VCS & Associates

if you search in the bar for VCS there is an address in there.send DV letters asap.send it certified mail return receipt.

here is the address

vision credit solutions(vcs)

4244 ridge lea rd. ste 6
amherst, ny 14226

ph(716)-831-9670
tf(877)-572-7572
fax(716)-831-9679

get the letter out as instructed.this humanoid collector will disappear shortly after they receive it,or you can sue them.

DV letters? Sorry I just don't know what that is.

DV=debt validation.they have to provide how they came up with the amount owed.also their license or bond#.plus anything from the OC.there are sample letters in the do-it-yourself heading up top.

Thank you for your help because now it seems they are calling regarding verification of employment and their 'legal department' has left me a voice message on my work # stating that if I do not call them today by noon est, they will file legal documention, thank you and good luck.

Can they do this?

they are trying to scare money out of you.they can't do that.not like they are talking about.the process would take weeks maybe months if they did that.they are trying to convince you they can do it immediately.they can't and won't.get that DV letter out today.certified mail return receipt.they already left you two messages stating that.if they were going to do that.they wouldn't keep calling and threatening.also in the do-it-yourself section.there is a WAGE ASSIGNMENT REVOCATION letter.give it to your HR or payroll person.then send the DV letter.this bottomfeeder will not bother you once they receive the letter.

Yea I typed up the DV letter that paulmergel suggested and it's in the mail as I type this! Certified and all.

Now this guy that had called earlier said I had until noon est and approximately 11:00am cst a recorded message was received here at my office but no other calls have come through since from this company. Do you suppose they are taking legal action at this point?

nope.just another try to get you on the phone.wait until they receive the letter,and watch them disappear.just asking,but what was the tone of the v-mail?

It was a recorded message. No tone or anything and incidently they just called with another recorded message. Same as before, no live person or anything just the recording. AND so far they haven't faxed over anything to my work HR dept.

they are something else...literally.just know that when they get the letter.those messages will stop,or they can be sued by you.

also know that you can file with your State Attorney's Office regarding harrassment from this company. You can also send a cease and dessist letter to them to stop all contact with you at your home and work and they have to comply or they can be sued by you.

OMG yes I've talked with Sarah Stone and she contacted me here at work as well. She's very rude and leaves threatning messages here, on my cell and my sister house phone. I'm scared too because I did default on a loan. I don't want my wages garnished. I tried to workout a payment plan but then my car engine blew up so my check went on a car rental. I did try to explain to her but she didn't want to hear and continued to threaten me.

send a DV letter to the address above in this thread.send it certified mail return receipt.this is a bottomfeeder that violates the FDCPA left and right.they can't do a thing they threaten.if they could they wouldn't keep calling.

Thank You.

I have just rec'd the recorded call from Joseph Strauss right now on my cell phone.

I have another question not to do with this company but with another. I had another pay day loan and I defaulted. This company sent my payroll dept a letter stating I had defaulted and that when I signed the loan docs I signed this clause below. can they do this? They are taking $409 on my next check out to pay it?

that is voluntary and revocable.give your HR or payroll person a WAGE ASSIGNMENT REVOCATION letter.once they get that then the pdl can't just send that to your employer.you see that is what these pdl's mean by garnishment.a real garnishment requires a court order.again that provision is voluntary and revocable.

I myself defaulted on a payday loan and was contacted by a Joseph Strauss several times on my cell phone. All messages I received was a recorded message. After gaining knowledge from this website and knowing my rights I contacted this company. I currently reside in the state of PA and payday loans are illegal. I was only responsible for paying the amount that was borrowed which I did and actually overpaid. When I called this company another guy answered and said he was Joseph Strauss's assistant! He asked me my name and found my information. He asked me to give him my address and social to make sure he had the right information. I told him that if he found my name in his system then he obviously has my information. I asked him what he was calling for and who he was collecting for. He refused to tell me, and told me that he didnt have to tell me that information and that I was in serious trouble for committing fraud. I now know from this website that they were in violation of the collection laws. I told him this and it made him furious to the point he didnt know what to say. I told him that when VCS sends me a debt validation letter explaining what and who they are collecting for and how much I owe then I will contact them. He told me that it wasnt his job to do that and that I should keep track of my debts. I told him he was collecting for an illegal lender in my state and asked him that in the letter that I am requesting that he list VCS's license number that allows them to collect debts in the state of PA and then I hung up on him. After I got off the phone I googled VCS collections and found their address and fax number. I faxed and sent by certified mail a cease and desist letter and a request for debt validation. I also filed a complaint with the BBB but VCS of course did not respond to the complaint. To this day I have not heard a peep from them! And that was 3 weeks ago. This company I'm sure is illegal and is just out to scare vulnerable people into paying debts they do not legally owe! Just stand your ground and be firm. They will eventually go away.

I need guidance. I took a payday loan for $300 with Titan Group LLC on July 23, 2009. I have faithfully paid $90 interest every two weeks from July 31, 2009 through October 23, 2009 (7 payments totaling $630). On November 6, 2009 the first payment returned due to insufficient funds. I have tried contacting Titan but I am never able to reach anyone during business hours via telephone as I WORK and they have no email listed. Another payday went by, still no contact and no attempt to withdraw the standard $90 payment. Today, November 24, I received a very threatening call from a Ms. Chambers advising me that I have refused to follow up on any previous contact - which I hadn't received. I immediately called only to find out my loan had been forwarded to VCS and Associates. I was advised that the $390 loan was now $510 (I will be generous and assume $90 fee and $30 NSF have been added) and an additional $200 for a retainer fee had also been added, therefore practically doubling my $390 loan to $710! I was also informed that I would need to make restitution by the end of the month (3 business days considering the holiday) or I would be served. I informed them of what happened, explained that I WANT to do right and was essentially informed - pay or else. I mentioned that the soonest I could make payment would be my payday (Dec 4). I was told that I had until the end of the month- period. I mentioned that my husband and I are separating so finances are very stretched but I could potentially see if he could help on his payday on the 1st, since he is military. I was then informed that ND is a property state, and as military, he could be given an Article 19 or 9 (I don't know which because at this point I was nearly in tears!). I am terrified to say the least. I don't think that ND is a community property state, but the off chance that my husband's military carreer could be affected makes me nauseous! please tell me how to proceed. Unlike other scare tactic complaints that people make, this did NOT sound like a scam....not to say that it isn't. I did read the post here and I called back and asked for a DV letter and he is supposed to be faxing it to me. I want to believe that these are scare tactics to get me to go further into debt scrambling to find the money by November 30, but on the off chance that this is legitimate, I just cannot take a chance. Please advise. Thank you so much.

well just know that they are a bottomfeeder just as titan is.this idiot(yes i called him an idiot)broke the law by threatening you.one this is an illegal online pdl that you overpaid.so you owe nothing.second VCS is an unlicensed bottomfeeder that violates the FDCPA with regularity.do not give him a dime.instead file AG,and FTC complaints against VCS and titan.also don't hold your breath waiting for that fax.he of course will claim it was sent,but he and VCS are unlicensed bottomfeeders that need threats and fear to scam people out of money.again titan and VCS scummy bottomfeeders.the loan they are illegaly threatening on is overpaid,and you owe nothing.do not give him a dime.file AG,and FTC complaints.also file police reports for the harrassment,because that is what it is harrassment pure and simple.

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let's see if i,or someone else can come up with an address to send a C&D letter.should be back soon with that.another thing.yes in the case of an illegal pdl you only owe the principle borrowed.you have not only paid it back,but you overpaid.they should by all accounts refund the overpayment.

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[QUOTE=Anonymous;499764]I just got into work this morning and I have received a fax from VCS. I'm not sure what I am looking at, how legal it is, or how I should proceed. It has the amount that I owe, and the two payment "settlement" options that they offered. The second page is an "affidavit and assignment" that states VCS has full power to collect, sue, discharge or settle any portion of the debt.

Once again, my blood pressure is on the rise and I feel nauseous. I CANNOT have this go to court. I am willing to pay on this - even the full amount with retainer - rather than have this go to court. My job is in jeopardy if I am served at work. My husband's career is in jeopardy. This CANNOT go any further. If you would like to see the papers I can fax or email. I can also call someone to help. I am truly frightened. Please offer me any guidance you can. Thank you.[/QUOTE]

yeah,but does it show a license #?they can send anything they want.again,what they sent is not validation.bottmfeeders send phony affidavits all the time.i would use that fax# to send them a DV letter.since they won't furnish an address i wouldn't worry.include a limited C&D.they can send any threats they want.get the DV letter to them,and they can'y do any of it.the phony affidavit is meant to scare you.again if no license # the affidavit is a phony meant to scare you.get the letter out asap.then they can't do a thing without validating.btw anything he sends should be on the OC'S letterhead or paper.

in fact here is their info.them being in NY i doubt this waste of oxygen can or will do a thing except fax phony docs.the info

vision credit solutions(vcs)
4244 ridge rd ste 6
amherst, ny 14226

ph#(716)-831-9670
tf(877)-572-7572
fax(716)-831-9679

again get the letters out,and know he is an illegal unlicensed bottomfeeder.get the letter out certified mail return receipt.again a phony affidavit that was meant to fool,and scare you.get the letter out,and don't speak to this waste of oxygen again.the letter should take care of him.

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if you think it will make a difference i would include any info,but just know that once he gets the letter,and you get the green slip.he can be sued(unlike now where he can't do a thing to you)for contacting after a DV letter was received.

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the part about the license and agent #'s i would demand.again they are in NY,and not licensed which means they can't legally sue.so no sheriff will come to serve you from these clowns.also ask for titan's license to lend as well.that will be more ammo.

you sound like a pro not paying your bills scumbag

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I got a call last night from this company, they said they were the new title of two payday loans for Check N Go and one for M1Yloan which I now that check n go is legal here in UT and the other one is illigal. I have already paid off the Check N Go to them directly as I have never received any notification of it going to collections by mail or other wise. I told him I owed nothing for Check N Go and was not paying a penny more. He proceeded to tell me that I needed to pay over 700 for the other loan I told him no as they are illigal here and I only owe what was barrowed minus the fee's they have already gotten. He told me no and that I owe or we could settle and I was not doing it. I never got any notification for either payday loan companies of going to collection and I have copies of my money orders and when they were cashed, should I worry about this or just disregard them all together?

I got a call last night from this company, they said they were the new title owner of two payday loans for Check N Go and one for M1Yloan which I now that check n go is legal here in UT and the other one is illigal. I have already paid off the Check N Go to them directly as I have never received any notification of it going to collections by mail or other wise. I told him I owed nothing for Check N Go and was not paying a penny more. He proceeded to tell me that I needed to pay over 700 for the other loan I told him no as they are illigal here and I only owe what was barrowed minus the fee's they have already gotten. He told me no and that I owe or we could settle and I was not doing it. I never got any notification for either payday loan companies of going to collection and I have copies of my money orders and when they were cashed, should I worry about this or just disregard them all together?[

I think you oughtta complain loudly to the Utah Attorney General's office.

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where can I get a copy of a DV Letter?
Thanks
J T

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I recommend that you don???t even pick up the phone and talk to them. We can send the Cease and Desist Letter to them.
If you happen to answer the phone, FIRST ask them for their address. Don???t validate that you owe any debt. Don???t offer any additional information. If they don???t offer you their address, then tell them you have contacted an attorney and have been informed that their address is 4244 Ridge Lea Rd. Ste 6, Amherst, NY 14226 and that your attorney has instructed you to tell them that they were mailed a Cease and Desist letter and that they are in violation of the FDCPA (Fair Debt Collection Practices Act) and that you have a log to write down every contact they make with you from here on out. Tell them your attorney is going to file a complaint with the FTC regarding their illegal acts and will also file for sanctions if they do not comply immediately.
They should hang up on you at that point

Thanks for the info everyone. I truly appreciate being enlightened on the scare tactics some people are willing to resort to in order to make a buck.

http://whocallsme.com/Phone-Number.aspx/8775727572/2

These are my recent responses on the above website...

I have received a call nearly everyday...sounding VERY OFFICIAL and sombre in tone...using words "like filing an action in your county"...they also mentioned another person's name in the action(not my husband since I am unmarried) and referenced a property for which I have NEVER had an issue with (particularly with another person). All of my business affairs are mine alone! The way they referenced the property was as though there was an 'incident' there (very generic) and making you think that they really know something. At least 3 times the message was if I don't respond by the end of the business day that they will have no choice except to RECOMMEND action taken and that they only want to help me, so it's in my best interest to call. YEAH RIGHT! They can go ahead. (but they're fake and won't cause it will cost them $ to do so) Also, know your rights. They CANNOT file a civil action against, only the original creditor can by filing with their attorneys. These folks buy debt (pennies on the $) --if you have a creditor you didn't pay, you probally shouldn't pay these folks. If you plan on paying the debt- pay it back to the company you were originally indebted. The original company will take the payment more often than not. Also, know that bad debt can only be reported for a maximum of 7 years from the last payment made. So don't restart a clock by giving folks money on old debt...you've come this far your slate is almost clean.
Caller: VCS Associates
Call Type: Debt Collector


2nd response....

Thank you AMAZED you are so right. Folks, realize that the responses which sound as though some light has been revealed and they are soooo thankful about "forgotten" debt are the very same folks many have commented about. BEWARE. Get your free credit report (1 from each agency once a year---you should check it every year for free) annualcreditreport.com

If you do find this company on your report, check to see which company (your old debt) they are attempting to collect for. If it's more than 7 years that you owed the particular company (the orginal debt company), you can have the credit bureau remove the collection company from your report by telling the credit agency that the debt is old and ties to an old creditor (use the dispute button on the computer or send the credit bureau a written note)

Paul you are a god send!!
I filed bankruptcy on the 24th... I need the complete address of this "creditor".... Nuff said.
If i don't come here again - cuz i'm new to social sites - this is my first... Only cuz i put in vcs and i clicked on the link and voila.... Anyway

if i dont come here again you have a great holiday season

thanx for helping one person... Now two... And dunno who else



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this company is NOT going to sue you, can't arrest you (debts are civil, not criminal) and are making false threats, which violates federal and state laws. you should file a complaint with the NYS Attorney General's office by calling them at 716-853-8404

i am an employee of vcs and associates and how am i scumbag beacause i work for a living? if any body is a scumbag its the people taking theses loans out then trying to find any little technicality not to pay a debt that you in fact owe. we do not use scare tactics or threatin anybody we inform you scumbags of our rights and do have the right to pursue the accounts because we own them!!!! And our job isnt to waste our time typing and sending letters to you people. You no you took a loan out so pay it back SCUMBAG!!!!!

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VCS employee it is a proven fact that companies who attempt to collect on illegal pdl's are likely to be illegal themselves or they take highly illegal actions. It is fine for them to say they will recommend suit or even to file suit if they own the account. What is not fine and is in fact illegal is for them to say they will have the person arrested, or they will take away their home, etc. It is illegal for them to not send a letter regarding the account. By LAW a CA has to send a dunning letter within 5 days of initial phone contact.

If your company acts in a legal manner then they should have no problem sending documentation when they get a dispute notice. IT IS THE LAW.

Vision Credit solutions isnt even a legal third party collections practices. So you work for a practice that condones calling names. The Fair debt act states that you can't annoy or threaten or call names. You're illegal and practicing illegal collection techniques. Ask yourself how do you fall asleep at night, knowing that you live to call people names that owe a debt, I'm fairly positive you're not the perfect person. Stop harassing people on these forums.

SURE..... thats why Mrs. Chambers called and left a voicemail. that there was an "allegation" that was being filed with my local court....... By the way I recorded that call on my camera VCS number and all

I, too, have received two automated calls from Joseph Strauss @ VCS. I called this evening and spoke to Mr Tracy as Mr Strauss had already left for the day. He said that Check N Go (I obtained multiple loans in OH, and in order to break the cycle, closed my bank account, so the debt is valid) had paid them a retainer and asked if I wanted to voluntarily pay it. He said that if I didn't, Check N Go was prepared to have me charged with check fraud across state lines (as I now live in GA) for attempting to defraud a financial institution. They offered a 30% down payment (need by the end of the month, of course) and I told him I couldn't afford that. Finally, they agreed to a $200 down payment (my offer) and then 6 biweekly payments.
I told him I would make the $200 down payment via Moneygram, and he said I would need to get a prepaid card I could load funds on to if I did not want to provide my personal bank information for payments thereafter.
I agree I owe the debt, and I've been waiting for it to be turned over to a collections agency so Credability (formerly CCCS of Atlanta) could handle it in a DMP along with other debt (and a couple other PDLs).
I have previously consulted a bankruptcy attorney and may ask him or even Credability how I should proceed with this. I don't want to commit to 6 biweekly payments of $200+ because I don't want to overextend myself, which is how I got into this mess in the first place.
So, VCS is a collection agency and not a law firm (that's what I've got from this thread).

yes vcs is a collector and a bottomfeeder to boot.ue the address i gave above and send this place a DV(debt validation)letter.btw vcs is a JDB and broke the law in threatening fraud as an ACH is not a check and can be revoked at anytime.send the letter and until you receive something in writing back do not talk tothem further.btw send the DV certifid mail return receipt.again do not think about paying them until they validate in writing.