Reported to Colorado BBB - Get rid of GCS

Make Pinion Management validate before you pay. Let United Cash Loans know that they are not licensed to lend. They will deny, but if you need proof, I have proof of them not being licensed. You are to receive a letter within 5 days of initial contact from a collection agency and I think that includes inhouse collections also.

I received a call from pinion also back in October 2005. the guy told me he was from pinion and then said he was from oneclick cash. I told him to validate the debt and to send something in writing and he put me on hold and said at this time they are not willing to send anything in writing. Then I told them well at this time I am not willing to make any arrangements with you until I see something in writing. He hung up on me and I havent received a call or any validation letter. They wont send you a thing.

Pinion Management keep claiming they are not a third party collection agency only a payment and processing center. I have not returned their call after their call to my work telling me I had 48 hours to return it. They did recieve my validation of debt letter, I have the certified card and have blocked my home phone number. In New Jersey payday loan companies are not licended.

Place debt validation request through writing. Make it CMRRR, so that you can use it as evidence in future.

Letter of validation of debt was dated, Feb 20th, mailed CMRRR on the 21st, rev'd the green card back on the 25th signed. Todate have not recieved anything in writing and they were asked not to call me at work or home. On the 27th, the left a message at work stating I had 48 hrs to return the call to a Ms. Robinson from United Cash Loans they number left was to Pinion North Collection or they would start the process of my file. Have filed a complaint with the FTC, have gotten the form to file a complaint in NM. Also found my notes that when I called United Cash Loan, they claim they have no record of my ssn in the system and had no clue what I was talking about and she checked her file again before I hung up with her. They never mentioned they sent it to Pinion North Management Collection Dept.

Collectors cannot proceed with collection activities unless they respond to your request for validation. Moreover, they have violated fdcpa laws by calling you since they were asked not to do so. You can file complaint against them with FTC, BBB and AG's office.

Got another phone call from a Ms. Robinson, United Cash Loans,Pinion North Collection Dept., they claim they did not recieve my letter and when I told them I have the signed CMRRR from someone from your office, they claim they never recieved it. Also told them that they were not to call me at work or home and asked they again not to call me. They kept telling me they never recieved my letter and hung up on her.
I do have proof that someone signed for this letter in that office and when I went online to the postal services website site and tracked it, it shows that this letter was delivered to the address shown. What can I expect now and what should I do next?

This is one of the famous tricks of United Cash Loans. Now it is time to file your complaints with the Attorney General, Consumer Protection in Nevada and in your state. You have the signed CMRRR as proof they received it. They are now in violation of the fdcpa laws. Also, since they have received it Pinion North Collection has to cease all collection activity til they validate.

Just ignore them. When they call tell them that they are being recorded and they will hang up. Play there game and they will leave you alone. I have dealt with these people and laugh at them and they hang up on your. Lay the phone down and don't listen and eventually they will get the message. Ask them all kinds of questions and they will get mad and hang up. They are jerks and scammers. Don't send them any $$$.

Right on Dawnie. You have to beat them at their own game.

Hi, I had an account placed with CACH,LLL, the letter came from J.A. Cambece Law Offices, PA out of MA. Sent them letter of validation CMRRR in March.
Have not recieved anything from J.A. Camece since.
Today, I get a letter from Astra Business Services, Mill Valley, CA. advising me that CACV of Colorado LLC has placed the account with them. Same account with two different collection agencies? Can someone explain why I got these two letter from two difference collection agencies or are they one in the same?

Hi Again,
recieved a phone call at work from Astra, some non-english speaking person, using the same MO as Interstate Wire, told him just recieved your letter and you will be recieving a validation of debt and do not call me at home or work again. Who are these people and why is this account in two different collections agencies? This is the part I do not understand.

Astra Business Services ??? the company is listed with BBB with no TOB. It seems as the previous agency could not validate the debt, they sold it to another. Ask for validation. BTW, how old the debt is? Is it within the scope of SOL for debt collection?

The person from Astra Business Services, used the same script like the people from Interstate Wire
and they do not speak English very well. Sending them validation of debt. Still do not like these people have a bad feeling.

Can u believe these people. I dialed *67 to block my call to make sure the number that was calling me was these people and they called right back and identified my number. How do they do that. I just let the answering machine get it. UNREAL how do they know when you block your number

Here you go dawnie,

http://forums.debtcc.com/forums/about8696.html

I just won a judgment on Pinion Managment for fdcpa violations...I have a great atty, and they have to follow the FDCPA...record all of your conversations and find an atty to file for you....the best part is that they paid the award within 2 weeks of the judgment...

That's great. Ray Martin, please register with this site so that you can interact with community members well.

BTW, which state are you from?

I sent a letter of validation of debt to Pinnion back in February, 2006, they did get letter sent CMRRR. and claimed they never got it. Today, I received an e-mail from them wanted to settle the debt and I have until April 30th or further processing will take place. Should I re-send them the letter of validation again? How can I make a settlement on something they did not validate? What is the next step that I should take?

Pinion will not validate. Or at least they never validated mine. I woulod resend the validation request one more time. When I send a second one, I put at the top in bold letters second attempt for validation.

Guest, have you contacted the original creditor, won't they accept payment from you?

However, if you go with collection agency, always ask for validation and clearly tell them that you will not pay without proper paper work. Once you have the documentation, check it and dispute any discrepancy over there.

While paying to them, make sure they agree to report your account as paid or paid as agreed. This agreement should be in writing too.

Do you have the green slip signed by them? You can use it as evidence. If you request for validation, they cannot continue with collection unless they validate the debt.

Don't pay until you have proof that they can legally collect from you..

I had 2 collectors trying to collect for the same account recently...I got one knocked off.

Dispute dispute dispute

In the first letter, they were asked to contact me by written letter and mailed to my home address. Is this another violation of the fdcpa? Can they do something legally or does there non cooperation kind-of-protect me/ help me?

Has anyone heard of this collection agency First Credit of America 1-800-852-9465? They called my home and wanted payment and when I asked for address to send a validation of debt letter the person started to give me a hard time and told him that under the fdcpa I had the right to request validation of debt before I make any kind of payment then I hung up on him.

1st Credit of America LLC
300 N Elizabeth St
Suite 220B
Chicago, IL 60607
Telephone: (866) 505-2632

Make them validate! They are snakes hiding in the grass and don't send them a dime til they validate.

Who should I send the letter to I did not get a name of the person that I spoke with - do I call back and get a name, etc? He mentioned the payday loan to E-Processing, which is outstanding. I don't have any paperwork for them.

Send it to First Credit of America. I wouldn't worry about a name. They tried to collect on a payday loan that I had made arrangements with. John Smith was the one who called and threatened me, so I called the sheriffs department and luckily he was still cussing and threatening when the officer got here and the officer set him straight and haven't heard another word from them since. I filed a complaint with Lisa Manigan about the conduct of the company and also included the tape recorded conversation and the police report.

Recieved a call from a Ms Robinson,at work, after sending two validation letters to the NM address they provided. Telling me there were never rec'd by that office (have both CMRRR cards)asking me to fax them proff I sent the letters so that her boss, Anthony Bell, has documentation that they do not have to call me again. The first time she called, told her I sent letters and they were only to contact me by US Mail and hung up and the second time is when she asked me to fax the information.
Something does not sound right? Any clue as to what could be going on?

719-546-6356

800-931-8160

first one is a company called GCS the second _______ recovery,m the guy spoke so fast I couldn't get it

jj

who, what, were is GCS ? Never heard of them

must be a collection agency don't recognize it

Has anyone heard or dealt with GCS?
719-546-6356

I have never heard of them who and what are they???

800-931-8160 does any one know this number??

Does any one know this number?
866-881-4365

Does anyone know who this number came up "Unavailable" on caller ID 866-881-4365

Thanks

Never pay them or wire any money.

here is a script you can use for collections

Duplicate Content removed as per forums rules - Mike

fair-debt-collection.com/Disputing_Collections/collector-call-script.html

Got a call from Total Card Recovery, stating they are a third party collection for Plains Commerce from a VISA credit card debt in 2001 and that was just turned over to them in 2005 Does any one have any information about them? When I mentioned that this might be a SOL issue - she came back with some remark - and she claimed she knows the law!
Any information greatly appreciated.

Called again to get a mailing address instead of a PO Box for them. This time got a little more information from them. The gentleman, Roger, told me that the account was opened in Dec 3, 2001, then charged off on March 31,2003 and given to them in August 2005. They tell me they could not give me any kind of an account number and after cheking with his manager gave me a mailing address to send CMRRR. Told him that is was the first time that someone contacted me by phone and have recieved nothing by mail. Have not paid anything to them did not know about this account until today. This person was not able to give me much more information then he did and I did ask the questions.

Got a letter from these people for a debt owed to MCI from 1997 - who are these people?? What should I do?
Over SOL?? live in NJ.

Can any one give me the 411 on these people??

Depending upon the state laws and the date of last activity, I think it is past the SOL period. Did you make any payment in the recent times? This can bring the account within the SOL timeframe. Check the last payment done and the statutes in your state. Once you are confirmed about the expiry of the statutes, send a notification to the company and they need to stop further collections.

No this is the first time ever getting anything from them or anyone else. No payments have ever been made to them or MCI.

Do you have any information on Total Card Recovery, Total Card Solution or Total Recovery - they are all they same company I think out of Sioux Falls, SD.
Again first I am hearing about a credit card opened in 2001 no payments made to them. Another that could be SOL case??

Thanks for you help/information have recieved an education from your site.

This confirms that the debt is out of the SOL period and you are not required to make any payment. It doesn't mean that the company cannot take actions against you. They can try for it but won't get anything since you have the legal cover. Don't make any payment otherwise the SOL will be renewed and you will come under legal collections once again.

As per the FCRA laws, the negative information will be removed from your file after a period of seven years from the date of first delinquency. You probably wait for another year before this account goes off from your file.

they called me about collecting on a payday loan and is to me back tomorrow.
Do you know of a collection agency in Jacksonville,florida with this number I asked them for a email number and they said they did not have one. when I called the number back I got a answer that said I had the operater and to leave a message but did not say the name of the company.

Send them a letter requesting validation of debt CMRRR.

In todays mail I recieved a letter on Plains Commerce Bank lettethead stating the my account is being services by Total Recovery Services, the account was charges off 3/31/2003, as of today the balance is $528.84. They enclosed a copy of application default update screen with my information on it name,ssn, etc. and a copy of a check payment entry showing last payment made on 2/28/02 and nothing since, it shows the name of the bank, BUT the location of were the account was opened in not correct, it shows account routing number and acct number of my checking. This is the only information set by mail. I had asked for other information, proof they are legal to collect in my state, proof of a few other things in the letter and they have not been proven as yet. They told me over the phone the account was opened 12/03/2001.
What do I do in this case? What is the next step I should take?

Has anyone ever heard of United Federal Law Dept?

GCS 719-546-6356 has been calling me. it's a fake company. when you call them they ask you to press 1 to leave your message but it's not an automated system just a voice message telling you so. if you press 2, you are asked to call another number for live tech support. that live number is someone's residential number who has no clue about the company.

report it to your local authorities if you're in Pueblo, Colorado.

They claim to be Global Call Center Solutions.

hate this companies!

Got a call from 573-268-0501 unavailable on caller ID
left message this is a business matter, etc., etc.
you need to call this person Kim at 800-478-6103 to resolve this matter...

Does anyone know who they are??

I am getting threatening calls from First Credit. They called out of the blue saying I owe money from an account I paid and closed 5 years ago. Is this possible? It was paid and closed by the company. Who is the credit company and why do they just call like this?

Be careful of them. They are now operating under the name of First Credit after being closed down under another. AG of Il has them under her watchful eye- report them to her office. They do not follow the law
DO NOT SEND THEM ANY MONEY MAKE THEM VALIDATE FIRST