18007721413 - whose number is this?

[quote=joker]These people have been chasing us down for months over a lousy $92 we supposedly owe.[/quote]
If you owe the debt indeed, make possible arrangements to pay it off. Call them up; inform that you want to pay the amount. Try to fix some plans that both of you feel comfortable with.

But if you feel that you don't owe the amount and the agency is trying to impose this on you, send them a letter through certified mail asking for debt validation. They are bound to validate their demand. If they cannot, you need not pay the amount.

You do have the right to tell them how you would like to be communicated. So use your rights that FDCPA provides.

LTD financial services called me about my debt with Dell. They said if I paid the past due amount my account would go back to dell. He said the amount would have to be a certain amount and was unwilling to work with me to lower it to make it more affordable for me. Does anyone know if they can do this, or do they have to take any amount that I offer them?

Hi Jt, as per the rules laid down in the fdcpa, the agency has to provide the complete details of your debt before you start paying them. Once they have validated the debt, you are required to dispute on items which you find incorrect in the statement. If you do not dispute within the 30 days period, they have the right to take legal actions against you if you are unable to pay them.

However, you can also take legal actions against them if they are unable to prove the debt and still contact you.

Please do update us on this matter.

Regards
Roxette

I spoke with LTD again today and they were very threatening. The lady said that she wanted a post dated check today or they would persue legal actions against us. Account is only like 7 days into collections and the person I spoke with on Saturday said that I had until the 30th of this month to make a payment. Every person I talk to at LTD gives me a different story about how much is due and when it is due. Can they make me set up a payment today and threaten to persue legal action if i don't, If i have 30 days? i only received the letter from them on the 12th. do they have to take payments that i can afford or can they demand a certain dollar amount for payments?>

1) You wouldn't recieve calls in the first place if you would all just pay your blls on time. I missed one of m own, they called me and were very professional.

2) As far as calling you at home and work asking you to pay a bill that you owe, you signed that information when you recieved the card. If you didn't want the problem you should have paid the bill in the first place.

3) If you have alredy paid a bill DON'T PAY IT AGAIN!!! Supply info to the collector calling you and resolve the matter. anyone who says they have paid a bill has the common sense to have proof of payment, unless you're just lying saying that you paid it.

Just grow up and take responsibility for your actions. if your account goes delinquent pay it or put up with the calls. it's people who don't pay, and have no reason for not paying that make it hard for people with genuine problems!

LTD has been leaving veiled messages at my parent's home (haven't lived there for 15 years). I don't owe anyone anything, so I don't know what LTD's problem is.

Hi Scarlett

Have you thought of sending a letter of dispute to LTD financial?

You obviously have not read the complaints these people took the time to write. Many state that the debt involved is not real!

Also, being a debt collector may be a noble job and worthy of your time. My time is worth more than having someone call my house, rudely demand personal information about me from the person who answered the phone, then when the person refuses to give the information. When I called LTD to determine what this fuss was about, the man to whom I was transferred called me by the wrong first name. When I pointed that out, he became obnoxious and said, "Well, CATH-er-ine, you have a problem..." I didn't hear past that word because I blasted him with both barrels.

The people on this board are complaining about rude, obnoxious debt collectors who use abusive, deceitful tactics to obtain goals that are not based on reality. I have no outstanding debt. My husband has paid each of our bills on time for the past seven years. Yet, I have received three calls from this company in the past week. The caller has used offensive language, become verbally abusive, has threatened to mark the debtor as "unco-operative".

Maybe you feel that you do a noble job; the person who calls my house is far from noble.

So, take your more-credit-worthy-than-though attitude and stick it where the sun don't shine.

Common Sense--What gives you the right to preach to someone about their bills. People here obviously have had severe problems with this company as I have had myself. Regardless if a person could or could not pay a debt the Fair Debt Collection Practice clearly states that it is against the law to harrass or threatening consumers. Why don't you do your homework before placing judgement on other people.

As to everyone else on this forum, I too have been harrassed by phone calls both to my cell phone and my home phone and have been threatened to be taken to court. This is a sure violation of the Fair Debt Collection Practice and I think all of us should report them to the BBB as well as posting in this forum. Companies think that can get away with stuff like this and they can't. Let's show them the way out the door of business.

It is because of the existence of such forums due to which the illegal companies are busted out.

A proper research just at the right time can save a lot of mental strain and $$$$$

Question:
1) Is LTD licensed as a debt collector in the state where you are located?
Go to the website of state where you are located and look it up. The business license section at the secretary of state is where you look.

If they are not licensed by the state as a debt collector to do business as a debt collector within the state you are located, file a complaint with the state business license div., the state consumer fraud div., also with the federal trade commission(ftc), federal communications commission(fcc), the united states postal service (if they sent you any communication through the mail service).

Also, go to
http://www.access.gpo.gov/uscode/title15/chapter41_subchapterv_.html

This is the Government's website where they have the United States Code. This link is to TITLE 15 of the US CODE, CHAPTER 41--CONSUMER CREDIT PROTECTION, SECTION 1692. This tells you what debt collectors can and can not do legally.
IF THEY VIOLATE ANY PART OF SECTION 1692, FILE SUIT AGAINST THEM.

Look up LTD's address, send them a letter stating they are to cease all communication with you by the telephone.(keep a copy of the letter)
Send it certified return receipt requested. When you receive the return receipt, put it in a safe place. Keep accurate records. After you receive the return receipt, log the time, date, and the "alleged" name of the person calling representing LTD on every call thereafter. Also, RECORD ALL PHONE CALLS.

When you file suit against them, you will find that the "alleged" name of the person calling you has never been employed by the company. There are no payroll records of checks issued to that person, there are no W-2s or 1099-misc statements ever filed with the IRS with that name.

That is FRAUDULENT MISREPRESENTATION. If the call originated from outside the state where you are located, it is multiple FEDERAL CRIMINAL OFFENSES. Then you will have the Federal Authorities as allies to prosecuted these criminals.

In my next posting, I'll show you how to go to the FDIC's website, The Federal Reserve's website, and the SEC's (Securities and Exchange Commission)website and look up the documents these banks, credit card companies, loan companies and mortgage companies have filed pursuant to Federal Law. These documents (prepared by these banks, credit card companies, loan companies and mortgage companies) all state that they are only servicers of alleged loans. I will show you in their own documents that NO bank, NO credit card company, NO loan company and NO mortgage company has legal standing to file suit against you for any alleged loan default. Why? Simple.
They acknowledge in their own documents they do not have any ownership interest in the alleged note/debt. If they do not own it, they can not claim to be damaged by any alleged default.

So, one thing is true. The complaint they filed in court is fraudulent or the documents they filed with the Federal Reserve, FDIC, and the SEC are fraudulent.

I let the judge make that determination. "I'm confused Your honor, did plaintiff commit Securities fraud, Banking Fraud, and Banking insurance fraud? Or, did plaintiff by and though present counsel file a fraudulent complaint on this honourable court and commit fraud on this honourable court? I'm confused, Can you help me out with this?"

Of course, you have to file into the court record the SEC filings, the FDIC call reports, and the Federal Reserve call reports these banks, credit card companies, loan companies and mortgage companies have filed. But then watch 'em run! Just like cockroaches in a tenement building when the lights are turned on!

There was a guy a couple thousand years ago who said, "The Truth will set you free!" Guess what?! He's Correct!

Be Safe, Good Health, and May God Bless.

private1

I have 6 logs on my caller ID from the times of 5:00pm to the current 6:00pm from this 800-718-3583 number. Six calls, and no messages. To me, this is clearly harrassment. I have missed ONE payment of $35 to Dell this month, simply because I lost the statement. The current payment with past due is in the mail, yet collections is already calling me.

I'm a busy college student who works from home, and I receive business calls left and right. This woman who left the first, and only, message came across as rash, arrogant, pissy, and on top of it, did not even tell me WHO she was calling for and why. I have no reason to call back someone who does not tell me their business, especially when I get 15 messages a day for work.

What is the worst thing LTD has done to anyone, they are trying to say I owe 3 times more than I even financed from Dell and I thought my debt was paid off. I am not sure what to do, I cannot get them to give me any of the records, plus they are discussing my account with anyone I have call them with my account number!! HELP!

To know more about the business activities of LTD Financial, please browse through this forum. You will get unique experiences of each consumer with this company.

Ask LTD financial to validate your debt showing the proper distribution of the amount. This will help you to know more accurately about it.

Moreover, it is not legal to discuss your debt with any other person except to locate you. You might think of taking legal actions against them for this reason.

Regards
Roxette

What would you suggest if this guy threatend to come to my house!!?? Is there a formal place to complain?

Threatening to pay the debt without genuine reasons is a violating of the fdcpa law. You should file your complaints at the FTC, BBB and the attorney general office in your state.

Neither I nor my husband has ever purchased anything from Dell, and LTD called our home today talking about "Dell Financial Services" filing a suit against him for "stolen goods." Hmm. This is really, really sketchy. We don't owe Dell anything, we're Sony people :P

Maryam,

Have you sent a cease and desist letter to LTD financial. If they call after receiving your letter, you can sue them as per the fdcpa law.

Send your letter certified with return receipt requested. You will have a proof of them receiving your letter.

LTD left a message with me today, and when i called them back the woman asked for my ss# to "verify it was me". I of course told her no and I asked what this was all for. She said she could not tell me the information unless i gave her my ss# so that she could verify if it was me. I finally got out of her that it was about a dell payment or some garbage. I build my own PCs, i dont even own a dell! Eh whatever, i reported the number to my local BBB since they asked several times for my ss# even after I told the lady she had the wrong number, I DONT OWN A DELL.

LTwho?

If they continue calling you, ask them to validate the debt. You can also request for debt validation through mail. All your correspondence should be sent through certified mail.

If they fail to validate the debt, you need not pay the amount and as you have said that you do not have any dell account, I think they would not be able to cross the first huddle!

I had been dealing with them for most of this year. They started calling in December when I was unemployed. I told them I was starting a new job and told them the exact date I'd be starting. When I started the job in January, I started getting calls from them again with them refusing to cooperate and come up with a reasonable payment schedule.

In April my account was given to Lupe @ ext 6285. We came up with an agreeable payment schdule and I made all the payments with the final payment going through on 6/4/05. I was told I'd receive a zero balance letter within 6 weeks. 2 months later no letter. I call again and am told by Lupe that they will process a new one and it could take 6 weeks again. 2 months later, still no letter. According to my credit report, the account is still outstanding. I disputed the information on my credit report but it came back as valid so I don't know what LTD has done here.

Any ideas what I should do next?

-Keith
Orlando, FL

Keith

You need to take legal help of your attorney at this point. Since you have made the complete payment and the company is not updating your accounts, you need to take actions and make sure that the money was actually sent to your debt account.

Hope you get positive results. Good Luck!

i just find a lot of paper here,from ltd 77074,go to dig now,their old mistakes.tell me rouxette,with law give them rights ,to tell my husband lies and take from his disability check a 150 dollars,by law!!!???i have all paper that they send to us,that begins like this:"in accordance with public law 95-109,this is a notification that your check dated 12-07-2004 in the account of 150,00 will be deposit on that date.ltd is a collection agency.this is an attempt to collect a debt...i have these letters of here more or less 10 differents dates to 2004 to 2005,i never cut my old papers,i like to dig old mistakes.please rouxette,explain to me if the law protects this people to lie and abuses people that have no condictions of defense.i feel so sorry that i cannot give you a number of their account in bank one,because i didnt understand what he writes on the paper,i feel very sorry because they dont go to received any donation in this christmas,GOD BLESS YOU
ROXETTE AND ALL PEOPLE OF debt consolidation.

the worst thing about i forget to tell you ,they put the letters in my name,because they are very smart people .i dont have this debit and my husband told me,he didnt understand,why his pay so much this old account,he dont remember.our equifax is clean.

tania,

collection agencies are not allowed to lie and abuse consumers. If they do, it will be considered a violation of fdcpa. In that case you can file complaint with FTC, BBB or attorney general office of your state.

Another important thing is that disability check cannot be garnished without legal papers. So consult an attorney with this issue. Hope it helps.

thanks bryran,for open other door for me and others that have the some problem.thanks ,thanksssss!!!

Hi Tania,

I am so sorry to keep you waiting for quite some time. There is no such law that states that accounts have to be misrepresented while attempting collections. LTD does these types of activities quite often and that is why they are among the worst collection agencies in the industry.

Apart from consulting your attorney who will guide you on how to deal with this company, you need to place each of the items on dispute that you have from them. I am sure there are legal ways of handing these situations. The federal laws are there to protect us from such agencies that make money by misrepresenting the accounts. God is still there with us and he will take care of you, your husband and all of us who are falling in the wrong hands.

Never let these activities go unreported to the state authorities. Send a written letter to the local attorney general's office in your area as well as the BBB. They have to take the actions fast so that a lot of people can be saved from being financially hurt.
Tania, you are in my prayers.

Regards
Roxette

ltd send me a letter and wants 500 dollars until january finish.it is very funny,they still think we are more idiots than them.they continue doing mistakes.the problem you dont owne them nothing and my husband get a disability check of only 599,00 dollars with 134 dollars of food stamps.i dont work and i dont owne nobady,i just check my equifax.i cannot work no more because my husband sometimes cut him self and he has bipolar disease and now dont accept treatment,before when he has good vision ,he make treatment and get a 1000 for week.in last year my husband was in crisis in jackson memorial,ltd is going to far after take money of his disaability check,that is against the law,they are liars and i want they take me to the court for this money,that they say be 1748,09.because i have proff against them and i have proof enough that i dont owne nothing to them.they until put other account number for you paid them,discovery anulate a paid ,because they send a letter with other account number.which company is that?i really dont have any fear of them and i want they paid what they are doing to my husband.my family is helping me to survive and I go to give more complaints against ltd .it is not a debt collector,but a devil collector.tania alvarez

i was so angry with ltd hell,that i forget to say thanks for your beautiful words.it is good when people like you and others of debt consolidation always have time to help others.GOD BLESSES ALL OF YOU AND A VERY HAPPY NEW YEAR!!!!!!

when i said ltd is not a debt collector,but a devil collector i did a mistake,because ltd is a collection agency and all debt collectors that work there are demoniacs and they are really bad peple without any feelings and no shame at all.sorry for my bad english and thanks again.

my husband has a natwest credit card from 1991 with a number ltd send letters to us.the problem is they put other account number , when he went to pay them, because he is blind,and they think everybody is blind in this house ,i told him;_is not your account number and i have here a letter from discover card that show other number of account .why this people still open for business?they are not debt collectors,they are devils.

sorry is not 16 years old is 15 years old.

Tania,

Do you still use the card? Can you remember when did you use it last? If the SOL of the said account is expired, you are not legally bound to pay it. However collectors can still try to collect the balance.

But, if they are sending you letters with wrong information, this proves nothing but extreme carelessness on their part. Dispute it. Send letters to them. Also check whether they are imposing other's debt on you or not. If they cannot respond to your query properly, report against them with BBB, FTC or Attorney General's Office of your state.

a very old credit card from 1991,is really old .my husband keep a collection of his credit cards in a very big book,he likes to collect everything like me.i want to thanks all the people of debt consolidation care for give always very useful information and be so nice with everyone that needs them.i admire people that dont discriminate people and help anyone that needs help.thanks byron,rouxette and all people of debt consolidation care.

You're welcome Tania :D

I understand that you took the card in 1991. Do you still use this card? When did you last use it? If your debt is past SOL, collectors won't have much option for bargaining. The ball is in your court :D

Anyway, make sure that all the information provided by them are correct and if you decide to pay them, make a deed for the transaction and get it signed.

2 debt collectors in the same papers.ltd said the client is portfolio recovery associates.i call them long time ago for complaint against ltd,the man told me that i can pay them or ltd.i call this number:1888772 7326.in this time,i stay very confused,because i didnt know they are two collection agencies differents or i m wrong i need my guardian angels,tell me for i learn and dont fall again in this mess and i really needs understand this.all the pappers they send me charging a bill the client is portfolio recovery associates(hoovers a debt company?i m just lost in the space.help me please!!!!!!!!

january 29,2004 the cliente is natwest fleet account.in january 3,2005 the client is portfolio recovery.

Tania,

Contact the original creditor and confirm who is currently holding your account. Then it will be easier for you to make suitable payment arrangement or go on with negotiation.

If both the agencies are appearing on your credit report for the same account, you can dispute the entry with CRA. Two agencies cannot hold the same account. One of them should be removed. Hope this helps. Please keep us update on what is going on.

the list against ltd 77074 goes increased and all the things they are doing are completly out of control.the original creditor can not be reach because they move to england,europe or north polo(natwest bank).i fell very sorry because my husband paid them already more than a 2000 since january 2004 to june 2005,after i found the letters here and checks of 150 a month ,they robber him and this account is not a valid account and disappear from our credit files years ago,i m sure he paid other debit collect in new york but he is not sure.ltd say the account is 2798.09 in january 29,2004 and in november 2,2004 was 2648.09 .i have all the checks here eletronic 150 dollar from his disability check.he gave too much money to ltd and they want more.and now more 1748.09.,500 hundred in january and more money ,money for ltd is never enough because this is the tatic they use to robber people.i think they use no matematics in their business and since they are escrupulous individuos that abuse the system of law in this country i go to wait for justice and GOD DONT GO TO HAVE MERCY OF THEM.

Tania,

It would be best if you speak to Ltd Financial at this situation. But I'm not sure whether they would respond to you or not. BBB report shows that they are not very attentive to customers' complaints. Hope you have all the records of payments made to them. It will help you prove your situation.

You can contact the consumer protection office of your state and ask for their help. Please inform us the latest happenings in this matter.

my message posted before I could finish... Anyway, my phone number is 330-435-****

Phone number deleted for your personal safety - Roxette

I have had MAJOR problems with them calling 20 times a day to harass, even if I talked to them the day before and told them it would be a couple weeks, they call and when I answer they hang up on me, totally illegal! Please help me sue them and put them in their place! 330-435-***

Phone number deleted for your personal safety - Roxette

i look the letters in citybank and ltd began to take money in 0ctober 2004 to april 2005.any way they commit a crime because they took from a disability check .i make a mistake because the letters i look only the letters from ltd.in october 2004 the client was natwest and in january 2005 the client was portfolio recovery.i go to send this proofs i have here to attorney of florida.thanks all of you for help me.

Hi tania,

Please don't forget to post the progress here in the forums. I'm really very anxious to know what happens next. Best of luck.

client natwest/fleet account.account#e19n85092******* in 2004 and client and clientportfolio recovery associates account#pra n850920******** in 2005.in the bill with the discovery card a 1300 they put 4241850****** and discovery anulate the pay.please explain this mess to me.

Account information deleted for your safety - Roxette

Tania,

I am confused too. It seems from your post that your account is with portfolio recovery associates. Then why is Ltd contacting you?

account#e19n850920***** in 2004
account#pra n850920****** in 2005

I think as your Natwest card was transferred to the collection agency, account number with two different prefix is appearing here. But I cannot find any connection with the Discover Card, account# 42418509*******.

You have mentioned in your previous posts that you have only one Natwest card. Then it seems that Ltd is imposing some others' account on you.

Moreover, before garnishing your disability check, they should have produced court order. IMHO, consult an attorney and see if you can receive compensation.

Account information deleted for your safety - Roxette

discover credit balance transfer was 1300 dollars but they annulate because they say your account with creditor is incorret.it was returned by post office."we have reverse the transaction,and you see a credit on your biliing statement.we are giving this matter our prompt attention ,etc...

tania,
Keep the document that you have received form post office safely. It will help you prove that this debt is not yours.

One more thing, have you checked your credit report recently? What does it say about the Natwest card?

only ltd send letters to me and the other is a client portfolio ,both in the same letter and they send in my name and my husband try to pay with his discovery card after a take from his disability check.he wants to be free of the abuse of them.because he is a very sick man,blind and this people from ltd wants to make his difficult life more difficult and he was paying them,but they call many times in the day.i try to make his life better and this abuse i cannot take.sorry i want only say that i thank all of you for your time and dont worry i have proof against them .

natwest card is not in my report or my husband in 2005.i want to thank all debt consolidation for help me and i hope with your wonderful help other people can check if ltd is doing the same with them.i go to send to you by fax.did you have a fax number?the famous letters with 2 debt collectors are here.