Investigator?

Just found out they called my sister this morning too, and he said he's been "trying to get a hold of me all day", and they are going to arrest me for check fraud and that I wrote a check to a company in Jacksonville, etc, etc. I dont know if I should call back.

So is this guy saying he's working for the collection agency? If so, I'd ask him to send you a debt validation letter, see what he says to that.

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I called back. Big mistake. I said I wanted to know what it was for.

It turns out it's for a company that was a storefront. I guess they sold it off to the debt collection agency? Is that how it works? It was a storefront that hasnt been helpful-- and when I sent them a letter, called me and got nasty and said they didnt need a stupid letter, they needed me to come in and pay NOW.

So, I told him I just wanted to know what it was for, and that he called my sister and that wasnt cool to give my personal information to her, and I didnt appreciate it,-- and that I looked up their company, and they were a debt collection agency, not a law firm.

He interuppted me and screamed "YOU WANNA GET LIPPY WITH ME? I'LL TELL YOU HOW THIS IS GOING TO WORK!!!" and then turned to someone there and said "I'll sign the damn papers, we're taking this bitch in.". And then got back in and said "LET ME TELL YOU WHATS GOING TO HAPPEN. IM SIGNING THESE DAMN PAPERS RIGHT NOW, WE ARE CHARGING YOU WITH A WORTHLESS CHECK AND WITH INTENTIONAL FRAUD!" and then said they had a surveillence video of me going into this store. (Funny, they dont HAVE a video)

I know I wrote the check. Frickin' Duh! But, you cant charge me with worthless check for a PAYDAY LOAN. He wouldnt let me explain anything because he said I was getting smart--- I repeated myself four times "What is the name of the company? What is the name? Hello, will you just tell me the name??" while he was telling his buddy that he was taking "the bitch in".

see my ammended response above.united processing is a bottomfeeder.send the letter right away.

Thank you so much, you are super helpful! I fully understand this is a legal debt and with a storefront loan, but... this is just wrong to harass me and talk to me like this and I wont put up with it. What is a DV letter?

dv=debt validation.in a sense you are demanding they validate the debt.as well as their right to collect it.there are templates in the do-it-yourself section.you can customize it to your needs.it is important to get that out asap.then if they continue to harrass.then you can take legal action against them.which is more than i can say for them.chances are this storefront sold it to united processing,and they can't validate so they must not contact until they can.also since they won't reveal who they are collecting for that is also a giveaway to me.get the letter out,and watch them dissappear.

Thanks again, I really appreciate your help!!! I honestly thought the storefront would take me to court, and then I could work it out there. Not ideal, but since they wouldnt work with me, SOMETHING had to.... but this is just ridiculous!

Where do these people come from that think screaming idle threats that have no basis or value works... (even my kids are aware that it doesn't change anything and they are young). I would also state in your letter some of the FDCPA regs etc... you know just a friendly reminder.

You know if going to jail actually worked half of the people that are MAKING these calls would be in jail before they would even have a chance to get those of us who "defaulted" on PDL's

It's crazy what they can get away with.

I do have a question though...

What would be the best way to handle the actual debt? I cannot afford it up front, and the actual payday loan place has been really nasty and tells me to call them and come in. Because they have changed their word multiple times, I'm afraid to not have everything documented. I'd happily make payments, but they were refusing payments previously.

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It's a little local place called Cash Advance, they arent a part of a chain or anything.

Okay, this payday loan place is really unhelpful. And, in an effort to have all the proof I need to verify I've been trying to set up payments, I sent another certified letter to the payday loan company the same day I sent the collection agency a DV letter.

I have asked for everything in writing, and they absolutely REFUSE to do anything in writing. They will call and leave me nasty voicemails-- the last one I havent even listened to yet because quite frankly, Im tired of checking my voicemail and having to hear their crap. They get nasty and say they dont want a "little letter in the mail", they want me to call them everytime I need them--- even though calling does nothing.

Does anyone have a suggestion on how can I handle them? I want it IN WRITING everything that is going on now, since the debt collectors involved are so nasty, and the PDL loan place is so nasty--- I want everything documented, and signed. Can I just start sending some payments and see how it goes from there?

tom curren (904-721-3711) i received a call from tom saying that i owed them 1300.00 and stated that i had 45 min to send the money to jacksonville, fl..i informed tom that i wasn't aware of what he was talking about and he stated that i had commited 2 felonies and i was facing charges.tom told me that he was an investagator and stated that he would allow me 45 min..informed tom that i had no money and told him that if i was quilty then i would be willing to commit to payments..tom then told me that he was not going to take any payments and says that i would need to pay the debt in full..tom then spoke w/ my aunt and told her that he would hold off on signing the warrant if i could get the money to him by 3:30pm..my aunt then informed him that i didn't have that kind of money to just give away in a lump sum..tom then stated that he would call back..tom then called me at 7:30am and asked why i hadn't sent the money, told tom that i didn't have the money and informed him once again that i would make paymnents if neccessary..i then asked tom was this a collection company and he stated that it was, stated that the acct had been turned over to collections and stated that they sent him the email (investagater) b/c the check was wrote on a closed acct.informed tom that the acct was not closed when the check was wrote..tom then stated to me oh, well you made your bed now lay in it, he then h/u on me..15 min later tom clled back and stated that he would give me a chance and stated that if i could send him half the money then he would work w/ me on the payments..informed tom that i had no money at the moment but would do what i could do, tom said that he did not care about that but i should call him back within another 45 min or he was signing the papers..i called the police and they stated that i should not send the money and stated that he could not issue a warrant from a different state..this is not right and something needs to be done..if you're w/ me then we need to contact an atty and get this stopped..

You need to file complaints with the FTC, BBB and your AG. Keep track of the times you were called, the number and the name of the person calling. Not sure it will stop you from being harassed but the more complaints received about these situations the better the chances of it being investigated increases. Don't speak to them on the phone anymore, just note the number called (it will probably change) and hang up immediately.

this is too funny