national money store/ a.s and associates

No they can't arrest you. They are famous for saying that crap. I do not know how they have gotten away with it for so long without being arrested themselves. Please read the post on this page about them. It is coincidentally right here. It will show you lots about them!

A.S. has been busy the past few days....lots of posts about them this week.

I got a payday loan from National Money Store and I have lost my job. I also had closed my bank accounts because I lost checks and debit card. When I received a call from these people they were beligerant and threatening to say the least. They said they were going to serve papers and have me arrested etc. They called me at work and I asked them not to and hung up. When I got home I called them to resolve a payment plan they said they already signed off on the paper work and I was lying to them etc and would not negotiate anything with me. They people should be prosecuted and put out of business for unfair practicing. This person was david at ext 240.

I have dealt with AS&Associates last year for a payday loan with National Money Store back I got in 2006. I have paid back several rollovers to NMS and they are not allowed in my state of IN. I got a call from a "greg patton" from AS&Associates- he told me me he was from "pre-legal" woohoo....anyway Greg told me the same speech and that I have no intention of paying back the money. He wanted $ 570.00 on a 200.00 loan. I asked for something in writing and he refused. He called my place of employment a few days later and was yelling at me and telling me I committed bank fraud and he was going to "close this investigation" by the next morning if I didnt send him 570.00 by I think it was 2pm. I did not send him anything. I finally got a fax about 5 days later at work stating just that I owed 570.00. I sent a letter of validation to them certified mail- also a cease and desist letter. I also filed complaints against this company and they never responded. You will NOT get arrested!!!! This is a scare tactic. You NEED to file complaints against them ASAP. I agree this company needs to be shut down! They are 1 of the worst CA's I have dealt with! Let me know if you need anymore help.

i am now being threatened by them here in florida for a loan from vip cash... jail half of the amount by tomr, can any one help me....

Take a deep breath. It is a scare tactic. There is no debtors prison. They are trying to get you scared enough to pay.

does this company have rights to collect in florida? also they cld me back and she said they are going to prosecute me...i checked in the state of florida...but i dont know what else to do...i am not scared i just cant afford someone trying to press charges on me or take me to court for some bs.

Not sure on that but I can tell you that there isnt going to be any charges. They cant press charges for a bad debt. If that were the case millions of people would be in jail right now. What did you find out with FL?

i dont know who to conact here in florida about this. I have tried a couple of avenues but I am not sure where to go

I have been getting calls from the same company, and yes I was hearing the same thing...WOW. I don't mind paying my bills, but time has gotten hard, and on top of that the people I got the loan with, you can't even get a good contact number for them..I'm glad I pulled this up on line, I wanted to see if they were real about goping to court and all of the quick collect stuff you can do. the lady has call my job several time, and leave me messages to call before 12 noon...her name is Diane Roberts her number is 866-331-6161*205, I think something needs to be done about all these CRAZY collector, its not fair that they don't respect your privacy, but that's how they make their money scaring innocent people like us up to get it back, and then they charge more than you received. Thanks, I'm glad I read this today I feel a little better NOW!!!!

I agree it is a scare tactic, i got the same call yesterday, and the guy from this company name was david burnstein ext. 211 and he said that if i didnt pay by wednesday that he would send someone so that they can arrest me, i took out a loan 300 dollars and they wanted 730 back. David called me today and I told him that he was breaking the law when he told me he was going to send me to jail, When I told him that he denyed saying that to me, because he knew I knew my laws, right then and there i knew it was all a scam, Im willing to pay this but these people are trying to rip me off, and Im not paying until I get a notice in mail... So advice to all dont be scared by these tactics they just want money....

I got a call from a 'Daniel' at this same number that others have rec'd messages from.

Do you folks call them back -- should I just ignore them? Help and advice please!!!

My thanks.

Can someone help me on my issue. Yesterday I got an message from my stepfather saying that an Inspector Lee called and she said it was important. Well I call her this morning at 7:45 am and left a message. She didn't call me back until 3:30 pm and told me that National Money Store will are bring up charges on me and that I will get jail time if I don't pay them 685.00. I went on to the website and found out that I owe them 395.00. I need to know if I can go to jail and I also found out that the company is in Texas, but how can they bring up charges in Pennsylvania. Do I have anything to worry about. Because I was on my way to giving them my rent money and that would have made me and my kids homeless. Can someone give some advice plllleeeeaaaassseeee!!!!!!

This is ridiculous, they said they were going to arrest me if i didn't give them 847.00 on a 40 dollar loan!! this is insane! i'm really not paying now! they better press charges!

to the last two posters.they are just blowing smoke.debts are civil matters not criminal ones.they can't therefore won't have you arrested.that is a tactic of an illegal bottomfeeder.if they won't furnish any info about there illegal company don't deal with them period.

I just got a call from Inspector Lee and she ask me what time I work and do they have the right address. Now she saying their going to serve me papers on this loan. She still assist that I have to pay 685 on a 395 loan. In the state of Pennsylvania can they do that...serve me papers????

I recieved a call today from a lady named Dian Roberts at 866-3316161 ext 208. She gave me all of my information and said that I had a loan with an online payday loan company. But I never had a loan and then she told me that she was going to contact the police for a fraud. Can she do that? Does anyone where is company is located?

I received a phone call yesterday from a David Bernstein at 1-866-331-6161 ext. 211. He mentioned that he was from "the firm" and it was regarding a cash advance loan from Fast Cash, Inc. He went on to say that his "firm" is representing A.S. and Associates. Are they supposed to be the collection agency????

Anyway, I was pretty sure that I had paid off this loan... but I could be wrong. However, if my loan went to a collection agency, I NEVER received any letters/phone calls/emails regarding that my account was sent to collections.

So, David goes on to say that A.S. and Associates were filing charges against me and that a warrant will be put for me by Friday, Oct. 17th 10:00am. Also, that I could be charged with a misdemeanor. He wanted me to pay $925!! I admit, at first I was questioning myself if I really did pay this off or what...and I was freagin' scared!!!

That's when I googled the phone number he left me. LOL.

Their website and other info:
asrecoveryexperts.reliabilitymall.com

16350 Park Ten Place, Suite 100-1
Houston, TX 77084

You can also find them on the Houston BBB website.

OH that's funny right there (their "website). Not even their own site and have an AOL e-mail address! LOL Now I think they are even MORE of a joke than I thought they were!

I received a call today at home, work and at a relatives house from David Bernstein very harassing and biligerant he is just a butt hole I owe National Money Store which he never said who he represents but I now know based on the info here. I will consider paying them directly but only them. He is supposed filing a suit against me Friday at 11:00 in Federal court so I have given his phone info to my attorney, does anyone have there actual street address. The number traces to an address in Texas??

Same thing here, same routine. I took a $350 loan and they want $640 by noon or I will be arrested. Diane Roberts 866-331-6161 x208

this company is stupid they are registered with the bbb in houston file a complaint against them and see what kind of bs response

I received a call today from this company too!! I had a loan through VIP Cash as well. I lost my job at the time the checks were to be honored from my account and they bounced. I was told by AS and Associates that if I didn;t pay 1/2 of the balance by tomorrow, I would be prosecuted for bad checks. Is it possible to be prosecuted for an electronic check?? My state is Maryland. Please help!!!

I just got a call from Lisa Taylor saying she will personally procute me tomarrow morning and send a sheriff to my job! I want to pay and don't mind paying fast cash directly but this threatening phone call has me shaken. I need something in writing first. Will I get papers served to me at my job? Get arrested?

no way that is going to happen.this bottomfeeder is famous for that.just know that what they threatened is against the law.debts are civil matters not criminal ones.if they won't send anything in the mail do not deal with them.again they cannot do any of what they threatened.

After that crazy message from Lisa Taylor I just want to make sure there is no loophole for California regarding debt collection. I started to pay her my last $50.00 in my pocket but I thought I would check some things out on the internet first. Where do I get state PDL law for California? I have seen other breakdowns by state on this site but I did not see California. I can't even find the original payday loan site of Fast Cash. I am still pretty frazzled. I have 5 kids and I am really struggling. I just want to have something in writing that I can calm my nerves with since I am sure she will be calling tomarrow. What is is called that I need to get in writing from them?

Hi guest,
Here are the pdl laws for CA:
[quote]Quote:
California State Information

Legal Status: Legal

Citation:
Cal. Fin. Code ???????? 23000 to 23106

Loan Terms:
Maximum Loan Amount: $300
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 loan: $17.65
apr for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot charge fee for extension)
Cooling-off Period: None
Repayment Plan: Voluntary (no fees may be charged in conjunction with payment plan)

Collection Limits:
Collection Fees: $15 NSF fee
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: California Department of Corporations
Address: Financial Services Division, 1515 K Street, Suite 200 Sacramento CA 95814
Phone: (866) 275-2677
Fax:
Regulatory Contact: ,


No Emails, but this is posted on the DFI's website:

WHO IS REQUIRED TO OBTAIN A LICENSE TO ENGAGE IN THE BUSINESS OF DEFERRED DEPOSIT TRANSACTIONS?

Any person that offers, originates or makes a deferred deposit transaction, arranges a deferred deposit for a deferred deposit originator, acts as an agent for a deferred deposit originator, or assists a deferred deposit originator in the origination of a deferred deposit is required to obtain a license from the Department of Corporations

I AM LOCATED IN CALIFORNIA PLANNING TO ENGAGE IN THE BUSINESS OF MAKING DEFERRED DEPOSIT TRANSACTIONS OVER THE INTERNET ONLY TO RESIDENTS IN OTHER STATES. AM I REQUIRED TO OBTAIN A LICENSE FROM THE DEPARTMENT.OF CORPORATIONS UNDER THE CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW?

Yes.

I AM NOT LOCATED IN CALIFORNIA PLANNING TO ENGAGE IN THE BUSINESS OF MAKING DEFERRED DEPOSIT TRANSACTIONS OVER THE INTERNET TO RESIDENTS IN CALIFORNIA AND TO RESIDENTS IN OTHER STATES. AM I REQUIRED TO OBTAIN A LICENSE FROM THE DEPARTMENT OF CORPORATIONS UNDER THE CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW.

Yes.

ARE THERE LIMITATIONS ON A DEFERRED DEPOSIT TRANSACTION?

Yes. The face amount of the customer's personal check or the electronic equivalent of the customer's personal check may not exceed $300 and the fee charged may not be more than 15% of the face amount of the check.

ARE THERE LIMITATIONS ON THE FEES THAT MAY BE CHARGED IN RELATION TO A DEFERRED DEPOSIT TRANSACTION?

Yes. The fee may not exceed 15% of the face amount of the check. A single fee not to exceed $15 may be charged for a returned check. No additional fees may be added for late payments or returned checks.

ARE THERE LIMITATIONS ON THE NUMBER OF DEFERRED DEPOIST TRANSACTIONS A LICENSEE MAY MAKE TO A CUSTOMER IN A 12-MONTH PERIOD?

No. There are no limits on the number of deferred deposit transactions a licensee may make to a customer in a 12-month period. A licensee cannot make a new deferred deposit transaction during the period an earlier deferred deposit transaction is in effect for the same customer and the proceeds of a new deferred deposit transaction may not be used to pay off an existing deferred deposit transaction from the same licensee.

IS A LICENSEE ALLOWED TO MAKE A NEW DEFERRED DEPOSIT TRANSACTION TO A CUSTOMER THAT HAS AN EARLIER DEFERRED DEPOSIT TRANSACTION THAT IS IN EFFECT FROM ANOTHER LOCATION OF THE SAME LICENSEE.

No. Licensees with multiple locations cannot enter into a deferred deposit transaction with a customer during the period an earlier deferred deposit transaction is in effect for the same customer at any of the licensee's locations.

CAN A LICENSEE USE A CUSTOMER'S PERSONAL CHECK OR THE CUSTOMER'S ELECTRONIC EQUIVALENT OF A PERSONAL CHECK RECEIVED FROM A PREVIOUS DEFERRED DEPOSIT TRANSACTION FOR A NEW DEFERRED DEPOSIT TRANSACTION?

No. A licensee is not permitted to accept or use a customer's personal check or a customer's electronic equivalent of a personal check received from a previous deferred deposit transaction for a new deferred deposit transaction.

CAN A LICENSEE ACCEPT COLLATERAL IN CONJUNCTION WITH A DEFERRED DEPOSIT TRANSACTION?

No.

IS A LICENSEE ALLOWED TO MAKE THE DEFERRED DEPOSIT TRANSACTION CONTINGENT ON THE PURCHASE OF OTHER SERVICES OR PRODUCTS?

No.

ARE THERE ANY SPECIAL REQUIREMENTS FOR A LICENSEE THAT MAKES A DEFERRED DEPOSIT TRANSACTION TO A NON-ENGLISH SPEAKING PERSON?

Yes. The written agreement must be written in the same language principally used in the oral discussions or negotiations leading to the execution of the deferred deposit agreement and must be in at least 10-point bold type.

IS A LICENSEE ALLOWED TO EXTEND THE DUE DATE OF AN OUTSTANDING DEFERRED DEPOSIT TRANSACTION OR ALLOW THE CUSTOMER TO MAKE PAYMENTS ON AN OUTSTANDING DEFERRED DEPOSIT TRANSACTION?

Yes, though the licensee is not required to extend the due date or enter into an agreement to allow the customer to make payments on an outstanding deferred deposit transaction.

WHAT ARE THE FEES A LICENSEE MAY CHARGE IN CONNECTION WITH EXTENSIONS AND PAYMENT PLANS GRANTED FOR REPAYMENT OF OUTSTANDING DEFERRED DEPOSIT TRANSACTIONS?

A licensee may allow an extension of time to repay an outstanding deferred deposit transaction or a payment plan, but may not charge any additional fees or charges of any kind in conjunction with the extension or payment plan.

IS A LICENSEE PERMITTED TO DEBIT A BORROWER'S BANK ACCOUNT ELECTRONICALLY USING ACH TRANSFERS ON MULTIPLE DAYS FOR VARYING AMOUNTS TO COLLECT A DELINQUENT ACCOUNT WITHOUT THE BORROWER'S AUTHORIZATION?

No. The agreement or an addendum to the agreement must specify the days and amounts the licensee is authorized to debit the borrower's bank account electronically using ACH transfers to collect delinquent accounts. Any addendums to the agreement authorizing the licensee to debit the borrower's bank account electronically to collect overdue accounts must be in writing signed by the borrower, by fax with the borrower's signature or electronically authorized by the borrower over the Internet. The written agreement should cover the manner in which a customer's check will be deposited and the specific date of deposit. For example, when the licensee elects to deposit a personal chck by electronic means, the written agreement should specify that the licensee electronically deposits the customer's check and the specific date. If the licensee wishes to deposit the check either manually or electronically when there are insufficient funds in the customer's account, the written agreement should also specify the method and date of depositing the check under those circumstances. The written agreement should cover the manner in which a customer's check will be deposited and the specific date of deposit. For example, when the licensee elects to deposit a personal check by electronic means, the written agreement should specify that the licensee electronically deposits the customer's check and the specific date. If the licensee wishes to deposit the check either manually or electronically when there are insufficient funds in the customer's account, the written agreement should also specify the method and date of depositing the check under those circumstances.

CAN A CUSTOMER BE CRIMINALLY PROSECUTED FOR FAILING TO REPAY A DEFERRED DEPOSIT TRANSACTION?

No. A customer cannot be criminally prosecuted or threatened with criminal prosecution to collect a delinquent deferred deposit transaction.

What Does this mean?

Internet based companies must be licensed by CA to lend legally.

Fees may not exceed 15% of the face value of the check.

No Rollovers are allowed. [/quote]

After I called the MD Commsion of Financial Regualtion, they told me that PLD are prohibitied in the state of MD and you can not be prosecuted for them. They also stated that post-dating an ACH debit is also illegal and you cannot be prosecuted for for an ACH debit that was "returned" from your bank. I called David Bernstein and he was furious!!!! He stated that I was evil, twisted and deviant. I am none of those things. I did call VIP cash and set-up a payment arrangement through them. Yes, they gave me the loan and they deserve their money, but not $1020 for a $300 loan whish is what Mr. Berstein suggested I pay. Mr. Berstein was just angry that I wasn't afraid to back down from his threats or his pursuits. I also filed a complaint with the BBB in Houston where AS and Associates reside. It is illegal to be threatened or harrassed by credit collectors!!!!

I just received a call from Lisa Taylor and she is looking for my boss so that she can send me a procedure of Summons at my work. This is over a payday loan and I want to pay but she has been threatening and said she would send me to jail. What is a procedure of summons and she is going to send it to my job.

Hi guest,

I don't think that Lisa can do anything to you, it sounds like she is using a scare tactic to get you to pay. Have you tried contacting the PDL directly to make payments?

Yes I am looking for the original creditor now. I have also filed a complaint with the BBB of Houston just a few minutes ago. I am also lookiing to call the CA dept of Corporations. I have the number. I just wanted to make sure I am covering all bases. At this point I almost want her to take me to court so I can tell the court the harrasing and threatening calls I keep getting. I am, however, going to track down the original creditor of Fash Cash and get some type of payment arrangement together. That should stop this AS and Associates in their tracks?

Same thing is happening to me a Mrs. Lee at 210 is calling telling me she is going to put me in jail.. for a $300 debt that is now $660 and she asid they did not add fees .. she is very rude.. and not willing to work with you at all... I don't mind paying but they are unproffesional and rude... You catch more flies with honey.. I spoke to another collection agency that stated they can not put you in jail its a scare factor...

i was called by this company called a s assciotes they said that i would be arrested in three days if i did not pay off this loan they would arrest me, the guys name was dave berstein at ext 322. he threatned me big time, i then gooled and found this site. please send me info on this.

i took a loan out for $500 and investigator lee told me that i owed them 908, and I have been paying them, but times have been hard and now she is saying that if I don't pay the remander balance of 368.64, then she is going to have me arrested, can she do that? I had to use the money to get my son's christmas gifts, which i though was more important, can someone help me please?

First of all thank you to all you have posted information here. I got another call from Lisa Taylor at AS and Assoc and she had a totally different attitude. I don't mind paying but I told her that her threatening phone calls were illegal. I had also filed a complaint with the BBB of Houston. I asked her if her company had responded to that and she started studdering something awlful. She started the conversation a little rough talking about a summons she was going to send to my job but I told her that I would have no problem going to court and would also let them know of the threat to have me arrested at that time. Anyway she changed up her attitude and we are working something out on my terms. The only question I have is that she could not give me the information on Fash Cash which is the original person I had the $300.00 loan with.

Sorry one more thing. This was a $300.00 loan and they want me to pay $650.00 for charges. Shouldn't I only have to pay the $300.00 plus the $15.00 charge for an NSF check? I'm in California.

Just got a call from one of the investigators - any suggestions on how to handle? I am in the same boat - had fraud on one of my checking accounts and didn't know this wasn't paid from the bank. I didn't receive any notification until AS called and wants to take me to court. Can anyone help?

They pulled that same crap on me a couple of years ago. I asked for written proof of the debt. I was harassed and finally I sent a cease and desist letter after they refused to send me proof of the debt in writting. I haven't heard a word from them in over 2 years. It is a scare tactic. They won't do anything to you. I would definately send written letter for debt validation. Send it certified mail returned receipt. That way you have proof they got the letter.

Personal Information deleted as per TOS - Jason

Personal information deleted as per TOS - Jason

You know, I guess these people don't know how people fall on hard times and our whole economy is struggling to survive. But, for them to be so rude and forthcoming, I wonder where they get these people that work for them. I can be mean but not like that. I don't have time to deal with these people. And I am relieved that there are others out. I will have to admit that their scare tactic sort of worked on me but then I decided to google their name and found this forum. So, I guess something good has come of this. I appreciate all the postings. They all make me feel so much better!

I have the same situation, harassing phone calls and now they are sending this to my local prosecuting attorney and charge me, i owe 700.00 and paid half and sent in another amount, but this is not satisfieing to them. what do I do????

They can not put you in jail. The most they can do is get a civil judgement against you to garnish your wages.

I received a call from Greg Patton on 2/12 telling me that I would be arrested. The bank closed my checking account back after someone was trying to debit money out of my checking account without my authorize. And they open a new checking account for me. I honesty forgot about my payday loan with Dollar Flash. I called Dollar Flash and they told me that my info was sent to AS & Associates. Now since I've read some of the complaints I will give Mr. Patton a call and let him know not to call me anymore. I will pay back what I owe and not a penny more.

Thank for the info.

BBB Accreditation
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This business is not a BBB Accredited Business.
Why Accreditation Revoked
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On 1/22/2009 the business's accreditation from BBB was revoked. The termination was due to violation of BBB Standard(s) of Accreditation:

Cooperate with the BBB in efforts to eliminate the underlying causes of patterns of customer complaints that the BBB may call to the company???s attention.

BBB Rating
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Based on BBB files, this business has an unsatisfactory record with BBB due to an unanswered complaint and an unresolved complaint.

Business Contact & Profile
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Business Name:
A. S. & Associates Recovery Experts, Inc.
A.S. & Associates
Business Address: 16350 Park Ten Pl., Ste. 100-1
Houston, TX 77084
See the location on a Mapquest Map
See the location on a Google Map
Original Business Start Date: 1/1/1992
Principal:
Sharon Norris , Vice President
Phone Number:
(281) 579-6161
(281) 579-7950
Fax Number:
(281) 579-1356
Email Address:
[EMAIL="asarecovr@aol.com"]asarecovr@aol.com[/EMAIL]
BBB Accreditation: On 1/22/2009 the business's accreditation from BBB was revoked. The termination was due to violation of BBB Standard(s) of Accreditation:
Cooperate with the BBB in efforts to eliminate the underlying causes of patterns of customer complaints that the BBB may call to the company???s attention.
Type of Business:
COLLECTION AGENCIES

I'm going to file a complaint somewhere... Maybe BBB...
I hope that it works... They need to be shut down...
They are harrassing people for money with total disregard for the law... I'm not an attorney but I do know that they should not be calling me at my place of employment... And, I've never received anything in writing from them..
They really need to take a long HIKE if they think they're getting a penny from me.
BKL

Investigator martin called me at work today and told me if i didnt pay them 230.00 dollars that i would have criminal charges and go to jail and lose my license. so is this true can i go to jail... his number is 281-579-6161 ext 209 Martin

No, They can not send you to jail. That is just harrasment.

Debt is a civil matter not a criminal one.

in fact he broke the law telling you that.i wouldn't talk to him again.hang up when he calls again.