Payday lenders filing an internet fraud against me

Hi Kim

Welcome to the forums.

Do not get scared of these legal charges that they claim can be put on you. Though, they have the right to ask payment from you, but they can't intimidate you.

Do send them a letter with the payment plan that you can afford each month. Along with it send some money in advance. This will put more weight to your letter. They might be unwilling to accept the plan at the very first instance, but they will somehow accept it later.

Keep negotiating with them and don't get tensed with what they say. They won't take any actions against you as long as you are willing to pay the debt. The words that they use are some of the common practices in illegal collections. But you should tackle such problems confidently.

Regards
Roxette

I can't type in Cyrillic on this keyboard, but... MaksDobrinin, pachimu vi ne pishaete pa angliskii yazik? Ponil'? Eyta ochen interiestna. Mozhet biit, vi v' Rossii?

Kim, they are full of it. If anything, they are comitting internet fraud (whatever that is). Send them a partial cease communications letter stating that you'll only deal with them in writing.

Wow Law Student, I didn't know you were fluent in Russian. I know you asked him if he could either speak or understand English (pa angliskii) but my Russian is really rusty.

Lawstudent, did bablefish come close to what Maks said?

Soon 2008; therefore it is necessary to even now think that it is possible to present to close ones themselves! In whom what ideas?

No, it might be a direct translation but in the Russian language (both written and spoken) sentence structure and their meaning is different.

Generally, a debtor consumer has no right to a "payment plan" regarding a consumer debt if there is an "acceleration clause" making the debt immediately due.

A DC may not contact a consumer at work if the consumer has stated either 1) his or her employer does not allow such calls, of 2) it is inconvenient for the consumer to take calls at work. To do otherwiwse violates the fdcpa.

Accusing someone of commiting a crime, e.g., "internet fraud" in connection with the collection of a consumer debt with no basis for doing so is a serious and major violation of the FDCPA. Consult with counsel right away!

Yet if advance plus is the one collecting and they are also the lender then it is not third party collections and would not be susceptible to fdcpa law. I'm sure that another law would probably govern this, I'm just not sure which.

With only a very few exceptions, the fdcpa does not apply to original creditors (or succeeding creditors who took nondefault debt).

There is no federal law that governs OC conduct like the FDCPA governs DC conduct. Some states have mini or similar FDCPA statutes which do apply to the OC. PA is one of them.

[color=DarkRed]Good translation jcemt. But I can't keep the spam on the board. Sorry - Mike[/color]

Direct translation via Babel Fish:

How do you do. 4 - beginning repper. I want to begin to use new elements of breykdansa. Where and as this it is possible to make, how much?

breykdansa refers to some kind of art, not really sure as Russian cannot be directly translated as it loses meaning.

Well, here goes nothing:

[color=DarkRed]I have to remove this one too. Sorry. Otherwise spammers will think that we allow such posts. - Mike[/color]

I thought it meant break dancing!

If a PDL is relending money from a different institution does that not make them a third party? I found that warning to the PDLs on the FDIC website that they may be subject to the fdcpa because of there reloaning practices. Also Bud Hibbs has told me that they are subject to the law for some other reason that I am unclear about.

Hmm, I can see where they are coming from, just not sure how well it would hold up. I guess it just all depends on how you articulate things.

Really also brings to light (since they are applying for a loan with a bank and forwarding it to you) how shady it really is.

Hello!????

new to the forums. just thought i would introduce myself!????

My name is Leyro????

Hi Leyro, why don't you join and become a member, it's free!

He claims he is from the Department of financial Crimes of the US Federal Division. Where can I verify this?
Personal e-mail id removed from user name for security. - Jason

BEWARE This is dangerous! Allow access only if you have a good reason too (and preferably a good firewall to boot). In most cases it's better to just run multiple copies of Proxomitron on each PC.
If you do, you may want to disable URL commands so remote users can't cause trouble. Keep in mind URL commands you can load files remotely or change the current config - make sure they're only available to PCs you control. At the very least be sure to create a custom Prefix to use before all URL commands. This can act as a simple password since no URL command will work unless it's preceded with the prefix you choose.

Welcome to the forums Spealpha.

Department of financial Crimes of the US Federal Division, yeah right. There is no federal agency by that name, but they did successfully break federal law by trying to impersonate a federal agent. Why not file a report with your state attorney general's office. I'm sure they will love to hear about that.

I don't know, but this sounds like our guy from Useless National Bank. I think he's used that exact same department name before, or at least I read it in a post somewhere.

Yep, same guy.

You had better listen to what the collector said and stop paying attention to what the debtors here are saying. You can and will be handcuffed and frog marched to jail. You need to pay this debt now.

as usual NNC is wrong.

.....charge YOU with internet fraud....interesting concept...
...perhaps debt-collectors have their own special organization that further chastises and berates debtors - which the call something like that...

I DID find ONE real organization who's name contains the words "internet fraud"...(or at least did until about five years ago...)

"The Internet Fraud Complaint Center" (IFCC), was renamed in October 2003.
Visit their current incarnation and read what they REALLY do here: http://ic3.gov

ic3 is a partnership between the FBI and the National White Collar Crime Center

I have not yet personally used this service, but it appears to me to be geared toward the collecting of complaints by CONSUMERS, (not debt collectors - lol) and the maintiantanence of a database of complaints for law enforcement use.

(I can think of a number of times that I apparently COULD have mentioned a company's behavior, or scammer activities to this agency, but I wouldn't suggest rushing into filing lots of complaints without being sure that you're RIGHT - not just torqued...The FAQ on their site says that once you file a complaint, you can not "cancel" it, you're committed to maintain your position..ADDITIONALLY, since the complaints are made available to law enforcement on all levels, they clearly state that they can not guarantee the privacy of your complaint...)

The site offers tips about internet crime schemes and prevention, both of which are good for a read through, and a mechanism for reporting internet crimes and fraud.

IF you've been had, you shouldn't let them get away with it - it only encourages them... Consider reporting scammers.
A couple of years ago, I recovered several hundred dollars from an online auction rip-off. I did all of the research to hunt the "seller" down, and dealt with his state's bureau of investigation. It took several months, and a bunch of effort, but I got full restitution and, as it turns out, the guy did a little time, because I was one of 16 defrauded at the time of my complaint! This guy "sold" stuff he never owned for his income!

(..if you collect any restitution, use it to pay some debt!)

notyour

Have you ever been to jail? I have many times! You don't sound like you'd fare too well in the County lockup. I didn't! They called me little chicken!

You can NOT go to jail for any type of debt. That is just a tactic used to scare you into paying.

Blah Blah Blah.You think nnc would at least switch up his story from time to time.

I think FYI had the right idea for NNC. Just delete or heavily modify his posts. Personally I think admin should find a way to track and ban his MAC address. That would keep him away for good.

BTW, my conjecture at this point:
No Nonsense Collector=Hankyspanky.

Us mods are keeping a close eye on him & since we are all global mods keeping track of every section,we should have someone here to muzzle as needed.

He is finally telling the truth! Go read!

:?

Personal attacks are NOT permitted on this site.
cannr

There is no need for this. If you can't keep your comments nice, guest, don't make them at all. This type of behavior is not tolerated here ~FINS

Ok guest, you claim to know so much about the inner workings of the forum, why not come out from behind the guest account and login, you apparently have a account here. Personally I don't think you have the courage to back your convictions.

Since the offending post was removed, (thank you cannr), all I can do here is echo other posts.

Personal attacks are not permitted on this site, and will not be tolerated. We can and will ban members & guests who do so. We are here for to help each other (and new guests/members) get out of debt and to answer their questions..and to offer a shoulder to lean on while you work through your own personal debt hell. Why do we do it? Because we've been there.

Guest, if you feel the need to attack someone, please do it somewhere else. It's not welcome here, and won't be tolerated.

I've only spent a few hours of my life here, so far...

I hope to spend a great deal more time here...

I sincerely appreciate you having such a policy and attitude - it can only make the forum a more pleasant place to visit...

-notyour

Since this guest has come back yet again to attack our site, I am locking this thread. It no longer serves any meaningful purpose. (I deleted the offensive post that was just made.)