Loan company breaking the law?
Date: Tue, 11/30/2010 - 10:23
"Mrs. ______, my name is John Higgins. I recommend you call me back immediately at 877-449-0957 ext. 767 or contact your attourney because we will be filing a docket against you."
Now I know this is one of my loans. But which one? I have 4. No company name was left. This is the 4th time no company name is left but someone is harrassing trying to collect a debt. Is it legal for a loan company to do this. BTW, I used this man's real name and phone # in case anyone out there recognizes it from harrassments they have and I can pin it on a company. I am afraid to call this number back due to the information left. I know threats are common and then they don't do anything. Also I am thinking it is illegal for debt collectors to leave this information on a 3rd party machine that I have no access to. I don't live there, it's not my number, and they are frightening my dad. He has a bad heart.
Sounds doubtful based on what you have posted. If in fact you ha
Sounds doubtful based on what you have posted. If in fact you have received court papers, then you should not ignore them. Failing to respond within the allotted time will result in a default judgment.
Always answer the summons within the time required. When you are served with a law suit, the papers will tell you what the time period is in order to respond. Without this response, the party that brought the suit can apply for a default judgment against you and will also pile on attorney fees and costs.
Contact each of your PDL's via email, fax or mail to make paymen
Contact each of your PDL's via email, fax or mail to make payment arrangements and pay only the principle amount of the loan borrowed (if an illegal lender). If a legal lender you are required to pay the debt in full according to your contract. You can always purchase a money card at Wal Mart and make your payments that way. These types of collection companies their employee's will use a different name each time they call, and different phone number as they route them so you never know which number they are actually calling from. You need to contact your PDL's directly. You don't want to pay anyone without a verification letter of the debt. I've had these types of companies call my home and work to threaten me physically.
First of all, please list the following information so we can he
First of all, please list the following information so we can help you.
-Names of each pdl company.
-Whether they are store front or Internet.
-How much you borrowed.
-How much you paid so far.
-The state in which you reside.
-First, I have not been served with ANY papers. I have not been
-First, I have not been served with ANY papers. I have not been contacted by any lawyers, etc. I have not been served, NO DOCUMENTS OF ME BEING SERVED have come to my home or work. Also no date was left "call by this day," no. Just call me back. Although you don't know who I am so it could be a scam.
-Second, they have refused my payments. I have been trying to pay.
-Third, they refuse to send me ANY documentation via mail although they stated they have and we have been watching the mail very closely.
-Lastly, my question was if it is illegal not to state what company you are calling from and to leave private information on a 3rd party phone number. Let's say they call my work and my co-worker picks up and they say, "Did you know so and so was being sued because we won't work out a payment arrangement with her? Can you just tell her to call us back." That's basically what just happened.
As usual, this site is useless. It doesn't matter who it is, I already know I owe them money, duh. I already said that. I didn't say, "I'm trying to avoid paying." I said I'm trying to pay but in the mean time being harrassed. I intend to pay back 100% of what I owe. I'm so sick of all of you acting so big but you say the same things over and over again. You don't answer the questions people actually ask. Isn't it ILLEGAL to tell a person NOT INVOLVED at a NUMBER YOU DO NOT ANSWER OR HAVE ACCESS TO to leave such information?
I"m pretty sure you're all debt collections agencies and this site is just here to make people think they are getting answers, but they are not.
Please be my husband just got scam with a company claiming to be
Please be my husband just got scam with a company claiming to be collector for a pay day loan company.My husband don't have a loan. They were very ruded and threating to send him to jail. It was a scam. If they were suing you for no payment you must be serve with paperwork. Go to Ripoff Report to learn more on the scams.If you want to make the harrassment to stop you should contact each of the pay day loan companys get a agreement with them. But it is illegal to threating report to BBB Better Business Bueru
My mother received a call from this number stating he an investi
My mother received a call from this number stating he an investigator with a federal police and that I cashed an extremely large check and that she had 6 hrs to contact me or she would be takin to court, she called me freaking out thinking i did something wrong. The only other payday place i have dealt with was checkngo, but i in no way cash an extremely large check from them, dont see how they can call and tell people they are with the police or gevernement
Really Angry, These people that are calling you, family and fri
Really Angry,
These people that are calling you, family and friends do not abide by our laws, as a matter of fact most of them calling are not in this country. These calls are a result of applying for a payday loan. Your information has been sold, and these bottom feeding scum call to scare people into paying them. Worst yet, one has started impersonating me. So far, there is no way to stop them! I have filed every complaint there is, police report, and I've sent letters to Senators in my state and theirs with no response. They spoof the information, and phone number so it's never the same. I've even had a company that has the ability to trace a call trace it and it comes back unknown name, unknown number. So until we can get our government to get involved, we pretty much have no choice, but to continue to get these calls. You can change your home and cell number but they will call your work, family and friends. I hate to hear that you feel as though this site has not helped you! Without this site I don't know what I would of done. Happy to be a member of debtconsolidationcare.com!!!
Quote:...my question was if it is illegal not to state what comp
Quote:
...my question was if it is illegal not to state what company you are calling from and to leave private information on a 3rd party phone number. Let's say they call my work and my co-worker picks up and they say, "Did you know so and so was being sued because we won't work out a payment arrangement with her? Can you just tell her to call us back." That's basically what just happened. |
Yes, it is a violation of the FDCPA for a collection company to share information with a third party. It's also a violation for them to not identify who they are and on whose behalf they are collecting.
Quote:
As usual, this site is useless. It doesn't matter who it is, I already know I owe them money, duh. I already said that. I didn't say, "I'm trying to avoid paying." I said I'm trying to pay but in the mean time being harrassed. I intend to pay back 100% of what I owe. I'm so sick of all of you acting so big but you say the same things over and over again. |
Hardly. It does matter who it is because if it's an illegal lender, then the answers aren't going to be the same. That's why Shazz asked you to list who your loans are through, how much borrowed, paid, what state you're in, etc. Without the proper information, we can't answer your questions correctly. You may have already paid back more than you owe but, unless you answer the questions, we can't determine that.
We have to say the same things over and over because people ask the same questions over and over :)
Quote:
You don't answer the questions people actually ask. Isn't it ILLEGAL to tell a person NOT INVOLVED at a NUMBER YOU DO NOT ANSWER OR HAVE ACCESS TO to leave such information? |
As I state above, yes it is illegal for a company to share your info with a third party. If it's an illegal lender you're dealing with, however, it doesn't matter. They're operating illegally already and likely not in our country. They aren't going to follow our laws and they don't give a crap about your private info.
As I said above, if you'd answer the questions we asked of you rather than going off on a tirade, we could actually give you some sound advice on how to handle your situation.
Quote:
I"m pretty sure you're all debt collections agencies and this site is just here to make people think they are getting answers, but they are not. |
Nope.
Reallyangry, some of the tactics the collection people use might
Reallyangry, some of the tactics the collection people use might be illegal but then again, if the PDL companies are located in other countries, the people who work their phone banks or the people to whom they've sold your personal information arent' likely to obey the laws of this country. Quite the contrary, many of them will tell you right out that you are subject to the laws of Malta, India, Great Britain, or wherever.
As far as this site not helping people and everybody being connected with debt collection agencies? I can tell you plain and simple that the vast majority of us are people who got involved in the PDL mess, worked out way out of it with the help of this great site and our local/state financial agencies, and are desparately trying to help others from making the same mistake or trying to help others get out of the PDL trap. Sorry you don't like this site, but to me (and to many others), it's been a Godsend.