To Shazzers or PaulMergel...

I've defaulted on some of my online payday loans and now my accounts have been taken to I-Collect and to National Credit Adjustors. I called the online payday loan companies if they had any information in regards to this matter, they told me it's out of their hands and now I have to notify them. I've notified NCA and they told me that my account is now taken over by Lombardo, Davis, and Goldman. This company contacted me and they told me everything underneath the sun and now I'm running scared on how to proceed with them. Please advise on what to do? Thanks.

Have they called you? Sent you a letter of collection via the mail? How did they contact you?

By the way, most Internet payday lenders are illegal. what state are you in? What are the names of the pdl's?

Shazzers,

L, D, and G notified me via cell phone and work. They told me that I defaulted on two payday loans that I took online and now it's in their hands. I notified the company that I took the loan from and they can't provide me anymore information due to now being in collections. The guy that notified me he goes by the name of Edward Brown. They told me that if I don't pay up this defaulted loan, serious charges will be pressed against me.

The two companies are called JHS Marketing and Namakan. These two accounts has now been taken over by L, D, and G. I'm in Nevada.

Quote:

L, D, and G told me that if I don't pay up the default, serious actions will be taken upon me. The man that I spoke to goes by the name of Edward Brown. He was down right rude and didn't listen to a word I said.

First of all never admit to owing a debt to a voice on the phone. A 3rd party collector is required to send you a letter of collection via the mail within 5 days of their first initial contact with you, per federal law (FDCPA). I am going to do a little research then I will get back with you with some information that will be helpful. Meanwhile, read the link below, it gives you an idea of what a collectors responsibility is. No worries, you can fight them fairly easy because you have the FDCPA to fall back on.
http://www.expertlaw.com/library/consumer/fair_debt_collection.html#6

JHS Marketing is NOT licensed to lend in your state (I checked the licensee data base). This means the loan was illegal to begin with, therefore, this collection agency can not collect on an illegal debt, the loan contract is not enforceable in a court of law, that is the first thing I would tell them (collection agency). Here is some information on JHS Marketing:
JHS Marketing aka TJF Corp and/or Bahamas Marketin
This company is another one of those bogus Internet payday lenders that charges their customers an exorbitant amount of interest and fees, and aren't even located in the U.S. They sell off their debts to bottom feeder collection agencies, which, is the truth was known, are probably located in the same building in another room calling people making bogus threats they can't possibly follow through with.

More info to follow......

Quote:

Namakan Capital is not licensed to lend in your state either, so the same thing applies to them as I said above about JHS Marketing.

You can easily file complaints with the FTC and your state attorney general's office online! But first try to get as much information out of this collection agency as you possibly can. After you obtain this info, tell them you do not discuss financial matters over the phone, and the FDCPA requires that they send you a letter of collection via the mail within 5 days of their first initial contact with you, and if they call you again without sending the required documentation you will be contacting the FTC and reporting them for not complying with the law (which they could be fined for) and you will also contact your state attorney general also!
Here are some more links for you to read about your rights, the FDCPA, and how to proceed when being threatened by a collection agency or 1.
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
http://www.pennlawyer.com/fdcpa.htm

And make sure you take notes, dates, times, etc. of all communication between you and this collector.

Thank you everyone for the advice and input. They told me if I don't pay them immediately, they will take action against me. They want a payment now or else this could get ugly. Can I immediately make a stop payment that they are going to take from me soon?!? They even recorded my conversation stating that I'm going to pay or else something will go wrong. I'm scared now.

L, D, and G faxed some documents for me to fill out regards to information. This is getting more ugly and I'm screwed even more.

Quote:

Shazzers...

After all of this, I got scared and bought into it. I'm going to try to stop the payment from coming out of my account that they are requesting. I just got nervous and listened and now it's all fake. They sent me a letter via e-mail stating my situation. I will look into all the suggestions you mentioned and take it from there. They recorded my conversation word by word. Are they allowed to do that and they can hold that against me.

please they violated the law hand over fist.unless they are super stupid as well as super illegal treat it as another illegal act by these bottomfeeder.

I need to locate your original thread so I can refresh my memory, hang on.

I moved all of your posts from the other thread to this one, this way we can keep all of your information in one place. :) Let me review this and get back with you, hang on.

Quote:

Shazzers..

The name of the company is called Lombardo, Davis and Goldman. I will be in the process of filing a complaint to all the names mentioned above that you recommended. Since this company is not legit, I will notify the companies of the PDL's that I defaulted on and work some kind of arrangement with them. I'm tempted to call them and tell them to not take anything on my account. They recorded every conversation that I had with them stating the fact that I will pay into this debt. What have I got myself into!!! God help me!

Nevada is a two party state, so that recording is NOT inadmissible in a court of law without your permission.

Edited: I realized that I missed a word which changed the meaning of the entire post, sorry.

Shazzers..

They recorded my voice and everything stating that I agree to paying the debt and what not. So now I'm further in the hole with this. I want to call them now and tell them that I can't afford to pay what they are asking for. Some people on this forum say they are legit and some say they are. I'm now hesitant who to believe and who not to believe. I just saw from the last post on one of the other forums, someone posted that they are a legit company collection agency. If you look into it on the other forum. I'm starting to panick.

Shazzers...

All I know is that they recorded my statement saying I'm paying and what not. Now if I call them back tell them that I can't pay what they are asking, they will use this against me. I'm screwed even more. I've tried to contact the PDL companies that I applied for and now they can't give me any answers. Twice even more screwed. I'm starting to panic, the link you provided isn't working. They only sent me a letter via e-mail saying what I owe, but nothing in the mail. Nor they sent me anything stating they will take me to court. They only faxed to my place of employment for verification on my behalf. OMG! I'm scared now.

I am caught in this bind, I need to get out. Shazzers, please advice further on how to proceed.

please don't panic.i'm betting this place used alot of threats to get you to agree to pay.also betting if(and that's a BIG if)they pursue they wouldn't want the whole recording bought against them.stop that payment immediately.also as far as faxing employment verification.another tactic bottomfeeders use.i also saw the post you speak of,and anybody posting this place is legit is a shill.pure and simple.again stop that payment,and know that if the call contained any illegal threats you have nothing to worry about.it pains me to see you stressing.don't where this piece of crap is concerned.

PaulMergel...

The post that I'm speaking of, it's on the L, D, and G forum on the other threads. Someone posted after me and stating that they are legit, but dangerous because they will take money into my account. It pains me too that I'm stressed out like this. Do I call them and tell them they can't take the money from me? Someone said on that thread they are a full on collection agency who will take money due to the defaulted pdl. All I can do now is call them and tell them to stop or when money is taken out, I will call my bank to tell them that it was unauthorized.

yes,but tell them that you need to close this account and open a new one not linked to the this one.again know that whoever posted that BS is a shill.never heard of this place taking anybody to court period.also this supposed loan was not legal,so how can they do anything but call,and break the law with threats.

PaulMergel...

The money will be taken out of my card. My bank usually pays close attention to the transactions that I make and if anything is out of the ordinary, they flag it and notify me immediately. I want to make this payment stop, but how do I do this without them knowing. I just don't want them to harass me even further. They've only sent me a letter via e-mail stating I've defaulted and that I must pay immediately. No other documents was sent to me. They claim they sent something but never received anything.

well this place will call and and harass as they have done so already.next time file a police report.then file AG,AND FTC complaints against L,D.,G.then ignore their sorry a$$e$.keep us informed if the payment does go through as there is a way to stop it,but you may not want to do it unless you really need to.

Why aren't my posts or see replies?!?

PaulMergel...

I'm tempted to call them and tell them not to deduct the money. But the only concern is I don't want to get this into a bigger mess than it already is. I'm just afraid what L, D, and G can do to me if I stop the payment. Like I said PaulMergel, they've only sent me a letter via e-mail attached as a word document, but nothing via regular mail to proove they sent me something. Why is this happening?!? Ugh!

sorry was busy,but nothing important was ever done via email.again since you didn't dispute,or correct me then they got you to agree to pay with illegal tactics.stop that payment.file the AG,AND FTC complaints.then file a police report when they call.i wish you would do that and not worry.trust me on this.a bottomfeeder that can do nothing.

PaulMergel...

I just contacted L, D, G and spoke to Edward Brown he was uncooperative. I couldn't get a word edgewise. EB told me that he can cancel my arrangement and this will get further ugly. He told me I am free to speak to Mr. Lombardo or Mr. Davis if they are available and discuss my account. My account will then go to my state for further action if I cancel now. Now, I'm lost for words on how to proceed with this. I've called JHS and Namakan and they can't help me either because my account is out of their hands. Due to being taken over by the collection agency from NCA handed over to L, D, and G.

EB then had the audacity to try to record my conversation to say that I'm not paying them. I hung up immediately. He told me that I owe more than $1000+ due to all the fees and mumbo jumbo. I left messages for JHS and Namakan and they are useless at this point.

listen to that.your state won't do squat as the loan was illegal.look quit talking to these losers.they will not only sell their family to make a buck,but send them C.O.D. they can't do a thing to you.stop the payment and stop stressing over an illegal collector.above all else do as advised before and stop talking to them.they will say anything to scam people out of money.

Paul...

They just tried to call me, I ignored the call. Forgive me, what is AG?!? I will file FTC asap and call my local police department and let them know what's going on. I'm just lost for words.

ag=attorney genral.you can contact them by phone first then file complains online.also file a police report as they are breaking the law with their calls,and threats.btw the reason they keep calling as you let them get to you.stop that now.ignore them and know they are illegal as hell,and can't do a thing to you if you are strong and know that they are illegal.you now know this.

Paul...

I've filed a complaint to the BBB and FTC. I have yet to file to AG and a police report. I told them that I've notified the companies of JHS and Namakan and they told me it's too late since it's their hands now. I told them that this loan wasn't legal to begin with and L, D, and G told me that since it isn't I just can run for it and take the money.

They are just trying to scare you by saying they recorded the conversation, so what, they recorded it, it won't do them ANY good because a recorded phone conversation is NOT legal in your state unless BOTH parties agree. In other words, if this was ever to go to court, all you would need to say is I did not give my permission for this company to record our conversation, then the judge would not allow it as evidence. So you see, while they may be telling you they are recording this conversation it doesn't mean ANYthing, because it can not be used against you in your state without your permission, and who in their right mind would give permission to anyone to use a recorded phone against them that might incriminate them? Certainly not me, or anyone I know, and I am quite sure you wouldn't either.

You are allowing them to intimidate you, have you checked your state collection registry to even see if L, D and G are licensed in your state? I am willing to bet you everything I own they are not.

As I have stated, the federal law (Fair Debt Collection Practices) requires a collection agency, or an attorney who is collection to send a dunning letter (letter of collection) to the debtor via the mail, NOT EMAIL, the United States Postal Service.

Here is a little tip, when you file complaints with the FTC and your state attorney general make sure the complaint is detailed, clear and concise, include all the information you can about the company you are filing a complaint against. It's VERY important that you file a complaint with your state attorney general, that is what they are there for, to represent us!

Lombardo, Davis and Goldman are not listed at the BBB, do they even exist? I don't think so.

Contact Bud Hibbs, he is a consumer advocate.
http://www.budhibbs.com/
http://www.budhibbs.com/911.html

Is this the company at the link below who is calling you?
http://www.budhibbs.com/collectorpages/ldg_financiali.htm

Here is a lawsuit filed against The Lombardo Davis & Goldman Firm L.L.C, for violations of the FDCPA.
http://www.creditlaw.com/wp-content/uploads/dc-litigation-marketing.pdf

They are just trying to scare you by saying they recorded the conversation, so what, they recorded it, it won't do them ANY good because a recorded phone conversation is NOT legal in your state unless BOTH parties agree. In other words, if this was ever to go to court, all you would need to say is I did not give my permission for this company to record our conversation, then the judge would not allow it as evidence. So you see, while they may be telling you they are recording this conversation it doesn't mean ANYthing, because it can not be used against you in your state without your permission, and who in their right mind would give permission to anyone to use a recorded phone against them that might incriminate them? Certainly not me, or anyone I know, and I am quite sure you wouldn't either.

You are allowing them to intimidate you, have you checked your state collection registry to even see if L, D and G are licensed in your state? I am willing to bet you everything I own they are not.

As I have stated, the federal law (Fair Debt Collection Practices) requires a collection agency, or an attorney who is collection to send a dunning letter (letter of collection) to the debtor via the mail, NOT EMAIL, the United States Postal Service.






Shazzers...I called our AG and they looked up in their database and they are not licensed in our state to collect and both the PDL's are not legal to have provided me the loan in the first place. I've put a complaint into BBB and the FTC...

Shazzers...

I called our AG and they looked up in their database and they are not licensed in our state to collect and both the PDL's are not legal to have provided me the loan in the first place. I've put a complaint into BBB and the FTC and AG will soon to follow.

Edward Brown tried to record my conversation and I didn't allow him due to the fact that I hung up on him. They tried to call me back.



I was told by the AG to file a complaint and send everything over to back up this complaint towards the company and as well the loan that was not legal to give me in the first place.

Shazzers...

I've contacted that you linked and I'm waiting for upon reply. I've notified the FTC and gave detail as best as I could. I'm in the process of working on AG and they are requiring me to give them all full paperwork in regards to this matter. They are about to deduct money from me and I will have the bank reverse these charges.

Shazzers or PaulMergel...

I've done what you all advised and now I'm just waiting on answers. I'm in the process of filing with the AG here in NV. In no time the money will disappear off my account and I will have the bank reverse the charges and let them know it was unauthorized. I don't know how much more I can handle this, I'm just nervous because I've never had let this happen to me before by going this far on such a PDL that I've applied for. I've also contacted that link to BudHibbs by leaving a message and e-mail. Hoping they will call back. I just want to put myself at ease and figure out another solution to pay these company back without getting it ugly. I will keep you all posted and see how this turns out.

Shazzers or PaulMergel...

I notified our AG here and informed since L, D, and G is based out of NY, I would have file a complaint to the AG in NY. Is this correct?!? I've also filed a complained to the BBB which directed me to the NY BBB. Gosh, this is getting uglier than it is.