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Not sure what to do...

Date: Fri, 01/20/2006 - 07:38

Submitted by anonymous
on Fri, 01/20/2006 - 07:38

Posts: 202330 Credits: [Donate]

Total Replies: 7


2 weeks ago, I received a call from someone named Sam Cobbs at Jacobi & Mayors in Wyoming saying he was calling because I was in "a lot of trouble". I called back and to make a long story short, he's working on behalf of Platinum B Services to collect on a payday loan which I thought was paid off from 2 yrs ago. He says if I don't send a Moneygram, they'll have me arrested. Anyway, I sent him the $$ (stupid me). Last night, I get a call from someone who says my atty needs to call 1-866-201-4603 by 12PM today. I call this morning and kept getting transferred around but did find out the name of the company is Interstate Wire Compliance Bureau. After doing research on this site, I call Platinum B directly and speak with Dominic who informs me that Interstate is collecting for them but that Jacobi & Mayors isn't and that I have to deal with the collections agency. I call Interstate back and speak with someone named Liz Wade on behalf of Walter Carmichael (who incidently was in a conference call and unavailable). I explain to her the situation with Jacobi & Mayors and let her know that I need more info. After being put on hold a few times, she tells me she'll have Walter call me back this afternoon. Now I'm confused because from what I've read here, Interstate and Jacobi seem to be linked even though Liz said she's never heard of Jacobi. Should I pay them more $$? Should I just ask for verification? Can Platinum B really refuse to deal with me directly if that is what I'm requesting? I don't know what to do. Please help me!


Reese,

Ask for debt validation as Bowen has suggested. You should send DV letter using certified mail. They must respond to you within 30 days. If they send the validation ultimately, go through it carefully. You can dispute any item that you feel incorrect.

Since you are pretty sure that you have paid the debt off 2 years ago, you need not worry much. Hope you have the documents of your previous payments. Do keep us updated in this matter.


lrhall41

Submitted by 4u.bryan on Fri, 01/20/2006 - 09:28

( Posts: 819 | Credits: )


Thank you Bowen and Bryan. Does that mean that no one is going to show up at my house and arrest me? The thing that bothers me is Dominic at Platinum B said they do not even deal with Jacobi & Mayors so what happened to the money I sent them? Where should I file a complaint against them for basically stealing my money if they in fact do not deal with the company they claim to be representing?

Thank you again so much. I'm breathing a bit more now!


lrhall41

Submitted by on Fri, 01/20/2006 - 09:45

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No, no one is going to show up and arrest you. They cannot do that, and there is no prison for debtors. The most they can do is sue you for the amount you owe, and in that case you'll recieve notification of the court date etc. Even if you don't show up to court they can't arrest you. If you don't show up, the judgement is automatically against you though, so it's in your best interest to do so, if they file. Chances are they won't file though because the debt is too small to make it worthwhile. As a matter of fact, they are not permitted to threaten you with arrest. You could file a lawsuit against them for doing so.


lrhall41

Submitted by Bowen29 on Fri, 01/20/2006 - 09:48

( Posts: 42 | Credits: )


Okay, well thanks to the information I found on this site, I have now filed complaints against Jacobi & Mayors with the FTC and BBB. I also filed a complaint with FTC against Interstate Wire Compliance Bureau for threatening me with legal action but not giving me any information about what they really wanted. I waiting to hear back from Platinum B Services and, if they show me proof that the loan was indeed not paid off, I hope I can deal directly with them. Interestingly enough, the address for Jacobi & Mayors and Interstate Wire Compliance Bureau is exactly the same. I have a feeling I won't be hearing from IWCB. Thank you again to everyone for your help. I'll keep you posted on what happens.


lrhall41

Submitted by on Fri, 01/20/2006 - 11:18

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