United Holdings Sent my Account to ACS

Do NOT pay a 3rd party for defaulted payday loans.

You send them a DV. They cannot validate an illegal loan. Period.

They get nothing.

If they refuse to send you anything in writing, or they don't respond to you DV, you send them a cease and desist.

Stop freaking.

This is just another scare tactic.

She only provided a PO box said she couldn't give physical address because of death threats. She provided me though an email address do I send a dv through email? She said they are a paperless company and the server would provide the paperwork. Thanks these people sure do work your nerves.

Sorry it was me that posted that last question, I forgot to sign back in

First, they need to send you a dunning letter. They're required to do so within 5 days of first contact with you.

She said that they are a litigation office not a collection agency. Can I email them the request for a dunning letter and is there an example on here for pay day loans? I was trying ot find dv letters for pay day loans but only saw them for other debt. Should I contact United holdings which I believe to be the Titan Group. She said I am being served for check fraud. There wasnt any checks involved.

If they're trying to collect, they're a collector - regardless of what they tell you.

She's blowing smoke. Tell her to send you something in writing or she can go FOAD.

If you do get something in writing, your DV simply has to say I dispute this debt and demand that you provide proof that I owe it.

:D

WHat if they send the dunning letter through email do I send a dv through email to or send it to PO Box? So I dispute the balance with them even though I know I owe 120.00? United Holdings never contacted me sent this right away to a collector.

You don't owe them anything. The loan was illegal. Morally, you should repay the ORIGINAL creditor the $120 but you should absolutely NEVER pay a 3rd party collector on a defaulted, illegal, PDL. EVER!

If they send you something, yes, just dispute it. Email, mail, whatever. As long as it's in writing.

Well apparently this low life process server called my parents as well. Well I havent lived with them in 20 years and the man left the same exact message!!!!! I'm so extremely upset what can I do? They left information that I am being sued for fraud etc.I told them its a scam snd not to answer the calls or return any messages. Really how can these people get away with calling relatives?

let me get on a soapbox.all places like this and the mutants who call are the biggest insult to mankind.forget the calls as they do that for a self-esteem boost.there is no info and everyone connected with this place,and others like it will be in the seventh circle when all is said and done.the fact that these idiots are drawing breath irks me.now for the advice.if haven't reported them yet do so.they had to give a number to call in their insulting stupid messages.use that to file AG,and FTC complaints.do not talk to the losers further.a waste of time bunch of moronic idiots.

They get away with it because they aren't in this country. They don't care about our laws or even basic decency.

Ignore the calls. I wouldn't bother picking up the phone anymore when they call. Report them and be done with it.

Ok I have reported them and my parents have reported them as well. How long will they use the processor calls? I emailed them yesterday after I spoke to them requesting a dunning letter this is what I got today

You have already received a validation of debt to your XXXX address, and was given 30 days to verify and accept the settlement offer if you wished to do so. You received the loan on XXX to routing number XXX, original loan number is XXXX to your bank account ending in XXX. The loan is not illegal as you applied for it and used the funds when they went to retrieve the funds the account came back R08 account closed. We need your attorney information, name, address and telephone number, so we can send them the complaint and proceed against you. Thank you.


They never sent me anything in the mail! Do I respond to this email by sending a c&d?

Thanks OhioGal and Paulmergel for your patience and help answering my questions and concerns.

that email is a direct insult.do not respond to it,and do not communicate furthrer.any medium.i mean email,phone,letter.they validated nothing and are a lawbreaking pile of dog dirt.again do not respond in any way,and do not communicate with them.a complete waste of time now.

Who is ACS? Did they tell you what it stands for?

They said acs doesn't stand for anything gave me a buffalo my PO box. Today I start my new job that I worked so hard for and the stress is killing me. Both my sisters called snd they as well recieved calls. Funny both my sisters live out of state and they tracked them down. I've never heard of such a thing. This is so maddening!!!

Everything I have read throught this site and through my googling efforts says that ACS is an illegal bottom feeder. However everyone of these posts states that the people are the indian accent scammers. The people that have called me and that who I have talked to our not of indian decent, they sound like they are right here in the us. United Holdings did sell my account but could not tell me to who, but this ACS has some of the information but is inaccurate in what was paid etc....I sent them the dv letter and they responded that they have already sent it to me and the time expired but I only defaulted on this loan 30 days ago, they said they will bring the chain of title to court with them. What is a chain of title? I am trying not to stress over this and deep down believe they are fraudulant but than I start to second guess myself.

the chain of title is a fancy term they throw out to again seem legit.it is once again an empty call,and a bogus threat.i for one never hinted that this was the scam in INDIA.i will once again tell you to STOP TALKING TO THEM!!!!!!!!!!!if they could do anything they wouldn't be calling like this.they would do it.get a redass,and start hanging up on them.nothing they say is legit,or anything they can do.

hey how did ure situation turn out? I also have a loan with them and ught!!

I received an e-mail from ACS saying that I owed money to a company that I don't even have a loan from. I sent them an e-mail asking for them to send me a copy of the loan documents and the company's license. I have yet to hear back. I called the number provided, a guy with a strong indian answered "this is attorney John Smith"....this is nothing but a scam. The funny thing is that when I first applied for a payday loan on the money mutual site I got hounded with phone calls by a so called legal company with men from India at my workplace saying I owed on a loan that...I hadn't even taken one out yet! Fraud! Are these guys dumb enough to think that anyone would believe that they are a valid legal company with making threats and repeating social security numbers to you and anyone who answers the phone?! Sickening...

I can confirm that MoneyMutual does in fact sell your number almost immediately to these bottomfeeding indians. We did a little test at work; by the next afternoon I was getting phonecalls from an Indian named "Officer Dalan Mack of Texas Ranger Financial Crime Bureau"...

So, stay off MoneyMutual... Montel Williams is a piece of crap.

Yes, he is definitely garbage for endorsing that site! The time back when I was receiving the calls after applying on that site, I asked what exactly that so called legal group wanted and they mostly kept repeating that they were sending the sheriff's to my residence...and for me to be at home on that Monday so that I can be arrested. So absurd. I called them back several times asking for their address, they told me to stop "harrassing" them and kept hanging up. One guy just answered the phone and said that he was going to come to my residence and beat me up.

Does anyone have a pysical address to this company. I am also starting to get calls. Want to send a demand letter so I can figure out what is going on. Thanks.

don't have a pysical address. Send via e-mail.

Do you have the e-mail address? Thanks.

dont have that either, but you can try [EMAIL="ACS@customerservice.com"]ACS@customerservice.com[/EMAIL] Maybe another member has this info.

Just wondering - what's a dunning letter???

Another word for a collection letter!