payday loans

Date: Sun, 10/31/2010 - 07:47

Submitted by kejoshami3
on Sun, 10/31/2010 - 07:47

Posts: 3 Credits: [Donate]

Total Replies: 5

I live in the state of New Jersey and about 3 months ago I started receiving threating phonecalls on my cell phone and at my job from an inspector stating that I owe these payday loans and that they are taking legal action action against me if I do not pay them. I have asked them to stop calling my job and they will not stop. They call 5 and 6 times in a matter of 2 minutes and they are threatening with having me arrested and pressing fraud charges against me. If I do owe these loans I don't mind setting up a payment plan to take care of them but they are very vague with information and they refuse to provide with any paperwork in regards to any of the accusations. They make me nervous and are going to end up getting me in trouble or even fired from work if they keep calling me. I don't know what to do.

They're vague because they're liars and scammers! In the state o

They're vague because they're liars and scammers! In the state of N.J. payday loans are prohibited, so without even asking you I know that the only way you could have obtained a payday loan you either had to leave your state or obtained them via the Internet, therefore, if these loans were obtained via the Internet they are illegal and can not be collected, period. If you obtained a loan by going to a different state (store front loan) then you are obligated to pay it back. Either way, you should pay back at least what you borrowed, but that doesn't dismiss the fact that whoever called you broke the law by telling you they would have you arrested, because that is in fact a bold faced lie, you can NOT be arrested for owing a debt.
In all likelihood, this is a scammer calling you trying to scare you into giving out your personal account information, my advice to you is DO NOT admit to owing a debt to a voice on the phone, whether you owe it is irrelevant, you just never know who it may be on the other end of the phone.

So, I would not discuss this with them on the phone, I would hang up immediately and file complaints against them with your Attorney General's office, the FTC and the BBB. Obtain as much information about them as you possibly can so that your complaints will be detailed.

lrhall41

Submitted by Shazzers on Sun, 10/31/2010 - 08:42

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they continue calling my job and I have asked them several times

they continue calling my job and I have asked them several times to stop and he just continues. they are rude and unproffessional. Thank you so much for all of your help, I feel more at ease now.

lrhall41

Submitted by kejoshami3 on Sun, 10/31/2010 - 08:52

( Posts: 3 | Credits: )

Quote:Originally Posted by kejoshami3they continue calling my jo

Quote:

Originally Posted by kejoshami3

they continue calling my job and I have asked them several times to stop and he just continues. they are rude and unproffessional. Thank you so much for all of your help, I feel more at ease now.

I know it's frustrating and scary, but you can't really stop them by telling them to stop, they won't listen because they don't care about laws. However, the less you talk to them then hopefully they will be less likely to continue to call, if you give them someone to argue with it becomes a game to them. File complaints, and let them know you file complaints, I'm not sure if that will affect them but it's worth a try, anyway, after you tell them you filed complaints tell them you have nothing more to say and hang up, then the next time they call hang up without a word.

lrhall41

Submitted by Shazzers on Sun, 10/31/2010 - 08:56

( Posts: 17344 | Credits: )

Thank you once again. I feel alot better now. These payday loans

Thank you once again. I feel alot better now. These payday loans seem like such a good idea at the time but all this stress and unecessary stress is just not worth it.

lrhall41

Submitted by kejoshami3 on Sun, 10/31/2010 - 08:58

( Posts: 3 | Credits: )

Quote:Originally Posted by kejoshami3Thank you once again. I fee

Quote:

Originally Posted by kejoshami3

Thank you once again. I feel alot better now. These payday loans seem like such a good idea at the time but all this stress and unecessary stress is just not worth it.

I hear ya, been there done that!

lrhall41

Submitted by Shazzers on Sun, 10/31/2010 - 09:06

( Posts: 17344 | Credits: )