Question regarding PDLs and the phrase "check fraud"
Date: Sun, 01/23/2011 - 14:40
Anyway, so DTA is going after me for an alleged pdl I owe money on, they want $500 more than I allegedly took out. I've sent them debt validation letters, requested they stop calling, etc.. They're calling me again and they have not validated the debt.
In a recent e-mail I received from them, they stated that I'm committing "check fraud" and that the FDCPA is not applicable to my situation.
Any thoughts? Are they wrong?
Was the loan a legal loan? Is it still within SOL? They are t
Was the loan a legal loan? Is it still within SOL?
They are throwing around terms that are in violation of the FDCPA.
I don't know, because I have no recollection of taking out the l
I don't know, because I have no recollection of taking out the loan. I've been asking for a proof of debt for over a month and instead they are sending me harassing e-mails threatening arrest and calling me after I sent a letter requesting validation of debt, proof of licensing to collect in the state of PA, and that they cease and desist contacting me and my family on the phone and that they should only send correspondence to me in writing going forward.
They are claiming that I took out an online payday loan in 2006 in the state of PA. (I'm not sure if that would be considered 4 or 6 years based on the SOL chart on this site).
Note: at the top of the e-mail was a picture of someone in an orange jumpsuit wearing handcuffs....if that doesn't threaten arrest, I don't know what does
This is what they wrote in the e-mail:
DTA INVESTIGATIONS
January 23, 2011
PLEASE READ CAREFULLY, IMPORTANT INFORMATION BELOW.
DON'T LET THIS HAPPEN TO YOU!
DTA has been hired to determine your liability in a check fraud case in reference to a returned check you wrote. We are assuming your innocence regarding this matter, however we must speak with you to make a final determination. We have been authorized by your bank and original creditor to pursue all permissible means to resolve this matter. Please click on link to see your state laws pertaining to bad checks. http://www.ckfraud.org/penalties.html. Contact our office immediately at 404-935-9490 between 9am-6pm Monday-Friday and ask for the check fraud department to give your statement. We are scheduled to process 3600 claims, don't let your case be one of them. If we do not hear from you we can only assume your guilt and we will proceed forth wit. Govern yourself accordingly.
CHECK FRAUD INVESTIGATIONS
****If you live in Utah, South Dakota, North Dakota, and Georgia, please contact you District Attorney's office. You case has already been processed through us.****
This is an attempt to collect a bad check debt. Any information obtained will be used for that purpose. This communication is from a debt collector. Bad Checks are not subject to the provisions of the FDCPA.
Dorsey Thornton and Associates
DTA INVESTIGATIONS
