Received letter from alleged payday loan collection agency. Advice?
Date: Sat, 03/14/2009 - 11:33
I got a phone call from "Mr. O'Rielly" at "The distribution and acquisition network" and they claim to be affiliated with cashnet. They said that I owe cashnet $472.50, so I asked them to send me proof in writing. Here's what occurred this morning:
1. They never told me where they were calling from (company name). They only referred to a case number and this was going to court.
2. They didn't ask to verify my current mailing address (which they don't have even to this day), and I have since moved out of the state that they have on record.
3. I asked them to send proof in writing, and instead they included a "bill", which does not even say that I'm allowed to dispute it.
4. The name on the letterhead read "The dist r ibution &a c quisit ion net wor k" exactly like that....no capitalization and odd spacing.
5. Their address according to this letterhead is
2316 Delaware Avenue Suite 351—Buffalo, New York 14216-2687
Phone: Toll Free: 1 (877) 368-1529 Fax: 1 (877) 387-8219
I can't help but think this is a scam. I don't recall this loan, and when I requested proof all they sent me was the following. I've also attached a copy of the letter for anyone's review (account information blacked out).
OUR RECORDS INDICATE THAT WE HAVE NOT RECEIVED A PAYMENT ON THE
ABOVE ACCOUNT SINCE THE DATE OF OUR FIRST LETTER. PLEASE MAIL THE
FULL BALANCE TO AVOID ANY FURTHER COLLECTION ACTIVITY.
BALANCE DUE: 472.50
DUE DATE: Friday, March 20, 2009
IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT OUR OFFICE. OUR CLIENT
RESERVES THE RIGHT TO RESOLVE THIS IN CIVIL COURT UNDER APPLICABLE
STATE LAW SHOULD VOLUNTARY ARRANGEMENTS NOT BE MADE.
YOU MAY CONTACT A REPESENTATIVE TO DISCUSS THE OPTIONS AVAILABLE
TO YOU IN RESOLVING THIS OBLIGATION. A REPESENTATIVE MAY BE REACHED
AT THE ABOVE TOLL FREE NUMBER.
THIS IS AN ATTEMPT TO COLLECT A DEBT; ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE.
They wouldn't mail this letter to me, only e-mail, and this is the first I've heard of this apparent debt since it allegedly occurred in 2006.
I was going to respond and ask them for further proof because this isn't exactly what i had requested as "proof".
Do you think I could send a return e-mail response with "cease and desist" letter, or should I mail one? Any feedback would be greatly appreciated. :D
Thanks!
1. They never told me where they were calling from (company name). They only referred to a case number and this was going to court.
2. They didn't ask to verify my current mailing address (which they don't have even to this day), and I have since moved out of the state that they have on record.
3. I asked them to send proof in writing, and instead they included a "bill", which does not even say that I'm allowed to dispute it.
4. The name on the letterhead read "The dist r ibution &a c quisit ion net wor k" exactly like that....no capitalization and odd spacing.
5. Their address according to this letterhead is
2316 Delaware Avenue Suite 351—Buffalo, New York 14216-2687
Phone: Toll Free: 1 (877) 368-1529 Fax: 1 (877) 387-8219
I can't help but think this is a scam. I don't recall this loan, and when I requested proof all they sent me was the following. I've also attached a copy of the letter for anyone's review (account information blacked out).
OUR RECORDS INDICATE THAT WE HAVE NOT RECEIVED A PAYMENT ON THE
ABOVE ACCOUNT SINCE THE DATE OF OUR FIRST LETTER. PLEASE MAIL THE
FULL BALANCE TO AVOID ANY FURTHER COLLECTION ACTIVITY.
BALANCE DUE: 472.50
DUE DATE: Friday, March 20, 2009
IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT OUR OFFICE. OUR CLIENT
RESERVES THE RIGHT TO RESOLVE THIS IN CIVIL COURT UNDER APPLICABLE
STATE LAW SHOULD VOLUNTARY ARRANGEMENTS NOT BE MADE.
YOU MAY CONTACT A REPESENTATIVE TO DISCUSS THE OPTIONS AVAILABLE
TO YOU IN RESOLVING THIS OBLIGATION. A REPESENTATIVE MAY BE REACHED
AT THE ABOVE TOLL FREE NUMBER.
THIS IS AN ATTEMPT TO COLLECT A DEBT; ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE.
They wouldn't mail this letter to me, only e-mail, and this is the first I've heard of this apparent debt since it allegedly occurred in 2006.
I was going to respond and ask them for further proof because this isn't exactly what i had requested as "proof".
Do you think I could send a return e-mail response with "cease and desist" letter, or should I mail one? Any feedback would be greatly appreciated. :D
Thanks!
This sounds like the same ones I've gotten calls from. Please l
This sounds like the same ones I've gotten calls from. Please look under the payday help forum for a thread about a "heavily accented Brad". I think you will get more information there. They have info. regarding your bank accounts and references but, they are a scam.
Awesome!
Heavily accented Brad...that's who I spoke with! I couldn't quite figure out where he's from, but I know this is a crock. Do you think, however, I should even respond to the e-mail they sent me with this letter stating not to contact me via phone or e-mail going forward?
