logo

Debtconsolidationcare.com - the USA consumer forum

payday loan collections

Date: Wed, 08/25/2010 - 11:25

Submitted by anonymous
on Wed, 08/25/2010 - 11:25

Posts: 202330 Credits: [Donate]

Total Replies: 4


i have been being harassed by a payday loan collections. they can not tell me what company has given me the loan and the date it was supposed to be deposited is not, i have no deposits on that date. how can i find out if i indeed have a collection due on a loan?


Hi and welcome!

First off, you have the right to have the company do what is called validate (or prove) that the debt they are calling about is actually yours. You will have to do this in writing in most cases. The next time they call, ask for their address and get this out to them ASAP. If they refuse to give it to you, tell them you have no more to say to them and hang up. Refuse to speak with them until they tell you who the debt is with and for how much.
Good luck, and keep us posted.
Almost forgot, you can find templates for Validation letters on this site.


lrhall41

Submitted by kscornell on Wed, 08/25/2010 - 11:34

( Posts: 4407 | Credits: )


Pay attention as well to the numbers you are being called from. If you notice over the course of time you are being contacted from different numbers that is another red flag you aren't dealing with a legally licensed / operating debt collector.

If you have the option with your telephone service provider (land line, wireless, VoIP) to block anonymous callers I would go ahead and spend the few bucks it takes every month to get that started. What I would advise against doing is taking the time to block individual numbers from calling you. Caller ID can be spoofed and thus call blocking can be circumvented rather easily.


lrhall41

Submitted by on Wed, 08/25/2010 - 13:49

( Posts: | Credits: )


Can you post the numbers from which you are getting the calls and the name of the collection firm? From your post, I'm 99.99% sure that they are scam artist. Do whatever has been advised by the other posters. Moreover, if they harass you or tell you that you'll be sued, you can file a case against them with your local police authority.


lrhall41

Submitted by paulcahill80 on Wed, 08/25/2010 - 17:23

( Posts: 2359 | Credits: )