Warren Schembs' Latest Foolishness, watch him hang himself!

And this is getting beyond a "forgive and forget" type of thing where they can acknowledge their mistake and apologize and we forget about everything. This is getting to the point where legal action may be nesc. I need to see what comes of the next few days. I also need to get a few more opinions from lawyers in my area about the case. The lawsuit amount varies depending on what charges we intend to persue. Hey Warren: Can you say the word "extradition"? LOL..

And how about "extortion" and "embezzlement" and "fraud". This guy is cutting his own throat.

Gather your proof together (that you actually overpaid etc, and they sent a refund.) Send copies to this extortionist with a letter stating that you plan to litigate.

He is not smart enough to quit when he is ahead. He has already, according to my lawyer, done more than enough to give us grounds to persue a case against him and PD6. Civil or criminal is the question. I am letting him do and say whatever he wants. There will be a valuable lesson to be learned here.

For all of you collection monkeys out there, you bottom dwellers, who lurk in the shadows, who hide in your little cubicles, behind phone calls, e-mails, letters, scripted threats. Watch this thread, and watch it closely. This is exactly what you DON"T want to have happen. This is how a mistake comes back to haunt you....

The rest, sit back and enjoy. Forget about you problems, and watch.. Watch.....

I recieved this stupid threa this morning.

Quote:

That last thread sounds like it is getting just a tad personal, this collector obviously needs to relax..I bet they take their work home, must be a terrible way to live.

The letter is self contradictory. They are stating that it's your responsibility to send the payment but they are not accepting your proposal, how dumb is that.

Dierdre, keep that note or recording and send it to the Attorney General of their state. That collector sounds seriously unstable! She broke quite a handful of laws right then and there!

Jerkball, that is one hilariously funny declaration of disdain for collectors! You must really hate them! I used to be a collector you know, of student loans, and I was nothing like the monkey you describe. I ignored the script and my interests lied in helping people find solutions, these clowns are only interested in what they can take. And that's shameful. Nobody should be stooping to these scummy levels for a few extra bucks of bonus money. It's like selling your soul for a baloney sandwich.

Deidre,

Who is this e-mail from, Xpress Cash? Okay, Jerkball, I agree with you that this company is the scum of the earth. I have dealt with them myself and let me give you a few pointers. First of all, check the payday loan laws in your state as well as Missouri. They told me they were licensed in Delaware which was a big fat lie. Deidre's letter cracks me up because they won't contact T &C nor respond to the proposal letter but she is to seek professional help in case of financial troubles. Hmmm, seems to me that is what she is trying to accomplish.

Also this guy is really hanging himself with the e-mails that he has been sending to you, Jerkball. This is not fraud and this company called me a thief and an embezzler. If you have proof that the loan was paid that I don't understand where this guy is coming from, sounds to me like he needs to check his own records before harassing you.

They also use the name "Whistler Holdings" and, as such, I have a signed check with their name on it, PAID IN FULL.

I just want him to keep on coming, and hopefully turn this into something BIG.

We'll see what the BBB says. I sent my complaint to the AG here in MA today. I talked with them via phone and they are most interested. My own attorney feels he is walking a very fine line between civil and criminal in this case. His stupidity will be the difference between his punishment being under civil law or criminal. At this point he is crossing the line, and I certainly won't stop him. He will be a poster boy for collection agents as the type of person you DON'T want to be. His mistakes so far alone could cover an entire day of onsite training for new collection people, lol.

Only the dumbest of the dumb survive in that business, lol.

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I absolutely love reading your cmnts Jedi Mistress & JerkBall. You guys are great & make me laugh which has been hard for me to do these days w/ these stupid payday loans.

Don't sweat it Igall! Eventually the financial farces meet their end. You are welcome still to be a part of this forum for as long as you like even after the debts are gone.

Now you know from both myself and Jerkball that while the debts are to be taken seriously, the collectors are not. The ones in the payday loan arena are a bunch of uneducated, smart-mouthed, bumbling imbeciles with no life. Let them piss and moan all that hot air, they can't do jack to you no matter how sincere they sound.

Keep us close too. Any questions you may have will certainly have answers!

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Thank you all for your support. This guy works for the payday loan company C.R. Interweb. He is seriously mistaken if he thinks he got to me in any way other than making me laugh at his stupidity. I printed his email and will keep it just in case he contacs me again. Then I will contact the Attorney General. I am so very grateful for this forum. It has not only educated me but has brought me much needed peace of mind. Bless you all.

Contact the AG now! You have all the proof you need! After that you owe those stupids jack!

You know you are absolutely right. Thank you. I will reasearch the process and person to contact in California.

It's easy. Just do a google search and you're right there. When the stupids from First Credit of America called my husband for a debt that was not even valid, after he got off the phone (he paid just to cover his ass)I asked him about the nature and content of the call, I was working at CCA at the time where the fdcpa was a religion. As it turns out, the collector from First Credit of America completely bumbled his way through the call and disregarded the FDCPA. I immediately drafted a letter for him to send to the Attorney General of Illinois. Less than a month later, he got the amount refunded to him from First C of A plus a letter of apology, and the AG and the Consumer Affairs department investigated the original creditor and I beleive they got ding'd as well.

The funny thing was, I kept trying to call 1st C of A to try and settle this with them and call them on their disregard for the FDCPA. All I ever got was "Audix" and nobody ever returned my calls!

Jedi Mistress Ari,
That is shameful. They don't count on us having any sense or resources. WRONG!!!

Very shameful. I assure you, collection agencies like these and the one you are dealing with are not in the business of helping you, they are in the business of how much they can take from you. They are a bunch of charlatans.

Anyone want some popcorn?? This is gonna be good!

Let these scammers keep digging and digging their own holes. The longer you let them commit illegal acts, the more you have. Maybe you can even sue the collector personally as well.

Are you suggesting that we egg these clowns on and then watch the fur fly when they finally get caught with their pants down? Novel idea! It may in fact be the only way to get some real results in our fight against predatory activity.

I "TEACH" the "fdcpa" and I will tell all of you thatyou all have an extremely strong case against these "dirtballs" each violation carries a $1000 fine. You may sue the Agency "AND" the "collector. If you all get together, call the FTC & have them file a "Class Action" suit. All parties would get 1% of the companys net worth or $500,000 (which ever is larger. Split between say 100 of you would be $5000 a piece. My girlfriend just received 2 calls and an email from these guys. I've already put them on notice myself.I for one am going to follow through on this. They won't know what hit them....Trust me

We trust you, bro! I once helped my husband bring a similar group of dirtballs to their knees! First Credit of America, they did not stop to think that their debtor was married to a student loan collector, and they got caught with their pants down. After I got the details of the horribly FDCPA-fumbled call from my husband, I drafted a letter to the Illinois Attorney General, and my husband got every penny refunded, plus a profound apology from that agency. This one in question will be the biggest bunch of the sorest losers ever!

I am waiting on one of my payday loan collection agencies to hang themselves. It was being paid through T & C with them to the original lender or affiliate lender since the funds were disburse by the First Bank of Delaware. I received a letter from the First Bank of Delaware earlier in the month. They were replying to a nasty gram that I had sent Universal Cash Advance about not being licensed in my state. They did send me all my orginal paperwork that I needed. I had sent the collection agency a validation request a couple of months ago via certified mail with return receipt requested. I have the green signature card that it was received by them to the correct address listed for correspondence and not payments. The letter that I received from the First Bank of Delaware states that the collection company did not receive any request or payments from me. Duh they were went to Universal Cash Advance. I have contacted the division of financial institutions on my state for for more information on how to proceed with the matter. Universal Cash Advance has a mailing address in Georgia and payday loans are illegal in Georgia according to the attorney general's office. This could get interesting.

I sent my payday loan sharks the certified letters and Arrowhead rejected it giving me a bogus Vegas address. I can't find One Step Cash but I did fax the cease action and calls letter and they along with CR Interweb are completely ignoring them. After I put a lock on my acount I just found out that one of the jerks were able to withdraw fund twice yet I cannot access my own money. I verified with the bank tat no money was could be taken with out me authorizing it in person including ACH transactions. I am furious. I emailed the bank officer that locked my account and will call them this morning.

These payday loan 'tards are so disorderly and so completely out of it that they are going to collapse on themselves. I've never heard of such sloppy business practice.

do you not have anything better to do than bad mouth my name online? i am a person, who has a job to do. if you did not make poor choices.... i would not have a job. so continue making poor choices... poor people... and i will continue reaping my big fat bonus checks. hugs.

If you did you job in accordance with the prevailing law,your name wouldn't be trashed and I might have to quit finding ways to sue collectors when they cross the line.

so what is the status on nailing this @^#

Hey guys I had an old laptop running XP Pro. A couple of weeks ago, every time I would connect to the internet via DSL or wireless, the hard drive light would come on - as if it were writing something to the hard drive. It would cause IE to run slower than dial-up. I looked in task manager and although the CPU usage was high, there didn't seem to be a process listed that was using it. I used LavaSoft Adaware to scan on a regular basis as well as Norton 2005. I eventually gave up and bought a new laptop (Vista Home), which now has the same problem. It is obviously related to something that I copied over to the new computer from the old computer. But the things is, Norton Internet security isn't picking up a virus. I used it to scan everything before copying it on to the new computer. Has anyone heard of such a thing or had the same problem? I'd much rather be able to find and remove the problem rather than restore.

Thanks!

Welcome to the community artkolkovk. This is a site for debt consolidation and consumer counciling. We do not offer IT support.

Speaking of making "poor choices"...

Court Case Number: CR597-75F
Possession of a controlled substance
5 years probation, 06-2000 to 06/2005, sentence complete.

Any of that ring a bell Mr. Schembs?

What's always been crazy to me is how involved these collectors get. I never met anyone in real life who is so involved with their job and so loyal to their company. Are they getting commission for collecting debt? I'm seriously curious, because I never thought they made too much money and I wonder why they get so into it?

Might be slightly off topic, but I've been edging to get this out. Okay who would win in a fight, Obama or Bush? :D
I'd say Obama would pull out with some slick moves he's got up his sleeve. :-p
Comments?

fewdluvrnfat, this is not the forum for flights of fantasy or political discussion. If you wish to discuss it anywhere please take it to the pub.

hey guys. I've been lurking here for a few months and I thought I'd finally make a post. My boyfriend's birthday is coming up and I want to get him something nice but I'm a little short on cash... (shopping and all).

So here's my question... has anyone here ever bought a replica watch online before? obviously he'll know it's a replica watch... I'm not trying to fool him or anything :)

But I'm curious about if anyone has ever bought from a site and NOT gotten scammed. I've read a lot of bad things about a lot of different websites.

I've been reading replicawatchnews.com and they have a few sites to avoid, but there are hundreds out there and it's just not enough.

Should I just buy from the sites they recommend? Should I just get a new boyfriend whose birthday isn't coming up? Should I buy myself a new purse instead? Let me know what you guys think :)

:? :lol: Guest this is a credit site.Try one of them shopping sites.

CB, I think it was an advertisement post/spam.

Where do they (spammers) come from with that strange language?

Welcome to the community Schlampe.
If you have any questions feel free to ask.

UnknownPriestKiller (just what kind of screen name is that anyway? :? , What does your post have to do with the subject at hand? Just askin'. :)

So... What is it ?

WTF does this have to do with the thread,Soccer-Euro??

Can somebody PLEASE review these posts before they get posted? I think they are a waste of "internet space" and really could probably endanger the site with some kind of a virus. Am I the only one concerned about "our safety"?

We moderators jump on those posts as soon as we're able. Bear with us, please. There are only so many of us online at any given time.

We moderators jump on those posts as soon as we're able. Bear with us, please. There are only so many of us online at any given time.

Any way to add a Spam Alert button that would allow us to flag a post for the Moderators? So much Spam, so little time and busy Mods I think could use the help.

hello im new here and wanted to introduce myself to the forum, been a long time lurker to this forum but never really got right into posting and stuff. Im a family man and dont have alot of time to play on the net but did decide to get more active in posting and conversating with good folks like the ones on this forum.
Hope to meet lots of new freinds from here.

This has gotten a little off topic, so I will try to answer some questions.

If you see spam, there is a" Report Spam here "topic in the Pub. Just post the link, and the mods will get to it when we are here.

If there is a spam bot, they sometimes post faster than we can delete, but all the mods try to keep an eye out for this.

If you have a question, or comment not related to the post or topic, feel free to start a post or question in the Pub, where all sorts of things are discussed. Whatever the post or question, we do not allow advertising, etc., please refer to the Terms of Service here.

Thanks, and I will try to catch more spam if I am able..KAren :D