PayDay Loans - Harassment
Date: Mon, 09/24/2012 - 09:08
About 3 days ago, I started getting calls from a company that listed themselves as Capital Solutions. (They also called several of my family members and I have no clue how they got their numbers) Regardless, they left messages on all of our phones stating they were looking for me and that I needed to call them back immediately regarding a complaint that has been filed against me for Three Counts of Fraud and a Return Check. I figured it was regarding a payday loan that I took out back in 2009, 2010 time frame. Anyway...I called them back and they said they were a "Legal Processing Firm" and needed to notify me of the three counts of Fraud and that I would see them in court. When I pressed the issue about what it was regarding, they mentioned the Pay Day loan place that I didn't recognize. I asked for verification of the debt and if they could send it to me and they balked. Said it wasn't their place to send it. They didn't do that. Funny thing was...when I really pushed the issue and asked how much I owed, they told me $300.00 plus $220 in penalties and fees. Then when I acted like I wanted to resolve, I was transferred to another person who wanted to take my credit card info. I told him that I needed to see some verification of the debt with my signature on it and then we would talk. I still couldn't get it, but he "Promised" to email me a release once I paid the loan. Then he says that it's not even worth their time, so he would reduce it to the original $300.00 if we paid it then. I told him I didn't know who they were and couldn't just give out that information without some kind of proof. Then we go back to the "go to court" tactic and he just tells me "good luck" in a snobby way and we part ways. All I need is verification of the debt...I don't show anything and I've asked for it numerous times...What are my rights here?
You did exactly the right thing....give then nothing. Debts are
You did exactly the right thing....give then nothing. Debts are civil, not criminal....and they are scamming you.