you with action that they can't legally take, file a complaint with the FTC. Forget the Florida Attorney Generals office. They are useless in these matters. You are better off going to the Attorney General in the states where the PDLs and Collectors reside. Please list the info going back to the beginning so we can see what youreally have paid. You may even get a couple refunds. We are all here to help you!

Thanks Frogpatch. I was concerned about the CSO issue. :sun:

United, One Click, and Impact are debiting under their own names. The other Cashnet Peels(?) must be Cashnet.

I am also receiving calls from a 605 Area Code (PHX, AZ) in regards to a debt sayin to call the 1-800-661-0086

" 800-661-0086 is associated with
Primary Financial Services LLC
3115 N. 3rd Avenue #112
Phoenix, AZ 85013"

They have been calling my cell phone for a day or two now. I do not have a work number, I am a fulltime student and co-own a part time business.

I live in Texas, I owe around $800.

Any Advice?