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HZB Financial Services - Are they any good?

Date: Tue, 04/20/2010 - 04:30

Submitted by anonymous
on Tue, 04/20/2010 - 04:30

Posts: 202330 Credits: [Donate]

Total Replies: 23


Has anyone heard of a company called HZB Financial Services? They say they aren't a collection agency but I went to their website and they are. They recently tried to call me at work to obtain information about me and I told them not to call me at work. Then the guy tells me that he will call again if i don't call him back. And he will talk to human resources. I live in Maryland and I thought that if you tell an agency not to call you at work that they could not call you, does anyone know for sure?


Quote:

Originally Posted by Anonymous
Has anyone heard of a company called HZB Financial Services? They say they aren't a collection agency but I went to their website and they are. They recently tried to call me at work to obtain information about me and I told them not to call me at work. Then the guy tells me that he will call again if i don't call him back. And he will talk to human resources. I live in Maryland and I thought that if you tell an agency not to call you at work that they could not call you, does anyone know for sure?


did you have an ipdl(internet payday loan).they seem to be a bottomfeeder collector for ipdl's.i would talk to him once just to see what he is calling about.btw if it was an ipdl.then he has no legal leg to stand on as pdl's are prohibited in MD.question,what number shows up on your caller id?i maybe can get an address to send a DV letter to this person.btw yes a legit collector will abide by a verbal request to not call work,but a bottomfeeder needs it in writing.


lrhall41

Submitted by paulmergel on Tue, 04/20/2010 - 05:11

( Posts: 15514 | Credits: )


it was an internet payday loan and I didn't know that they are illegal in MD. So what is a DV letter and what do I need to say in it? I spoke to him and he said that he wasn't calling to collect a debt he was calling to let me know that he works for the final asset dept and was asked to set up a petition for warrant for court and to contact me job to get my personal info so they can get there money. Can you direct me to the website that explains that internet loans are illegal in the state of MD?


lrhall41

Submitted by anonymous on Wed, 04/21/2010 - 04:30

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
it was an internet payday loan and I didn't know that they are illegal in MD. So what is a DV letter and what do I need to say in it? I spoke to him and he said that he wasn't calling to collect a debt he was calling to let me know that he works for the final asset dept and was asked to set up a petition for warrant for court and to contact me job to get my personal info so they can get there money. Can you direct me to the website that explains that internet loans are illegal in the state of MD?


DV=debt validation letter.you see being as this was an illegal loan you only owe the principle borrowed,nothing more.btw they never say they are collecting.they try to scare you with illegal threats.try to recall who was the lender and how much was borrowed,and how much was debited.you can got to your DFI(dept of financial institutions)website.contact them and let them know about this.use the number that comes up on caller id to file an AG complaint against HBZ.they are breaking the law in threatening you.which is what they are doing pure and simple.


lrhall41

Submitted by paulmergel on Wed, 04/21/2010 - 05:09

( Posts: 15514 | Credits: )


I just received a message from them that there is a fraud complaint being filed against me and she wanted a statement from me. Her name was Helen Waters and the number she left was 678-369-0106. I went on their website and sent them an email telling them that before I answer any questions, I want validation of what she is calling me about. I never received anything in the US Postal from them. Are they bottom feeders and who do they represent?


lrhall41

Submitted by Bayley5 on Thu, 04/22/2010 - 10:44

( Posts: 240 | Credits: )


Quote:

Originally Posted by Bayley5
I just received a message from them that there is a fraud complaint being filed against me and she wanted a statement from me. Her name was Helen Waters and the number she left was 678-369-0106. I went on their website and sent them an email telling them that before I answer any questions, I want validation of what she is calling me about. I never received anything in the US Postal from them. Are they bottom feeders and who do they represent?


yes they are bottomfeeders,and they buy pdl debt for pennies,and break the law from the word go to try and extort money out of people.the fraud threat is as old as dirt.


lrhall41

Submitted by paulmergel on Thu, 04/22/2010 - 10:53

( Posts: 15514 | Credits: )


Quote:

Originally Posted by Anonymous
I have sent these people a Debt Validation Letter. Once they receive it what should I expect from them? What will be my recourse if they do not provide me with a validation. What can I do if they put this on my credit reports?


well if you send the letter certified mail return receipt,then they can't do a thing.including reporting on credit reports until they validate.unless you live in texas there is no deadline for a CA to respond.if they can't validate then you might not here from them again.


lrhall41

Submitted by paulmergel on Mon, 04/26/2010 - 15:02

( Posts: 15514 | Credits: )


Quote:

Originally Posted by Anonymous
it was an internet payday loan and I didn't know that they are illegal in MD. So what is a DV letter and what do I need to say in it? I spoke to him and he said that he wasn't calling to collect a debt he was calling to let me know that he works for the final asset dept and was asked to set up a petition for warrant for court and to contact me job to get my personal info so they can get there money. Can you direct me to the website that explains that internet loans are illegal in the state of MD?

The Office of the Commissioner of Financial Regulation in MD regulates pdls in the state. A Maryland resident may file a complaint or inquiry simply by writing a letter or completing the online complaint investigation form found on their website. Send your letter to:
Commissioner of Financial Regulation
Attention: Consumer Services Unit
500 North Calvert Street, Suite 402
Baltimore, Maryland 21202
You can also fax to:
Attention: Consumer Services Unit
Fax number: 410-333-3866
Attach copies of any supporting documents to assist in the complaint investigation. Typically, complaints are resolved within 60 days.
To ensure your concerns are fully addressed:
Briefly describe your complaint.
State only the facts and attach copies of any supporting documents to assist in the complaint investigation.
Include your account number, your own name and address and your daytime phone number.
Include the name of the licensee, business or person whom the complaint is against.
Indicate an acceptable resolution of your complaint.
For additional info: http://www.dllr.state.md.us/finance/


lrhall41

Submitted by anonymous on Tue, 05/04/2010 - 14:22

( Posts: 202330 | Credits: )


I have been receiving threatening calls from this company and they are claiming that i am being charged with intent to defraud. I asked him for his name and company name so my lawyer could contact him and he yelled and screamed about me being a liar and cursing me for my ss #. Now I may be young but I'm not stupid. I live in Florida, is he doing anything wrong by threatening me at home, calling my job and telling them I am being investigated for financial fraud and leaving non family members the same messages? This is beyond harassment, I could lose my job and I have a family to feed.


lrhall41

Submitted by anonymous on Mon, 05/10/2010 - 05:41

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
I have been receiving threatening calls from this company and they are claiming that i am being charged with intent to defraud. I asked him for his name and company name so my lawyer could contact him and he yelled and screamed about me being a liar and cursing me for my ss #. Now I may be young but I'm not stupid. I live in Florida, is he doing anything wrong by threatening me at home, calling my job and telling them I am being investigated for financial fraud and leaving non family members the same messages? This is beyond harassment, I could lose my job and I have a family to feed.


yes he is breaking the law hand over fist with his threats.file police reports,and have everyone they called file reports as well.then file AG,and FTC complaints against these collector slime.this place can't put you in jail.debts are civil matters not criminal ones.bottomfeeders use the fraud/arrest threat often as that is their favorite tactic.file the report,and complaints.then hang up on them when they call as that is what they deserve.


lrhall41

Submitted by paulmergel on Mon, 05/10/2010 - 06:07

( Posts: 15514 | Credits: )


Quote:

Originally Posted by Anonymous
Has anyone heard of a company called HZB Financial Services? They say they aren't a collection agency but I went to their website and they are. They recently tried to call me at work to obtain information about me and I told them not to call me at work. Then the guy tells me that he will call again if i don't call him back. And he will talk to human resources. I live in Maryland and I thought that if you tell an agency not to call you at work that they could not call you, does anyone know for sure?


Debt collectors face unique challenges that can tempt some in the business to engage in illegal behavior. If you believe that a debt collector is hounding or threatening you, it may be time to review your legal rights.

The Fair Debt Collection Practices Act requires that debt collectors treat those who have failed to repay their creditors in a fair manner. It prohibits abusive debt collection practices. For a complete listing of your rights as a debtor, visit the Federal Trade Commission Web site at www.ftc.gov.

The following debt collection practices are among those that are prohibited.

Debt collectors may NOT:

???Harass, oppress or abuse you or any third parties they contact.
???Use threats of harm.
???Publish a list of consumers who refuse to pay their debts.
???Use obscene language.
???Repeatedly use the telephone to annoy someone.
???Take or threaten to take your property unless this can be done legally.
They are also restricted in the statements they can make to debtors. Debt collectors may NOT tell you that:

???You will be arrested if you do not pay your debt.
???They will seize, garnish, attach or sell your property or wages, unless the collection agency or creditor intends to do so and it is legal to do so.
???They will take actions, such as a lawsuit, against you, when such action legally may not be taken, or when they do not intend to do so.
Finally, debt collectors may NOT:

???Give false credit information about you to anyone.
???Send you anything that looks like an official document from a court or government agency when it is not.
???Use a false name.
A debt collector is permitted to contact you in person, by mail, phone, telegram or fax. However, he or she may not contact you at inconvenient times or places (such as before 8 a.m. or after 9 p.m., unless you agree). And, they may not contact your place of work if the collector knows that your employer disapproves of such contacts.

Report any problems you have with a debt collector to your state Attorney General???s office. You may also want to file a complaint with your Better Business Bureau.


lrhall41

Submitted by anonymous on Mon, 05/10/2010 - 17:51

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
Has anyone heard of a company called HZB Financial Services? They say they aren't a collection agency but I went to their website and they are. They recently tried to call me at work to obtain information about me and I told them not to call me at work. Then the guy tells me that he will call again if i don't call him back. And he will talk to human resources. I live in Maryland and I thought that if you tell an agency not to call you at work that they could not call you, does anyone know for sure?



Collection company's are not to call you @ your employment. This is considered harrassment and you can file a suit againt the company. If they want to garish your wages they have to put a judgement through the court system to do so.


lrhall41

Submitted by anonymous on Wed, 05/19/2010 - 19:58

( Posts: 202330 | Credits: )


said they were fron HZB tring to collect an old debt from Fast Cash back in October of 2009. Checked my bank statements , the loan was paid in full. Said his name was MR. Edmonds phone number is : 678-369-0105. Called him back went to voice mail told that loan was paid in full and if they did call me at work again, the district attorney would be contacting them. Did i do anything wrong by doing this ?


lrhall41

Submitted by anonymous on Fri, 06/25/2010 - 15:55

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
This company contacted me and said they were filing suit against me. I am in texas are they liscened to collect in texas?


no they are not.on top if it they must post a bond to collect.they have neither.file a police report for the threat.then file AG,and FTC complaints.this is a scamming bottomfeeder.


lrhall41

Submitted by paulmergel on Wed, 06/30/2010 - 06:23

( Posts: 15514 | Credits: )


I got a call on febuary 24th for a rep. who works for HZB. She said that they wanted to setal a dept I owed before It went to court and I had 24hours to call back. I called today and she said she has been out of the office that is why the court papers haven't been filed. I told her that online loans were illegal in massachusetts and even told her the ma general law. she said the ma. law wouldn't protect me from the debt I owed. will this company really take me to court?


lrhall41

Submitted by anonymous on Mon, 03/07/2011 - 06:52

( Posts: 202330 | Credits: )


I have been contacted by HZB Financial Services by a women named Ms. Douglas. She said I have untill Monday to pay or my account will be forwarded to the District Attorney. I did receive a letter in the mail from them prior to there call. The letter states I should call to set up payment arrangemenst. However, when I attempted to do that they said no. They said I need to pay the balance in full. Should I send them what I can?


lrhall41

Submitted by anonymous on Fri, 03/18/2011 - 16:05

( Posts: 202330 | Credits: )


NO!!!! You should send them a debt validation letter! Never, ever pay some company that claims you owe. Plus they are acting shady....does your letter have the mini miranda? It should state you have 30 days to dispute the debt....the fact they told you that you only had till monday is a huge red flag! By law you have 30 days to dispute the debt...also it will NOT be forwarded to the district attorney! That is a bunch of BS....


lrhall41

Submitted by goldenbast on Fri, 03/18/2011 - 16:09

( Posts: 2884 | Credits: )


I keep receiving calls from Mrs. Waters. Last Friday 5/6/11 she said she was leaving a final message, after that she was referring the matter to her attorney. Hooray, a final message, no more calls! Then she called my office after hours yesterday 5/12/11 and left another voice message to call her.. so the calls will never end.


lrhall41

Submitted by anonymous on Fri, 05/13/2011 - 05:05

( Posts: 202330 | Credits: )