I need help, please!! (Desperately)

first off, contact your local social security office or go there in person and ask them for your SSN number and also if you can get an "official printout" with your SSN number on it. you will need some IDs when you go there, like state ID, Passport. take atleast 3 different IDs just to be on the safe side.
this should be your first and foremost step.

find out if you are using your own SSN and if you are and you have proof of it, then the pdl people who are calling you have no case.

also, contact a lawyer for some advice in this matter after you find out about your social security number. do this only if your social security number (that you find out from the Social seciry office) doesnt match the one you have been using.

take things one at a time and you will be okay.

keep everyone at these forums posted and we will help you.

Zek~
This happened the other day and I have already contact Social Security Adm....and the number that I have been using is wrong. It was just administered like 5 or 6 years ago to be exact! Now I am really freaked out, I have been committing fraud!! I have a little one, I can't go to jail....thank you for all of your help, I am just so terrified about this...I don't know what's going to happen next?

Hi Angel

I will suggest you to check your earnings record at http://www.socialsecurity.gov/onlineservices/
Or call 1-800-772-1213 and request for "Personal Earnings and Benefit Estimate Statement." If you find the figure inaccurate, notify the SSA.

Everything needs to be put in place. You must contact your creditor and the credit bureau individually. If the SSA is not able to take any actions for you, you must notify the state or local agency and correct your record.

John~
I will be sure to check that all out. The SSA said there isn't anything that can be done and that I was foolish to listen to the loan person when they told me that my original number was wrong, which really it was pretty stupid of me. I am young, I didn't know. The whole thing of fraud is what scares me and that's what these pdl companies are saying that I did, that I intentionally used the wrong ssn, but I didn't. I know they probably hear that all the time, but still, it's the truth in this case.

Are you saying that you had a SS # all along, and you applied for a loan and was told that was not your SS #, and then you started using the new #?

angel, a payday lender cannot send you to jail, hell they cannot even file criminal charges.. all they could do is file a police report and they won't do that if they are internet lenders because they don't want the attention... as to the ssn number mix up who gave u the new number a loan person? if so they would be guilty of fraud.. or its all just a mix up no harm no foul... either way you should relax, you will be ok

What?~
I went to apply for a car loan, when they typed in the ssn that I had given them, it came back that it wasn't right, so he entered all of my other informatin and the ssn that he said was coming up for me was a different number, so I wrote it down and started using that one. I have applied for a new card seeing that I lost mine in a fire a few years back.

JJ~
Are you sure about that? And why wouldn't they want to bring attention to themselves? They are indeed and online company though. Mr. Manley told me that they were sending it to the courthouse because it was considered fraud now! I don't want to go to jail and it's freaking me out. They can't just come and arrest me for this, can they?? :?: :cry:

so youre saying that, first, you had (what you thought to be) a valid SSN. then you went to the car dealership and they told you that the SSN you have been using all along is wrong.
The car dealership proceeded to give you the SSN that was showing up on their computers.
Ever since, you have been using the SSN that the car dealership gave you.

After you went to the Social Security office, they told you that the SSN that the car dealership said was yours is wrong.

Is that right?
if so, then your real SSN would be the original one that you had before going to the car dealership.

Just clarifying.

JJ is right about the payday loan company not being able to do anything becides threaten you into paying them.

If your old SSN before you went to the car dealership was the right SSN, then the fault is with the car dealership and not yours.

Theres almost no reason to think you will be going to jail.
But you might have to go to court. I dont know for sure.

One question though, after the car dealership gave you the SSN they thought was right, did you check it with your Social Secirty office and ask about your old SSN?
If so, what did they say?

Zek1000~
You have the story right, and it's a messed up story!
I called the SSA and they advised me to use the old number that I had originally because that was what was in their system.

So I really don't have to fear about going to jail or having the police come knocking on my door? I am so freaked about this.
The other weird thing, is that I have used this ssn for my bank account, and some utilities that I have had turned on, they all ran it through their specific systems and it matched with me. So I just don't understand at all??

angel, you shoudl be in the clear the payday lenders are just trying to scare you.

JJ~
All I know is that they just kept throwing the word fraud in the conversation and that it was in the court system now as fraud!! Fraud is a crime, I know this, and I don't want them to come and arrest me for it. How does that work too, if they took my file to the courts, what can I expect next? Does anyone know?

Taking it to the courthouse would do them no good. The real process would be this 1) they would file a police report 2) the police would investige it by talking to them and you 3) based on the investigation the police would forward their findings to the prosecuting attorney who would review it and them decide if charges could be filed...

Now, given what you have said, even if they were to file a police report (which they won't) the chances of the police even taking it seriously are very slim, because they will see that this is a civil matter and not criminal... The evil thing about what these %#&^R$# do is they make people think that they have the power to snap their fingers and have the police do their collecting.. this is total and utter BS

JJ~
I do hope that you are correct about this. I am so frazzled and reading your message has somewhat put my mind at ease. I would be notified by the police or someone, if something was going forward right?
Why would they just be saying this? The man sounded like he knew what he was talking about. I did find it funny that he said he just came back from the courthouse and I was on the phone with him like 5 minutes prior, so he is pretty swift!
Why wouldn't they want to file a report with the police?

They won't because no crime has been committed.and by filing the would open them selves up for scrutiny.... Think about it, all that happened was a mistaken SSN, they can still contact you, know where you are etcc.. hardly the stuff of criminal fraud.....this is sleazy collection trick 1A, trust me they won't.. what they are doing is illegal especially if they guy i smaking you think he is an attorney and he really isnt, that now is fraud, and you are being harrassed.

JJ~
He never mentioned to me in any way that he was an attorney or acting as one, he just told me he was in the legal/collections department for the company.
Like I said before, my nerves are on end and I am making myself sick thinking about the "what if's" in this situation. I don't know what they will do or how far they will go to go after me. You have eased my nerves a bit, and I thank you for that...I just wish I knew for sure that I wasn't going to go to jail or anything for this.

you will not go to jail for this....howz that?

just pay off your PDLs' as you were and you will be fine. If the stupid idiot tries to harass you over the phone, KEEP YOUR COOL and just let him know that you are paying off the PDLs' as best you can. Also let him know that if his company is unhappy with the payments, you are willing to work with them so that both you and the PDL company can benefit in the end.

YOU HAVE TO HIDE YOUR FEAR WHEN YOURE TALKING TO HIM. He is like a hound dog, if he smells fear, he will start barking even louder.

All they want back is their money, they will work with you. If they do allow you to work with them, DO NOT UNDER ANY CIRCUMSTANCE let them make you raise your payments if you cant reach that level.

Zek1000~
When they are on the phone telling you that you have committed a crime of some sorts, that can be quite scary! I don't want to go to jail or get into the court system....
So you also don't think that i will get arrested for any of this?

Angel, You cannot be arrested.

Angel, there is NO way you can be arrested for this.
it is NOT YOUR FAULT. (im not yelling, just stressing a point).

The most that might happen (and this is HIGHLY unlikely) is that they ask you to go to court.
Even if that ever happens, and the chance of that happening is less than 1%, then the judge will favor your side DEFINITELY and probably throw out the case or just recommend you pay off those PDLs'.

thats about it. w all know youre tensed up and any one of us in your situation would be too, but just remember that youre safe and your little kid is safe coz her/his mommy is going to go to jail for this.

About 7 years ago, I opened two new charge accounts. I filled out the application with the wrong SSN. I got the SSN mixed up with my driver's license number. I wrote xxx-xx-xxx5 but my number is xxx-xx-xxx8. I have worried for years about that mistake. Then, I noticed on my credit reports, they have it listed as other SSN, along with my ex-husband's SNN.

I hope no one hauls me off to jail!

[color=red]Spam deleted - Mike[/color]

Again with the garble....someone seems to be having a good time!

Angel,
If that payday lender calls you again harping about fraud, tell him that you have a legal aid attorney working on this for you. That it was an honest mistake and that you are working with legal aid to get it cleared up. First off, he would have to prove that you had "intent" to fraud him. If you have been living your everyday life with the ssn, your utilities and such, I would say just get it straightened out at social security, continue to pay and tell him that the ssn issue is being addressed and that his added harrassment is not needed. At this time you will continue to deal with him on payments, but if he keeps badgering you he will have to deal with the attorney working your case, chances are he will tone it down. Just out of curiosity, who is the company, how much did you borrow and how much have you paid?