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H & P capital DO NOT LET THEM SCARE YOU!!

Date: Wed, 01/28/2009 - 13:59

Submitted by anonymous
on Wed, 01/28/2009 - 13:59

Posts: 202330 Credits: [Donate]

Total Replies: 76


Many people have been expierencing calls from this very rude, abrasive, pushy, shady company. I have been dealing with them for my mother over the past few days over her debt to Checksmart, and here is what I have found out and advice.

#1 The company was just bought by Mr and Mrs Henrion and used to be under the name Legal Mediation Practice. The Henrion's were not envolved in the origianl company. They even changed the name because it was misleading. I spoke with Mrs. Henrion today at her home when I was getting no where with the rude supervisors... Smartpages.com is wonderful!

#2 NO they can NOT arrest you, come to your job, red flag your SS# or anything else they threaten. This is a civil matter and with ANY civil matter NOTHING can be done, UNTIL a) matter is filed with the courts and b) a Judge issues a Judgement. Even then it does not include jail time unless you wrote a check on a closed account or closed your account before the first payment was supposed to post..then you might want to check with an attorney.

#3 I turned in an Internet FBI report on this company and within 30 mins the FBI rep called me. She stated that by the things this company is doing it is flagging as a Phishing company and that it may not even be actual H & P reps calling, that a phishing company will "hack" the Real companies numbers so it looks like the call is coming from there, they even give the right call back number, BUT when you call it the "hack" program flags ceartain area codes and re-routes the calls elsewhere.

#4 DO NOT send them copies of your D/L and Debit card. By law you are not required to give that, and they do NOT need it.

#5 If your debt is with Checksmart, and you try to call your local branch to pay it they will tell you they don't have your account and to call H & P....instead CALL corporate here are there numbers 1-800-837-0381 and 1-866-354-0567, Let them know the situation, the rudeness, the unreasonable requests. That you are not allowed to send H & P a money order through the mail and they want a bunch of extra fees. I got my mother in contact with corporate and she was able to Pay them Directly for only the amount she owed.

#6 Do NOT become a victim. If something sounds off, of shady it probably is. Verify your address, ask for a mailed statement, and hang up. Then use the internets resources and INVESTIGATE!! You will find many things out that are surprising.

#7 Report this company to all the appropriate agencies. AG Florida, your state, Federal Trade and whoever else you think might help.

#8 STAND YOUR GROUND, they are just people that can NOT do anything to you. Mrs. Henrion's exact words are "We are strictly a collection agency for Payday loans"

If you need any help or have any questions, feel free to message me and I will try my best to help you and walk you through getting something done


:confused:Collector God wrote: "If all you can do is borrow money and not pay it back over and over YOU are the people with a terrible moral fiber and lowest of low. Easy to sit in judgment isn't it? If you want to start to build something better for the future, show yourself, show your children what the WORD of a good man or woman REALLY means ans stand up and face your obligations as people, you ALL cannot be bad people.

Strange, I personnally know someone who works there with terrible credit and even had his personal vehicle repossessed due to non-payment......pay no attention to the man behind the curtain....


lrhall41

Submitted by on Sun, 02/28/2010 - 19:04

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I got a call from them as well. I tried to let the jerk on the other end know that I have already filed bankrupcty and he needed to contact my attorney. He told me he didn't need to contact my attorney, I just needed to pay my bill. I hung up on him and called my attorney to let them handle it. Very rude man and if this is how the company is run I dont see how they ever expect to make it anywhere.


lrhall41

Submitted by on Mon, 03/29/2010 - 11:45

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I got a text from my friend the other day and she told me that someone had left a message on her cell phone about me regarding a loan I had. They never contacted me about this matter. So I called the number and talked to a representative. She told me that I had until 5pm that day to pay $245 or the info would be downloaded into my county. I told her I would agree to pay and asked her if I could make payment arrangements and she told me NO. The whole balance had to be paid. I did put down $40 that same day and I had to do a money gram or western union. I also talked to a male and he was just as rude as the female. What do I do, pay the remaining balance or not? I have until tomorrow to pay?


lrhall41

Submitted by on Thu, 04/01/2010 - 06:58

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Quote:

Originally Posted by Anonymous
I got a text from my friend the other day and she told me that someone had left a message on her cell phone about me regarding a loan I had. They never contacted me about this matter. So I called the number and talked to a representative. She told me that I had until 5pm that day to pay $245 or the info would be downloaded into my county. I told her I would agree to pay and asked her if I could make payment arrangements and she told me NO. The whole balance had to be paid. I did put down $40 that same day and I had to do a money gram or western union. I also talked to a male and he was just as rude as the female. What do I do, pay the remaining balance or not? I have until tomorrow to pay?


you shouldn't pay a dime without details in writing.bottomfeeders use the downloaded threat to get people to pay.do not pay them anything else.they have changed names more than once for a reason.because of all the complaints filed against them.in fact i would see about getting the 40.00 returned.btw how did you put 40.00 down?if by cc cancel the card and do a charge back.if by bank acct.have the debit card cancelled and another issued.this place won't do a thing except scam you.in fact file AG,and FTC complaints yourself,and do not give them anything else.also file a police report for the threats as that is what those are threats.nothing more,and you shouldn't take them lying down.


lrhall41

Submitted by paulmergel on Thu, 04/01/2010 - 07:10

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These people called my cell phone 5 times in 2 minutes. I keep my ringer and vibrate off during work. I called back and it was someone talking about a check that I have out...sorry, but I don't have checks. I do have checking accounts, but I don't accept the checks when they ask, I use my debit card,. anyway, this person was very rude and sarcaastic and I told him off and hung up on him.


lrhall41

Submitted by on Fri, 04/30/2010 - 06:48

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They called me today threatening me saying if I didn't pay by 5 today I would be in serious trouble. When I asked to make arrangements they told me no and said it had to be paid in full by 5. The man told me if I didn't have it he'll give me till 5 then to make phone calls to get it. I told him borrowing money isn't possible bc that's not enough time to give someone to get the money. So then he told me he'll just mark me down then as refusing to pay... I told him I'm not refusing at all. So he told me well if I'm not gonna call anyone then it is, so he was gonna proceed to sue me and then hung up on me. I then called back and started speaking to someone else and I told them I was just hung up on. I continued to tell them the man who I previously spoke to was very rude and before I could say anything else, the same man who I spoke to before came on the line and started yelling at me. I said wow, do u have the line rigged or something? How did he even know I was on the phone? I told him there was no way I was gonna talk to him, and he said well there was no one higher than him he was in charge of the building. Yes this company is in Jacksonville, fl. They are definitely rude and very unprofessional. Someone needs to shut them down.


lrhall41

Submitted by on Wed, 05/05/2010 - 14:25

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H&P Capital Staff r not worth describing! My nightmare started on 9 Aug2010 ended on 10 Auq after i was able 2 get the Fax # 4 "Attorney" Nathaniel Davenport who lied,threatened me with jail, uiolated my Privacy(somehow this person HACKED into my TMOBILE ACCT Called Relatives & a Friend of mine who is very sick with Cancer!!!) I am a DV SURVIVOR,I am a Disabled Veteran who suffers from PTSD. ALL of my PTSD symptoms bcause of the Unethical,Misleading,Misrepresentation,Deceitful,Malicious Behavior i am still hauing Asthma/Anxiety attacks along with an increase of symptoms in re of my other illnesses.i contactea Fl/Wa State Attorney General,FTC,ACAP. & I GOT A LAWYER MY ADVICE 2 EACH OF YOU GET A LAWYER & Report Report


lrhall41

Submitted by on Tue, 08/24/2010 - 14:02

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this company called me today, at 1100a.m. telling me i have until 1p.m. today to pay them money i owe for a "bad check". they also stated they are going into a courtroom at 1p.m. to discuss my case with a judge, and if it was not paid, the police were coming to put me in jail. they will not tell you where they are, just that i needed to send money western union for a full amount of 330.95. in a panic, i hung up the phone and scrounged enough money to send them. i went to the bank and fortunately the teller was unable to send it because i didnt have enough information on where to send it. i called this so called company back and told them i didnt have all of the money and of course they were willing to settle. asking me how much i could send them. did i just get scammed?


lrhall41

Submitted by on Wed, 08/25/2010 - 11:17

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Quote:

Originally Posted by Anonymous
this company called me today, at 1100a.m. telling me i have until 1p.m. today to pay them money i owe for a "bad check". they also stated they are going into a courtroom at 1p.m. to discuss my case with a judge, and if it was not paid, the police were coming to put me in jail. they will not tell you where they are, just that i needed to send money western union for a full amount of 330.95. in a panic, i hung up the phone and scrounged enough money to send them. i went to the bank and fortunately the teller was unable to send it because i didnt have enough information on where to send it. i called this so called company back and told them i didnt have all of the money and of course they were willing to settle. asking me how much i could send them. did i just get scammed?



hate to say it,but yes you got scammed.everything in their call was illegal and they broke the law themselves. a couple of things for future reference.

1)you are entitled to written details by law,request it and it must be done.
2)debts are civil matters,not criminal ones.
3)if they were gonna have you arrested they wouldn't try and settle.

btw chances are excellent they will come calling again since you paid them.follow those three points above and tell them to get bent next time.that goes for any scuzzbucket that wants to threaten what they can't do.


lrhall41

Submitted by paulmergel on Wed, 08/25/2010 - 11:39

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hello iam having the same problem with these people they threaten to lock me up now i took a loan out with allied cash. I closed my acoount two months ago bc of someone taking money out that i didnt know who it was. But i had this account with allied cash for over six months before i closed my account. Now they are talking about locking me up for bad checks. I tried to work something out with them a few minutes ago he told me to call around and borrow the money. I tried that and didn't get no where what should i do?


lrhall41

Submitted by on Tue, 08/31/2010 - 16:18

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Quote:

Originally Posted by Anonymous
hello iam having the same problem with these people they threaten to lock me up now i took a loan out with allied cash. I closed my acoount two months ago bc of someone taking money out that i didnt know who it was. But i had this account with allied cash for over six months before i closed my account. Now they are talking about locking me up for bad checks. I tried to work something out with them a few minutes ago he told me to call around and borrow the money. I tried that and didn't get no where what should i do?



this place is compost pure and simple.file a police report for the threat as these idiots broke the law with their threat.debts are civil matters at best,and they can't have you arrested.file the police report.then file AG,and FTC complaints against this pond slime.then hang up on them,or ignore them.either way do not talk to them further.they have to threaten arrest because they have no real way to get money.it is a waste of time to engage them further.


lrhall41

Submitted by paulmergel on Tue, 08/31/2010 - 18:57

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I received a call over the weekend from someone named Douglas and he was telling me that they were trying to collect on a loan that I have taken out from Advanced America in the state of Suoth Carolina. I told him that he has the wrong person considering that I never lived in South Carolina nor ever visited there. He then gave me the last 4 of my SSN and I told him that it was correct but still stating my case to him, he then transferred me to the most rude, hostile, ignorant person that I have ever spoken to on this planet. His name was Richard and I asked him for his last name and he refused to give it to me. He then started making it seemed like I was lying to him when I told him that I had never been to South Carolina. Then the worst part was I asked him for all the information that he had on me and he refused to give it to me. At that point I told him, " don't ever call me again with this Bull if you can't give me any information that I asked for about what you have on me". I then hung up the phone. I don't think that these people are nowhere legitimate especially if they are refusing to provide any information. People who are having issues with this company, we need to unite and shut them down.


lrhall41

Submitted by on Tue, 10/12/2010 - 07:41

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Hello everybody. I got a call from these guys on Oct 18, 2010. I had a loan that I defaulted on with ACE cash express for $650.00 back in July. I was in a car wreck and lost my job in august so the little money I had left went towards fixing my car because i need my car to go to school and look for another job. Anyways they called me on Oct 18th threatening me saying if I don't pay by 5pm the police will come to my house and arrest me. Like most people I panicked. I pleaded with the guy for some type of arrangment that could be made but he was a rude jerk! I'm a full time college student living with my mother and will graduate in the next couple of months. I have a job lined up for me and will be able to start once I graduate. I begged the guy to give me some time and told him once I finish school and start working that i'll pay it off with the first check. He said he didn't care and it's not his problem. The guy was screaming and cutting me off. I fell for it because it was a "bad check" since there was no money in the bank account when ACE tried to cash the check and since then the bank account has been closed. He demanded that I borrow money from my mother or get money from somebody to pay asap or else i'll go to jail. After begging some more he told me he can split the $650 in three payments of $217.87 each and the first one had to paid by 5pm or else. Desperate I went and pawned my my xbox 360, video games and some watches I had to come up with the money and send it by money gram. It was paid and he gave me another week to pay the next amount. I pawned more stuff to come up with the $217.87 and paid it. Now the final $217.87 is due on 11/10/10 and i've exhausted my resources, nobody can loan me the money, i still have no job. I haven't gotten a letter from H & P Capital so is this legit?

I told a classmate about my issues and he told me he defaulted on a loan back in 2006 with cash america. It was forwarded to collections and everything and the most they did was call him once or twice a month and sending him letters asking for payment for the last four years since he defaulted. They never threatened him with jail time or nothing just saying it was going on his credit. He paid it off this year. I do intend on paying this loan off but I don't want to get into more debt or be more in a financial hole. I want to pay it when i'm financially able to. Should I ignore these guys? Any help would be appreciated!


lrhall41

Submitted by on Fri, 11/05/2010 - 15:24

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Im a previous collector for H&P Capital,inc They are a legitimate company , whom does collect on payday loans , I have never heard one of our collectors threaten anyone, it is against company policy and against the law . Most of you whom are making these accusations are deadbeat debtors who are looking for a free ride, According to the contracts you sign when you obtain one of these loans is that they should be paid within 30 to 60 days , and they would not be in our offices if you adhered to the contract you signed, So in closing ,,, GROW UP, PAY YOUR DEBTS, AND QUIT LOOKING FOR A FREE RIDE,


lrhall41

Submitted by on Sat, 12/11/2010 - 14:43

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the above is a complete idiot.a few facts

1)H&P used to be legal mediation practice before they changed names to avoid the trouble from alot of AG'S real legit.
2)the next time your former loser employer known as H&P does anything but break the law with threats will be the first time.
3)just by using the PAY YOUR BILLS line you are a loser,and more than likely are curently violating the FDCPA with another scummy scam collector.

to close loser i hope you have an absolutely rotten holiday.SEE YA!!!!!!!!!!!!!!


lrhall41

Submitted by paulmergel on Sat, 12/11/2010 - 18:57

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You must work for a different company or are living in your own dream world then. These people leave you in the dark on the message to bait you, and then once they have you attempt a vise grip by stating criminal law when it would be a small claims civil issue. Regardless of the outcome, blackmail, extortion, and threats are ILLEGAL. This is true especially when a debt does not exist (such as in my case). I'm happy this "company" has so many lawsuits, I hope it bankrupts them.


lrhall41

Submitted by on Mon, 01/03/2011 - 09:07

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They told me the same thing about removing my name from their list. They kept calling about a debt that belonged to a distant relative.
The only thing that happens is that you are assigned to another rep and the calls keep on coming. Now i just ignore the messages


lrhall41

Submitted by on Tue, 01/11/2011 - 12:08

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OMG thanks for the heads up. They just called my phone 3 times & left me a message. When I got the message. The man was rude & said that this is regarding the claim he received & he would like my side of the story and to call him back. Then he said I wish you luck, I was about to call back because I was like OMG what did I do & why am I into trouble. then I googled the name of the company and this came up. THANK YOU SO MUCH.


lrhall41

Submitted by on Thu, 01/13/2011 - 08:48

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This comapny called me as well. I took a pay day loan out for 500 dollars after they took 750 out of my account and then a additional 650 i stopped payment on the check. Now they called me and said that i needed to pay today or they would come and get me where I was. I never closed my account which is what he sai I did. I stopped pay ment and disputed all charges from them. What do I? do?


lrhall41

Submitted by on Thu, 05/26/2011 - 15:14

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These people got your info from using a fake payday loan site or as they call it a rogue site.
These scammers buy and sell your info and each one who buys it trys to get your money saying you owe for a payday loan or a check that didnt clear.
The best way to get this all cleared out on whether you owe them or
not is to tell them to send the original debt in question to your address via the postal mail service.
If they say they can't or do not have to then they are scammers because it is not within the law not to send you proof of the debt.
If they are scammers then report them to the FBI, FTA your state Attorney Generals office.
In my opinion these people are terrorists and extortionists. They are terrorizing you to pay them on a debt you do not owe.
You may owe on a payday loan but the "real" loan company should be contacting you.


lrhall41

Submitted by on Wed, 05/16/2012 - 18:18

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Listen Credit God your company in general do harass people. Not every one of your employers harass, but some do and this should be looked into. Regardless of the fact, there are some things debtors can do to stop this type of harassment, which does include harsh fines for your company amongst other things. Some people do make loans and don't intend on paying them. However, this does not give your company the right to violate the rights of others. Everything should be handled professionally and not in a threatening manner. Because threats don't make the average intelligent person jump to pay a debt. It should make them jump to their attorney office, the federal trade commissioner and so on. People learn your state laws, especially about debts and payday loans!!!! Don't let them scare you, learn the law. Of course pay your debt, because it can eventually affect your credit or other loan opportunities in the future. If you can't pay it, there are other alternatives to choose from that will stop agencies like HP and so on. Contact a lawyer in your city/state. Wishing you all much success! Oh! if they come by your house, call the police.
Shay B.

According to fair debt collection laws, a debt collector cannot:


  • Call you repeatedly
  • Call you at inconvenient times/places
  • Disclose information of your debts to third parties
  • Use profane/abusive language
  • Contact you after written notification that you do not want to be contacted any further
  • Claim to be affiliated with any governmental organization
  • Misrepresent the character, amount or legal status of a debt
  • Threaten to take any action that cannot be taken legally
  • Accuse you of having committed a crime
  • Threaten to communicate false credit information
  • Attempt to collect even before your request to validate is honored
  • Use deceptive methods to collect debts
  • Call you before 8:00 a.m. or after 9:00 p.m.
  • Call you, but not announce who he/she is
  • Attempt or threaten to collect a debt that is too old to enforce under state law:
    [URL="http://www.creditlaw.com/wp-content/uploads/NCO-Financial-Systems.mp3"]Listen To Caller: NCO Financial[/URL]
  • File any legal action and/or taking a judgment without properly serving the party being sued
  • Waiting years after an unlawful judgment has been secured to attempt further collection activities
  • Fail or refuse to identify itself as a debt collector
  • Speak to others (family, friends, and neighbors) about your debt
  • Demand unlawfully your social security number, credit or debit card, bank account or e-check authorization
  • Fail to send you written details about the debt within 5 days of the first call placed to you
  • Claim affiliation with the police, court or any other authority
  • Make any false promise to improve your credit score


lrhall41

Submitted by on Tue, 06/05/2012 - 12:19

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First, I wanna say Thank You so much for this information. I checked my husbands account because I heard him the other day he was so worried talking on phone talking to this company and telling me about the issue that he might be in jail. So right now, they just took $267.50 from his account ( first monthly payment) I am really disappointed that he don't wanna tell me about the company and he got mad at me for no reason just because they are telling him that he will be in jail. He's on his way to school and I called him about your blog referring to H & P Capital 103112, that's the name that showed up on his account and told him to stop the payment immediately. It's for my husband's future and not really good to know that somebody else's are trying to make money with this bulls%#t. Thank you again.


lrhall41

Submitted by on Thu, 11/01/2012 - 06:10

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