EMERALD MARKETING LLC........ FRAUD FRAUD FRAUD......
Date: Tue, 07/07/2009 - 07:59
Creditor....: Emerald Marketing Group, LLC 09
File#.......: 77023
Full Balance: $ 644.38
The difficulties experienced when attempting to work with you on a voluntary basis have led to your account status being changed to Refusal to Pay/Intentional Neglect. You have been notified of the actions being taken and have been offered multiple payment arrangements and settlement opportunities and have declined all options available to you.
Whether or not you considered it or not, borrowing money and intentionally neglecting to repay what was loaned to you is a serious matter and all appropriate actions can be taken to collect this balance.
I am required to notify you that the verification process has been completed with Maria Klinger of SKA Structural Engineers and in order to stop the release of the paperwork, you will need to contact 877-822-1191 by end of business today.
We have the right to hold you responsible for the balance showing plus any fees and costs associated to enforce your contract and collect this debt.
Pamela Turner | EMG Recovery Department
Emerald Marketing Group, LLC | (: 866-358-4608 x0107 7: 800-496-3079
pamelat @ emeraldmarketingllc.com | emeraldmarketingllc .com
I don't remember e-signing for a loan from this company. However the bank says that they deposited money into my account back in March 2009. I then assked Pamela Turner for a copy of my application she stated that she sent it to me before and wasn't going to send it again. So when I threatened to contact the police she sent an attachment to me.
Along withthis email: This is from Pamela Turner by the way.. This bitch is rude as hell.. And will contact your job stating that she's calling from the state department. The name she uses is Mrs. Rice.
From: Pamela Turner [EMG] [mailto:pamelat @emeraldmarketingllc.com]
Please have your attorney contact me or provide me with the name and number so that I can speak directly with him. We already have copies of bank statements showing the direct deposit of the funds. I don’t believe I have ever seen anyone go to this extent to avoid their responsibility. We are not third party collections Ms. Powell so cease and desist does not apply to my company. By the way, I just finished a phone call with your HR department explaining the situation, please be assured they understand why we have contacted you.
When I looked at the e-mail it was a application with information missing like bank name and number what day i get paid on, and my social was wrong as well, but they are to verify this information first hand before processing a loan.Right?
So I will be contacting a lawyer in regards to this. Now I received a e-mail today stating that my information has been sent to the finalization department. So I guess this will be continued later on. I wonder if someone. whose name has been mentioned on here will be contacting me.. I don't know how to make it stop.
Unfortunately it is hard to make these things stop. But don't f
Unfortunately it is hard to make these things stop. But don't feel too threatened...much of that is a bunch of hooey...seriously..they try to make it sound all legalized but it just plain sounds dumb and retarded.
Quote:
finalization department |
Riiiight...I wonder if they have a Initialization department as well. :)
BUT since your bank has it recorded that they did deposit money in your account, you could be liable for that amount....but nothing else if you did not initialize that loan.
Since it seems they are the original creditor many of those things (like DV< C&D) won't work.
First, find out if that company is even a legal lender in your state. If they are, then shoot her an email telling her that none of her threats scare you, the simple fact is that you did not take out a loan with her company. Since obviously money was deposited into your account, you have no problem with paying back that exact amount, but you will not be forced into any fees or interest and if she persists in harassing you and does take you to court, you will fight her and likely not have to pay a single dime since she has no documentation proving you agreed to any of this and in fact had not taken out a loan.
About Pamela Turner
Oh I too received threatening emails from her of course until I told her off directly by phone and email and sicked my attorney on her as well. Then her and another guy was sending me emails about a settlment offer for about 6 months. They cant put yo uin collection for a payday loan because its too much fraud and they really have to prove it was you. I knew I never had one before so I was not too worried. after about 7months or so shoot maybe even akmost a year they left me alone.
I'm going through the same exact thing. They said the money was
I'm going through the same exact thing. They said the money was deposited into my back account March 2009 and saying that I now owe 602 dollars. It did show that they deposited $200 into my bank, but without my permission.
Now, they are calling my work and threatening to "garinish my wages". I am freaking out. I have so many bills to pay, if they take that 602 out that will be ALL of my paycheck and I won't be able to pay my bills.
Please help me.
Quote:Originally Posted by AnonymousI'm going through the same e
Quote:
Originally Posted by Anonymous I'm going through the same exact thing. They said the money was deposited into my back account March 2009 and saying that I now owe 602 dollars. It did show that they deposited $200 into my bank, but without my permission. Now, they are calling my work and threatening to "garinish my wages". I am freaking out. I have so many bills to pay, if they take that 602 out that will be ALL of my paycheck and I won't be able to pay my bills. Please help me. |
you should give a WAGE ASSIGNMENT REVOCATION letter to your HR or payroll person.you see being as they are not based in this country.they can't get an actual garnishment.that takes a court order which they have to sue in your town,village,county,or bourough.they will try to submit a wage assignment.those are voluntary and revocable.after that they can't anything except call,and threaten stupidly.
I work in mortgage collection, but am very familiar with FDCPA g
I work in mortgage collection, but am very familiar with FDCPA guidelines. Some big things to remember when these guys are calling you is:
1. It is illegal under FDCPA guidelines to leave a message at work, if you request no calls to place of employment, the agency has to comply and remove that number from the system.
2. Anytime they call or contact you in regards to your "debt" they have to read you/include what is called a mini-Miranda, which should say something along the lines of "this call is an attempt to collect a debt, any information obtained with be used for that purpose" again, illegal if they don't give that disclaimer or one like it.
3. I took out multiple payday loans back in 2005, none have shown on my credit since. They are horrible, fraudulent loans with unrealistically insane interest rates. If they continue to try to draw money from your account, as they did mine, contact your bank or try to close the account.
4. It is illegal for them to threaten you in ANY way. There is absolutely nothing they can do to you, they cannot arrest you, the generally cannot garnish wages (some states do allow wage garnishment so you may want to look that up, but only in extreme cases, and I don't think these companies would ever be able to receive an order from the courts).
5. If they are calling you on a cellphone, per FDCPA guidelines, if you request the number to be removed (since it would be eating your minutes) they have to. It is the law.
Don't be afraid of these jerks. Just quote FDCPA and reporting you to the FTC/ State Attorney General blah blah and they should leave you alone for a while. I did not know all of this when I initially took out the loans and had them calling my home, work, parents (put them as references on the application). And the last thing to know is, it is illegal for them to give anyone information in regards to the debt, if they are either not on the loan, or not authorized by you. If you have documentation where they have been harassing you, sue the bastards.
Good luck!
pamela turner is a bitch!
pamela gets her nuts by calling your job and threating to take your pay.she said to me this morning if i didnt pay $100 dollars to her by 2pm friday .she will garnish my wages but my lawyers is going to sue her for harrassing me at work.and i also went to the hospital and seen my doc she said pamela turner is my reason for getting depress so she will also testify at my law suit hearing.also i had a miss carriage early today after i spoke to her .she was hollering at me and calling me a black niger!!!!!my brother is living in nevada so he will visit her office tommorrow to file a former complaint to her boss but the law suit has already been started.we also found out that her company is loaning money illegal to all florida residents her laws dont work in florida.
From what I understand and please by all means correct me if I a
From what I understand and please by all means correct me if I am wrong but a creditor collecting debt in it's own name and the primary function of the business is not debt collection then legally the fdcpa holds original creditos in exclusion to the creditor as long as they are using the business name and not making it appear as if they are another company, the only permissible exclusion is abbreviating. Of course it is good and best practice to follow the federal regulations even if you arenot required to.
Quote:Originally Posted by AnonymousFrom what I understand and p
Quote:
Originally Posted by Anonymous From what I understand and please by all means correct me if I am wrong but a creditor collecting debt in it's own name and the primary function of the business is not debt collection then legally the fdcpa holds original creditos in exclusion to the creditor as long as they are using the business name and not making it appear as if they are another company, the only permissible exclusion is abbreviating. Of course it is good and best practice to follow the federal regulations even if you arenot required to. |
the original creditor is not bound by the FDCPA.however a JDB(junk debt buyer) is.when a JDB buys a debt,they own it but are not the original creditor.they are bound by the FDCPA,and must adhere to it.
How would you go about suing a loan company for illegal collecti
How would you go about suing a loan company for illegal collection tactics? They say they are calling from the lenders "internal litigation dept." I have sued collction agencies before but not a creditor, does that require a class action since they seem to have more lee way than a collection agency, I'm hoping to get about $5,000 out of these people for thier threats and constant phone calls and mental ainguish I have had to deal with. Any info is appreciated, thanks in advance - James Madison, Cheyanne Wyoming
Quote:Originally Posted by AnonymousHow would you go about suing
Quote:
Originally Posted by Anonymous How would you go about suing a loan company for illegal collection tactics? They say they are calling from the lenders "internal litigation dept." I have sued collction agencies before but not a creditor, does that require a class action since they seem to have more lee way than a collection agency, I'm hoping to get about $5,000 out of these people for thier threats and constant phone calls and mental ainguish I have had to deal with. Any info is appreciated, thanks in advance - James Madison, Cheyanne Wyoming |
James, I am currently suing Emerald Marketing, LLC, as I too have been contacted by Pamela Turner. She has broken many laws under the FDCPA, and there are REAL attorneys out there who will help you in situations such as these. You sue the creditor the same way you sue the debt collection agencies. As long as they are attempting to collect a debt, and breaking the law, they can be sued. I suggest you follow the same path you chose when suing the debt collectors, because these are essentially the same types of Attorneys that will help you sue any creditor, and in most cases, free of charge. I simply Googled "bad debt collecting practices" and came upon many sites with attorneys offering to hear my story. It took 3 months, but my case is now going to trial.
I too am planning on pursing legal action against Emerald Markin
I too am planning on pursing legal action against Emerald Marking, LLC. I work for attorneys and have had my boss review everything I have received from these people. My "Pen Pal" is Marsha Sousley. Ms. Sousley called on Monday to advise that she was going to have my wages garnished. Having been a paralegal for 20 years (even though this is not my area of law), I asked her when the lawsuit was filed against me and why I have not been served or contacted with it. Furthermore, I asked where the final judgment was that she had gotten against me in order to garnish my wages. She assured me everything would be filed the next day (yesterday). I checked all the local counties. No lawsuits filed against me. However, since I live in Florida, I filed a Consumer Collection Practices Act Complaint also. Don't believe what they say. They are idle threats.