Biggest-Cash.com = Biggest Nightmare (I need your help!)

Okay, so I'm extremely glad to have found this site. In November 2008, I moved out of my folks' house and needed a quick run at some money to put down a security deposit.

The loan was taken out on 10/31/2008 was for $400.

Payments were as follows:
11/20/08 - $120 - leaving my account at a negative 116.95. Payday/Direct Deposit was on 11/21/08.
12/03/08 - $120 - leaving my account at a negative 107.55
Payday/Direct Deposit was on 12/04/08 (notice a pattern?)

Then I started getting into trouble... Rent was due, overdrawn...

12/18/08 - $120 - Overdrawn over $300 at that point, so it returned.

12/24/08 - $120 They hit me again and it cleared, but all 8 of my other transactions bounced because of it. Lots of overdraft fees.

12/24/08 - $10 returne "check" fee

12/31/08 - $120 attempt - Overdrawn into the $500's at this point, returned.

1/07/09, 1/15/09, 1/22/09, 1/29/09 - $120's and $50 attempts - Overdrawn into the $700's at this point. Returned.

No Activity in February, merely because I stopped my direct deposit at that point because it was only covering overdraft after overdraft and I was unable to feed myself for a few months.

End of February and my income taxes just about covered the $900 in overdraft fees.

They leave me alone until March....then....

3/26/09 - Red River starts deducting $725 out of my account. Luckily I was only keeping about $100 tops in there.

4/9/09 - Red River tries again $725.

I am currently overdrawn only $100.

Then the phone calls start. They don't call me because I don't answer "Unavailable" numbers. They call one of my "references" who happens to be a highschool friend and leaves a message on her voice mail that I committed fraud and her name is involved in the lawsuit. They leave a number and a file # to call back with.

I called them back during the daytime and got a man with a strong accent. I tape recorded the entire conversation. He told me he worked for a "law firm" and was handling the case. Funny because (213) 784-4844 is not listed anywhere as a law firm. They didn't answer with a firm name, just a "hello?"

I got on tape, this man telling me I had to pay by Friday or they were going to proceed with legal action. I told him I needed a debt validation letter, and he didn't seem to understand what that was. I asked him several times if he was from a real law firm and he said yes. Funny, for someone who is a "lawyer," he did not seem to know the law as far as the FAIR DEBT COLLECTION ACT states :)

I repeatedly told him "this conversation is being recorded, and it will be used against you." At one point in the call he told me "You do not have to pay back this debt" after I stated that I would like a validation letter and to make payment through USPS Money order only. He claimed I can only make it through credit card.

Anyhow, that's my story. I live in New Jersey where we're supposedly not allowed to get these things. Bank of America has been the worst at helping me close down my account and since I have bad feedback on Chexsystems, nobody else will give me an account. I really don't like those prepaid debit cards and having to pay fees to put money on them when I have very little money (I work for a non profit organization.)

I got some of the letters that you guys posted on here and plan to use them accordingly. I never got a mailing address for Biggest-Cash.com and the emails they send me have spoofed email addresses to begin with.

Principle - $400

Paid - $ 360

I only owe these scammers $40 principle. They overdrew me about $2000 total in bank charges in the course of 3 months. Any advice will be appreciated.