Nevis PDL help
Date: Mon, 02/09/2009 - 16:28
Feb. 5, I received a message to call Gretchen Miller at 904-647-7462 reference business with the state of Washington.
I returned the call same day and the phone was answered as Hartman & Associates. Asked for Gretchen Miller. She told me that Hartman & Associates was a legal processing firm. That they are representing the company Nevis, and that on 29 Dec., I took out a loan on the internet. She said they are collecting on the loan and that I owe $677. 25. She said that I need to pay that today by 4 p.m., or I will be processed and it would be downloaded to Washington at 4 p.m. EST. She further stated that if I get processed and this goes to court, with all the fees and court costs, I would owe over $3,000.
I told Ms. Miller I would not be paying 677.25 and that I would pay the principal of the original loan ($300) when I am able. She insisted that I need to pay today to avoid being processed and asked if I was refusing to pay. I told her no, I’m not refusing to pay, I just am not going to pay $677.25 and I would pay the original loan when I can. She asked again if I’m refusing to pay and I said no, but since this was an illegal and uncollectable loan in the state of Washington I would only be paying the original loan prinicipal. She then said something about me being processed at my work and that I committed fraud by going on the internet to get this loan if they’re illegal in Washington state. I told her to go for it and ended the call.
When I arrived home, there was a message from Gretchen Miller, which I did not listen to since I had already spoken to her. However, the Caller ID on my phone indicated the call was from Balance Recovery Network, not Hartman & Associates as I was told on the phone. This agency has failed to properly identify itself in conversations with me.
On Feb. 6, I received a message at work from Kate Howard, 904-551-7427. I did not return the call. But I did look up the following address:
Balance Recovery Network
1650 Margaret St.
Ste # 302 PMB 180
Jacksonville, FL 32204-3869
904.379.0357 or
904.374.9590 – Fax
Today, I received a call from Anna Weston. She wanted to know what the problem was when one of her co-workers previously called me to try to set up payment arrangements for the $677 they say owe Nevis. She wants to go ahead and make some sort of payment arrangement. I replied that I would not be setting up any sort of payment plan at this time. She said that I need to make some sort of payment arrangement so this doesn’t have to go to court. She then asked “what can we do.†I responded that they could send me a dunning letter. She reply that they can’t because they are not a collection agency, they are a legal processing firm. I asked her to state the name of the firm and she said Hartman & Associates. She then stated that I had already been in collection with this company. I said that was news to me because I had never received any notice of collection. She says that’s because I signed a contract that stated I waived my right to any collection notification and that I would pay back the loan without any notices. If I wanted to take this to court then they will, that it would involve investigations to include contacting my employer, etc. I said fine. I stated again that this company Nevis is an illegal payday company and therefore their loans are illegal and uncollectable in Washington state. She then said that since I sought out the loan, I must have committed an illegal act. At this point she started yelling at me, although I couldn’t tell what she was saying. I started to try talking and she yells at me that I’m not in control of this conversation, at which point I said, as I was hanging up, “Yes I am.â€
Anyone have any words of courage for me, advice, previous experience with these people?
I returned the call same day and the phone was answered as Hartman & Associates. Asked for Gretchen Miller. She told me that Hartman & Associates was a legal processing firm. That they are representing the company Nevis, and that on 29 Dec., I took out a loan on the internet. She said they are collecting on the loan and that I owe $677. 25. She said that I need to pay that today by 4 p.m., or I will be processed and it would be downloaded to Washington at 4 p.m. EST. She further stated that if I get processed and this goes to court, with all the fees and court costs, I would owe over $3,000.
I told Ms. Miller I would not be paying 677.25 and that I would pay the principal of the original loan ($300) when I am able. She insisted that I need to pay today to avoid being processed and asked if I was refusing to pay. I told her no, I’m not refusing to pay, I just am not going to pay $677.25 and I would pay the original loan when I can. She asked again if I’m refusing to pay and I said no, but since this was an illegal and uncollectable loan in the state of Washington I would only be paying the original loan prinicipal. She then said something about me being processed at my work and that I committed fraud by going on the internet to get this loan if they’re illegal in Washington state. I told her to go for it and ended the call.
When I arrived home, there was a message from Gretchen Miller, which I did not listen to since I had already spoken to her. However, the Caller ID on my phone indicated the call was from Balance Recovery Network, not Hartman & Associates as I was told on the phone. This agency has failed to properly identify itself in conversations with me.
On Feb. 6, I received a message at work from Kate Howard, 904-551-7427. I did not return the call. But I did look up the following address:
Balance Recovery Network
1650 Margaret St.
Ste # 302 PMB 180
Jacksonville, FL 32204-3869
904.379.0357 or
904.374.9590 – Fax
Today, I received a call from Anna Weston. She wanted to know what the problem was when one of her co-workers previously called me to try to set up payment arrangements for the $677 they say owe Nevis. She wants to go ahead and make some sort of payment arrangement. I replied that I would not be setting up any sort of payment plan at this time. She said that I need to make some sort of payment arrangement so this doesn’t have to go to court. She then asked “what can we do.†I responded that they could send me a dunning letter. She reply that they can’t because they are not a collection agency, they are a legal processing firm. I asked her to state the name of the firm and she said Hartman & Associates. She then stated that I had already been in collection with this company. I said that was news to me because I had never received any notice of collection. She says that’s because I signed a contract that stated I waived my right to any collection notification and that I would pay back the loan without any notices. If I wanted to take this to court then they will, that it would involve investigations to include contacting my employer, etc. I said fine. I stated again that this company Nevis is an illegal payday company and therefore their loans are illegal and uncollectable in Washington state. She then said that since I sought out the loan, I must have committed an illegal act. At this point she started yelling at me, although I couldn’t tell what she was saying. I started to try talking and she yells at me that I’m not in control of this conversation, at which point I said, as I was hanging up, “Yes I am.â€
Anyone have any words of courage for me, advice, previous experience with these people?
I would send them a DV letter. Legally they have 30 days to val
I would send them a DV letter. Legally they have 30 days to validate the debt.
It's a scam, don't believe that bull crap! If this was a legal f
It's a scam, don't believe that bull crap! If this was a legal firm they would have sent you a letter USPS with a mini miranda warning. I've read this from other members, threats to download your info to WA. Nevis is an illegal company based in the West Indies, so you can almost expect to hear all kinds of empty threats from them. DO NOT give them your account info, tell them if they want payments to give you a valid address to send them to. No address, no money!
PLEASE HELP!!!
I received the same call, and they scared me to death with even worse threats. I was told I was being sued. I was uneducated at the time and arranged for payment! $495 was taken out of my account all at once and it is now out of my hands. How do I go about requesting a refund?
