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Being Threatened with Bank Fraud....help!

Date: Thu, 09/03/2009 - 12:16

Submitted by Pat King
on Thu, 09/03/2009 - 12:16

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Total Replies: 5


About six months ago I was going through a very tough time. I am a divorced lady with only a modest income. I had a student loan from way back in 1988 that I was forced to pay the balance through payroll garnishment. When they started taking $500 a month out of my paychecks, I was quickly going under and having a difficult time paying my rent, car loan, insurance and had very little left for food and gasoline. I also have a bunch of pets to feed. I found that I could take out online payday loans very easily, and frankly I didn't think about the consequences of paying them back. I had six loans ranging from $150 to $400 each. After I got the first two, I had no trouble paying them back, so they increased my loan amount available. Then I had a health issue that came up and I had to go into the hospital. That took all the extra money I had available to pay the co-pay for the surgery that I needed. Once again I was strapped for money. The payday companies then started taking out only the interest, and doubling the amount of interest on every subsequnt payday. It got to the point where I wasn't even getting a paycheck...all my money was being siphoned out by the payday loan companies and leaving me totally broke. When my bank account started going negative, I begged the bank to close my account...but they would not. The payday companies were notified to quit debiting my account...and they would not stop. Then my bank account started going way in the whole. Some of these payday loan places would attempt three and four times a day...everyday to take money from my account. Every time they did this, they (the bank) charged me with an overdraft fee of $35.00. Before I knew it, I was close to $1000 in the red, and the bank still would not close my account. At that point I just gave up until the bank automatically closed the account because it was so severely overdrawn. I also asked my employer to quit depositing my checks to the account but to instead write me a paper check. Then the harassing phone calls started coming from pdl's. I was so behind on my car note, and other bills, that I decided to file for bankruptcy. I did that back on June 22nd. All of my creditors including the pdl's were listed on this bankruptcy and they were all sent letters of the filing. My attorney's paralegal went to great lengths to help me find the addresses for these 6 pdl companies, which wasn't easy..
I received a call from a man calling himself Investigator Jay about a month ago. He started telling me that I had committed fraud in closing my bank account and that they would contact the D.A. in the parish in which I live if I didn't pay up. I asked what company that he was calling about and he said CMG. I explained that I was in bankruptcy and gave him my attorney's name and phone number and the case number. Yesterday, my bankruptcy case was confirmed by the Judge. This morning I had a voicemail on my cell phone from some woman named Jennifer telling me to call her immediately or I would be prosecuted for fraud. (I am sure she was from the same company as before though they don't identify the name of their company when answering the phone.) I called her back, and this Investigator Jay answered. I asked to speak to Jennifer. She came on the phone and told me she was talking to my sister in law at that moment. But then she went onto tell me once again that I was about to be arrested for bank fraud because I closed my bank account. I told her about my bankruptcy and that it had been confirmed yesterday. I gave her the attorney contact information again. Then I talked to my sister in law. She told me this woman told her everything about my business and why she was looking for me and that I had committed fraud! She also told my sister in law that she was an attorney. She went on to tell my sister in law that she was about to contact my employer and everyone else in my family about this. I think this company has committed a totally illegal act, haven't they? I have a call in to my attorney now and I am waiting to hear what he says. The bad thing is that these people have already been paid back the entire principal of the loan and several interest payments as well, yet they are making these threats wanting much more from me.
Any suggestions? I am so upset that I cannot concentrate on my work.


everything they stated is a false threat.i would contact your attorney,and the trustee.i hope you saved that message.that could get you$$$$$,and them in big time trouble.harrassing on a debt in a BK petition is a no-no.they are counting on scaring you.again,let your attorney know,and play the message if possible.you have nothing to worry about.the bottomfeeder does however.


lrhall41

Submitted by paulmergel on Thu, 09/03/2009 - 12:20

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I spoke with my attorney this morning concerning this pdl thing. He informed me that in Louisiana, the D.A. won't even hear the complaints from these pdl people first, and they won't prosecute for non-pay on a pay day loan. He also said this woman from (Marvin and Associates) had violated so many laws. 1) she is no attorney as she stated she was 2) she violated the bankruptcy stay 3) she discussed my information with my sister in law 4) she made threats of arrest.
My attorney is so angry about this and is moving forward after these unscrupulous predators. Hooray! I will let yall know what happens.:D


lrhall41

Submitted by Pat King on Fri, 09/04/2009 - 07:38

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