Anyone have dealings with Diversified Investigative Services
Date: Wed, 02/02/2011 - 15:03
Your delinquent account has been forwarded to our office for finalization concerning your Bahamas Marketing Group account.
We have been instructed to bring further action against you, as may be necessary.
Case#: XXXX
Outstanding Balance w/Interest: $510.00 as of 1/17/2011
At this time you have been listed as the sole defendant in this case, to avoid further action and court proceedings make payment of the requested outstanding balance by 2/7/2011 via postdated check by phone,
Or pay via our web site dismediation.com .
After your payment posts, we will report to all 3 credit reporting agencies that you have settled in full with a zero balance and the district attorney will be issued a dissolve number to release all pending allegations.
DIVERSIFIED INVESTIGATIVE SERVICES
Toll free - 877-275-9162
Local - 678- 913-8416
I responded with:
Please provide whom this is for? What company claims that I have not paid them?
Their response:
Ms. XXXX-
Please see the attached letter. Your file was forwarded to our office to process for a pending charge concerning criminal issuance of bad checks which carries civil and criminal penalties in your state of residence, reference ckfraud.org for the penalties in your state. This case stems from an online payday loan you obtained through a pay day loan subsidiary called the Bahamas Marketing Group. This loan was charged off on 4/21/10 and was traced back through the IP address of the computer used, email address linked to you, and personal information provided including your social security number.
The checking account used to obtain the loan was through XXXXXXX with the checking account number ending in XXXX and routing number ending in XXXX. We have all the information needed to move forward with the case, however according to your state regulations, we have to notify you of the pending charges and provide you with an opportunity for voluntary restitution outside of any legal proceedings.
The case will proceed with the person linked to the social security provided, and we have documented records of our many attempts to reach you. if you wish to resolve this voluntarily outside of court you can pay via debit, credit, or prepaid card through our secure payment website, dismediation.com, or call into the office to speak to a claims processor directly. Legally there is a specified mediation period in which to mediate your case balance or have a settlement arrangement in place which is 2/7/11 before it has to be processed. Every day that you do not have a settlement agreement on file with payment information, interest and late fees accrue. At the time of your notification, your case balance was $510, there are now additional late fees and interest added. If you can settle your case balance today, I can apply for a reduction to the original balance of $510 or if you can make a stay of action payment of half of your case balance, I can apply for a 7 day extension to the attorneys who are handling your file. If settled outside of your processing date, you have two other options, $575.10 due on 2/4/11 and $694.15 due no later than 2/11/11.
This is a documented attempt to comply with state and federal regulations to notify you of your obligation and will be the only communication that will be issued from this office.
Thanks,
Client Relations
My response:
Thank you for all that information: but who is "Bahamas Marketing Group"? you claim ckfraud, but I don't know who this company is, do you have the online loan documents? and when they claim they deposited money into my account? I have no problem taking care of my obligations, but I need more information as to who this company is and the documents supporting the loan they claim I owe.
Their response:
Ms. XXXX-
We have issued you all the information that was forwarded to us with the purpose of providing voluntary mediation and obtaining a statement. It is the debtor's responsibility to keep all original documentation of loans they obtain for several years after the loan, in the event the information is needed. If your case is processed out of our office and forwarded to the attorneys for filing, they will then subpoena any original documentation and all information needed for court. We just need a statement from you and your decision regarding your case.
Thanks,
Client Relations
My response:
That is my question, who do I contact to get documentation of a loan that I am being requested to pay?
I had fraud activity on our accounts, and how do I know that this is truly my responsibility.
You are asking me to settle an account that I truly do not know that is mine. As stated if I owe monies I will take care of my responsibilities, but I need more information as to who the debtor is, when they claimed they deposited funds into my account, and the documentation backing up their claims I owe monies.
So my statement is: "provide documentation of fraud, loans I owe, or something to prove I owe monies". If I owe monies then I will pay it, but as I said I need proof, how do I know that you are a legal binding company?
I received the exact same email with a different number amount t
I received the exact same email with a different number amount that I "owe." I too do not know who this is.
I received the exact email today with the same dates and dollar
I received the exact email today with the same dates and dollar amount. I have no idea who this is or what it is for.
It's connected to an illegal online payday lender, non existent
It's connected to an illegal online payday lender, non existent company.
I got the exact same email and response when i asked for documen
I got the exact same email and response when i asked for documentation of their fact. I indicated to them that when i always try to call the number they provide i get a automated message that says everyone is busy and please leave your case number and brief message. He indicates that he apologizes for the non response due to 300 case load he had to process that week. I was wondering what should i do now? Should i continue to try to find out more information or should i for sure just ignore the emails?
It depends on your situation, do you have loans from illegal len
It depends on your situation, do you have loans from illegal lenders, did you verify they are not licensed in your state, have you sent them letters revoking their right to debt your account and a revocation to wage assignments? What state are you in?
I reside in the state of California. The checking account the m
I reside in the state of California. The checking account the mentioned that the deposit was made into is a checking account I had with a different bank years ago and since has been closed. All payday loans I have ever done have been paid off in full. I have no memory of every taking out a loan with this company. I am copying and pasting the email I received below. Please let me know
[COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana][COLOR=#000000][FONT=Verdana]xxxxxxx
Please see the attached letter. I apologize for the delay in getting back to you, our office was forwarded over 300 cases to process in the last week. If you need to speak to someone, you can call my paralegal, xxxxxxxxx. Your file was forwarded to our office to process for a pending charge concerning criminal issuance of bad checks which carries civil and criminal penalties in your state of residence, reference www.ckfraud.org for the penalties in your state. This case stems from an online payday loan you obtained through a pay day loan subsidiary called the Bahamas Marketing Group. This loan was charged off on 5/7/10 and was traced back through the IP address of the computer used, email address linked to you, and personal information provided including your social security number.
The checking account used to obtain the loan was through JP Morgan Chase Bank with the checking account number ending in xxxxxx and the routing number ending in xxxxxx. We have all the information needed to move forward with the case, however according to your state regulations, we have to notify you of the pending charges and provide you with an opportunity for voluntary restitution outside of any legal proceedings.
The case will proceed with the person linked to the social security provided, and we have documented records of our many attempts to reach you. if you wish to resolve this voluntarily outside of court you can pay via debit, credit, or prepaid card through our secure payment website, www.dismediation.com, or call into the office to speak to a claims processor directly. Legally there is a specified mediation period in which to mediate your case balance or have a settlement arrangement in place which is 2/7/11 before it has to be processed. Every day that you do not have a settlement agreement on file with payment information, interest and late fees accrue. At the time of your notification, your case balance was $510, there are now additional late fees and interest added. If you can settle your case balance today, I can apply for a reduction to the original balance of $510 or if you can make a stay of action payment of half of your case balance, I can apply for a 7 day extension to the attorneys who are handling your file. [COLOR=#000000][FONT=Verdana][/FONT][/COLOR]
This is a documented attempt to comply with state and federal regulations to notify you of your obligation and will be the only communication that will be issued from this office.
Thanks,
Victor Burns
Client Relations
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-------- Original Message --------
Subject: Re: Your delinquent account has been forwarded to our office
for finalization
From: xxxxxx
Date: Thu, February 03, 2011 12:45 pm
To: Client Services <[EMAIL="services@dismediation.com"]services@dismediation.com[/EMAIL]>
I am sorry but I am unaware of owing $510 to any Bahamas Marketing Group. What is the specific nature of this claim? I have never heard of this company before nor recollect of having done any business with them. I have tried calling the number but no one seems to be available to pick up the phone. Please give me a call on my cell at (213) 446-9816 to discuss this issue and so that I may get some more specific details on what this is all about. Thank you.
On Feb 3, 2011, at 6:01 AM, "Client Services" <[EMAIL="services@dismediation.com"]services@dismediation.com[/EMAIL]> wrote:
DISCLAIMER: This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited.
Greetings xxxxxxxx,
Your delinquent account has been forwarded to our office for finalization concerning your Bahamas Marketing Group account.
We have been instructed to bring further action against you, as may be necessary.
Case#: 634608
Outstanding Balance w/Interest: $510.00 as of 1/17/2011
At this time you have been listed as the sole defendant in this case, to avoid further action and court proceedings make payment of the requested outstanding balance by 2/7/2011 via postdated check by phone,
Or pay via our web site www.dismediation.com .
After your payment posts, we will report to all 3 credit reporting agencies that you have settled in full with a zero balance and the district attorney will be issued a dissolve number to release all pending allegations.
Sincerely,
Victor Burns
Litigation and claims officer
DIVERSIFIED INVESTIGATIVE SERVICES
Toll free - 877-275-9162
Local - 678- 913-8416
Sorry i forgot to leave out things in the copy paste email post
Sorry i forgot to leave out things in the copy paste email post i just did a minute ago. Can you please not post my personal info on there or just edit it so my information doesn't come out. Sorry.
Bahamas Marketing Group is not licensed/legal in Ca. They are ov
Bahamas Marketing Group is not licensed/legal in Ca. They are overseas. I am willing to bet you there is no such case. You should forward that email to your state attorney general's office.
Sorry, I had to edit it a few times, it's a long letter.
Sorry, I had to edit it a few times, it's a long letter.
How to deal with a collection firm: A You are protected b
How to deal with a collection firm:
A You are protected by the FDCPA (Fair Debt Collection Practices Act), these laws are designed to protect you from scams, therefore you should exercise your rights.
B Tell the alleged debt collector they have 5 days to send you a dunning letter (also known as a letter of collection) through the mail, tell them you are counting the days and keeping a record of all communication to make sure they are complying with the federal law (FDCPA).
C If and when you receive a letter of collection (also known as a dunning letter) , you will send them a debt validation letter, certified, return receipt requested, it is extremely important that you send the debt validation request certified. You can obtain sample debt validation letters in the DIY section of this forum.
D It is VERY important that you respond and dispute a letter of collection within the 30 days of receipt, don't take any chances, send the debt validation letter immediately, make sure you date it and keep a copy. Again, keep a record of all communication a collection agency attempts to make with you.
E Educate yourself on the FDCPA.
Thank you so much for your assistance it is greatly appreciated.
Thank you so much for your assistance it is greatly appreciated. I will take the steps you recommended and keep you posted. Thanks again!
So i got in contact with a Jackie Brown yesterday afternoon, i d
So i got in contact with a Jackie Brown yesterday afternoon, i did request a letter from thier law office for the collection. When I asked about further information about Bahamas Marketing Group Jackie did informed me it was an overseas company that owns several payday loan websites. She informed me she has documentation of me taking out a loan with them but no specific date of when the loan was done or what exact payday wbsite it was done through. When I asked how can I get this information she informed me that my lawyer in court could subonea the information or something along those lines. I have until this Friday Feb. 11th to either settle out of court or I will have to fight it in court. I am going to see if i can access old financial records from my old Washington Mutual account to see if I can see if what they are saying is valid, also I am going to pull up my credit report. The thing is how am I going to identify what online PDL company it is on my bank statement if I dont know the name? I am also in thr process of writing a letter explaining my situation to my state attorney general office like you suggested by certified mail. At this point in time I am a little worried, should I take this to court? Should I look for a lawyer now?
I finally spoke with someone named "Ms. Phillips." Both she and
I finally spoke with someone named "Ms. Phillips." Both she and the receptionist spoke English, unlike many other fraudulent outfits. I requested a verification of the "debt." She insisted the date of the "loan" and the company name was sufficient along with her word that I received the deposit in my bank account. I informed her I had never had a loan with the company she mentioned, Bahamas Marketing Group. She stated they were an indirect lender and I wouldn't have known they were the funder. In addition, she told me I could research it by the loan number. When I told her I did not have any record of that company, she accused me of purposely attempting to defraud a company and that I had no intention of paying this loan back. After a heated conversation with this incredibly rude woman, I still have received no written verification of the debt, as it required by law upon my request. I sent an e-mail today requested verification again. If anyone has any information, please let me know!! I am incredibly bothered by this. By the way, Diversified Investigative Services, LLC, is not listed under the Georgia Secretary of State. If they inform me they have made proper filings with the state of Georgia, I am filing a complaint mainly because of the clueless, rude woman. Finally, they requested payment in full in three days from the e-mail. Who sends collections by e-mail only and expects full payment in three days?? Any insight, please.