Law Offices of Tamara Parkin
Date: Wed, 07/06/2011 - 20:39
I have a couple questions regarding a law firm that has been calling me.
On June 17, I received a voicemail from a Debbie Walker claiming to represent the Law Offices of Tamara Parkin. I called her back that day. She stated I had to pay her like $700+ dollars for a payday loan I took out in 2009 from CNG. When I asked her what CNG was, she stated Cash n Go. I informed her I wasn't sure this was a valid debt and requested she send me a validation of debt. Her and I argued for a little bit, she told me I was trying to run from my problems. After several tries of explaining the FDCPA to her, she told me Tamara Parkin's secretary felt they had enough evidence against me to get a judgment. I informed her that was fine, but if she didn't validate the debt she couldn't win a case against me. She finally agreed to send me a debt validation letter.
I received a letter on June 24 that named Cash n Go as the original creditor, another creditor with an acronym for it's name that started with an S as it's current creditor and Equity Solutions and Processing as the processing company while the letter was directly from The Law Office of Tamara Parkin.
While the companies were confusing, I've never had any business with Cash n Go and it seemed like a letter anyone could print up in their basement, I requested a validation of debt in accordance with the FDCPA in writing. I faxed it to them and sent it through the mail.
I had to call the office in order to get their fax number and spoke with a Mr. Tremblay. He said the letter I received is the only information they would have on my account. The letter consisted of the three companies, an account number, the $505 they claim I owe in the letter and how to make payment. It had no agreement between them and any business, no contract between their client and I or anything of that sort.
So, my first question is if they decided to try to sue me in court for what I "owe," what occurs if they have evidence I owe the money, but never validated it to me? Can they win? Can I sue them for this? I know there's some instances when you can sue the creditor for violations of the FDCPA.
My other question is, the law office of Tamara Parkin is in Ohio. I checked with the Ohio bar and she is a lawyer in Ohio. The problem is I live in Missouri and she is not a member of the Missouri bar. Is she able to work as a law firm, threatening lawsuits in a state she is not licensed to be a lawyer in?
Hi! Welcome to the forums! This is not a proper debt valida
Hi!
Welcome to the forums!
This is not a proper debt validation letter. I don't think they will file a case against you. If they really file a case against you, then they are less likely to win the case. They need to prove that you owe the debt. I don't think they will be able to do that.
Parkin Law Offices
The tactics used are the same as a criminal syndicate that extorts money from people by claiming they owe money for a payday loan. They do not collect real debts. Everything they have is fictional.
It's really, really surprising they sent you any paperwork at all. I hope you saved it. It needs to be copied and sent to your State Attorney General and the FBI.
FBI National Press Office (202) 324-3691
Extortion Scam Related to Delinquent Payday Loans
Washington, D.C. December 07, 2010
The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.
According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.
The fraudsters relentlessly call the victim???s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims??? relatives, friends, and employers.
Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.
If you receive these calls, do not follow the caller???s instructions. Rather, you should:
Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:
Never give your Social Security number???or personal information of any kind???over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements
Also, check out the 800 Notes Forum: http://800notes.com/Phone.aspx/1-888-907-6719
and Fake Payday Loan Scams .
Probable Loan Scam Alert!
There are several posts about this group, which by the way, is not affiliated with the REAL Tamara Parkin, an attorney in Ohio. They change names fairly often to throw people off.
The callers are payday loan scammers. They have no real debts to collect. They are criminals.
I hope you saved the paperwork they sent you. You need to send copies to your State Attorney General's office and to the FBI, envelope included.
FBI National Press Office (202) 324-3691
http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
Extortion Scam Related to Delinquent Payday Loans
Washington, D.C. December 07, 2010
The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.
According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.
The fraudsters relentlessly call the victim???s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims??? relatives, friends, and employers.
Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.
If you receive these calls, do not follow the caller???s instructions. Rather, you should:
Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:
Never give your Social Security number???or personal information of any kind???over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements
Also see http://800notes.com/forum/ta-1b47a30428c1e14/fake-payday-loan-collection-scams-please-list-new-numbers-here
and http://800notes.com/Phone.aspx/1-888-907-6719