United Pay Services

It similar to pay day loan. All I got was $300 put directly into my bank account for an emergency back in september and now this khon artist is saying I have to pay $800 and that this includes all types of different fees. I am just afraid because I am currently out of work on disabality due to a back surgery and what can happen. But I am awaiting on a call from the collcetions agency.

To everyone who has a payday account past due...YOU WILL NOT BE ARRESTED and believe me, you will laugh at this situation one day. I have been threatened numerous times by these collectors. I went so far as to call the sheriff and ask if such a thing could happen. He said no. Even if you literally wrote a bad check, you cannot be arrested. The only way you could wind up arrested is if you are sued, you don't show or you fail to honor any judgement...something like that. Even that situation, he said, is rare. Most often they will just try to garnish your wages.

One of the best defenses though is to turn the tables on the lenders. Are payday loans allowed in your state and is the company you received the loan from licenced to lend in your state? If not, you just craft a letter to the payday company and file a complaint with the Attorney General. They will cease all collection activity pretty darn quick. I had 4 like that because I did not know Payday loans were illegal in my state.

they got me for my money...i didnt get a chance to even investigate them before i had western unioned 250 dollars i didnt even have to them. the state attorney in texas said they dont have a debt collectors bond and that no company by the name of united legal investigative bureau existed. i was threatened with jail, and when i told him he couldnt harass me he called me a bitch and told me he was sending the police to come arrest me here in florida. I explained to him that I wasnt trying to avoid paying the debt, however I needed some type of validity to prove this, he then gave me the case number for this issue, and told me that i needed to pay them 3 x's the amount i borrowed from VC lending. He gave me the same number 480-365-0155 to a roy campbell, and said it was too late for me to work out anythimg with the company because he was going to prosecute me. He called my job and told them I was going to be arrested within the next 2 hours. I had my lawyer call and he called him a punk a** m'fer. He then called me back and told me to send the damn money, i was already going to the western union and i was so scared i sent it anyway...now i dont know what to do...the texas state attorney office said i could file a complaint, and so did florida. but where is my money? western union says they cant give it back. HELP!!!

I was called today and told the police were ont here way to arrest me at work. I started crying. He said his name is officer Erik Newman badge # 348 with the United States Banking Investigation Bureau of Fraud. I had a pay day loan from arrowhead investments of $300.00. Thye have been taking money from my account until it was closed. I paid back way more than $300.00. Anyhow he scared me and told me I would lose my job. Does anyone know what to do or who to contact. My bankruptcy attorney said to tell them they are being recorded. I did not pay them and have contacted our local police department. I am so freaked out. Please if you have any information call me 858-513-8099. Thank you

Wow :shock: Thats wrong, they screwed up big time. What state do you live in? (let me know and I'll find out if you can record calls in your state without the other parties knowledge) I would suggest if you can record try to get that "officer" to repeat that threat. Here are the violations I've counted so far:
1. Threat of arrest/accusation of a crime (all debts are civil matters, not criminal, you cannot be arrested)
2. Impersonation of a federal agent (there is no such branch of the United States government called the US Banking Investigation Bureau of Fraud, that is such a stupid name anyway)
3. Impersonation of a officer (if the government agency he claims to work for is false, he's certainly not an officer)
4. Claiming that you will lose your job (you can't because of them)

Your attorney is correct, you should call the police. While your at it you should contact the attorney general's office for your state and theirs, which would be AZ

Also, while I was not able to find exact data on United Pay Services I was able to get a pretty good idea as to where they are located using whitepages.com's reverse phone directory. Here, take a look at this:

http://www.whitepages.com/search/ReversePhone?full_phone=4803650155&localtime=survey

The same thing happened to me this morning at work! The guy on the phone said his name was John, he told me if I did not pay $800 today for a $300 payday loan, which I paid $360 in fees to this company. I had to close my checking account to get them to stop deducting fees! The guy told me the police would be at my work at 2:00 to take me to jail and I would never see my children again and I would never be able to get a good job, that I would DIE in jail!!! Everytime I tried to talk he told me to SHUT UP!

I got the same call this past Saturday at my home only I was in the shower when they called and the jerk who called... his name was "Roy Campbell" had a thick Indian Accent by the way told my 8 year old daughter that her mommy was going to jail and she would never see me again that the police were on the way to arrest her mommy. I SNAPPED! They proceeded to call my home back to back over 10 times and everytime we hung up they called back. It is very hard not to let this get to you which is exactly what they want. I found myself getting very upset and crying. I was told that I had to keep the line connect and drive to the western union and make the payment using quick collect to a location in Florida. I was told that if I got disconnected or if the phone line/connection failed or dropped there was nothing he could do that the police would be at my door in two hours and I would be arrested. I was a wreck. I was trying to figure a way to drive to the western union and not have the phone die... when my husband came home and saw me crying on the floor and my daughter very upset and I told him what happened and when the person on the other end heard me talking to my husband he must have for some reason hung up. My husband told me we were not paying them anything unless I knew who they represented, how much the debt was, etc. I called back the number on my caller ID which was an area code in California not Florida and asked for this information and was told that I couldn't get it until I made the payment. I told them I would make the payment in about an hour and hung up. My husband suggested that I look online to find out more information on the number and I did and found these blogs. Thank God he came home because I would have made that payment and the harrassment would never stop. By the way... the loan was originally 300 and they wanted me to pay 775. I have contacted the AG in Florida and there is several complaints from this company. It was suggested to send a Cease and Desist letter which I have typed up and mail it certified but I am not able to find an address. I am waiting to hear from them again and I will tell them that I want a letter of debt validation and if they say no I will demand that they give me an address and state that I have a cease and desist letter and hang up if I get no where.

FIGHT THIS.... DO NOT SEND THEM MONEY! I KNOW IT IS SCARY BUT THEY CAN NOT HAVE YOU ARRESTED! I HAVE BEEN GUARANTEED THIS. WE NEED TO STICK TOGETHER AND BRING THESE JERKS DOWN.

sneeley, the last time I heard of a company making threats of taking a womans children away, she file suit against them, she got $1,000 in statutory damages and $146,000 in punitive damages.

You both should file complaints with your states Attorney General's office as well as the FTC.

I would love to do that! I'm going to look into it:) wish me luck! If I get a pile of money I will give you some of it:)

That is money you would receive under punitive damages, I couldn't accept it, it belongs to you. But thank you anyway, I really appreciate it.

I did a check on him he lives in Caladeras County. I have a recorder at my desk now and keep it there. I have the info on this guy. I am filing a complaint tomorrow. This guy scared the hek out of me. Almost caused a break down could not even breathe. What he is doing is illegal. Do not pay the money. Tell him that you are recording him. Kimberly

Hi Kimberly... I am the woman who left the message for you. I understand why you werent comfortable calling back. After what we have been through. Could you possibly give me whatever information you have so that I can process my legal action as well. I have a cease and desist letter written I just dont have any address to mail it.

I really appreciate your help.

Mrs. Kane, here is what one of our moderators found on them:

APPLICATION FOR REGISTRATION OF FICTITIOUS NAME
DOCUMENT# G061 59900283
Fictitious Name to be Registered: THE UNITED PAY SERVICES
Mailing Address of Business: 4494 SOUTHSIDE BLVD.
SUITE 203
JACKSONVILLE, FL 32216
Florida County of principal place of business: DUVAL FILED
Jun 08, 2006
FEI Number: Secretary of State
Owner(s) of Fictitious Name:
TUPS CORP
4494 SOUTHSIDE BLVD., SUITE #203
JACKSONVILLE, FL 32216
Florida Registration Number: P02000021097
FEI Number: 22-3443840
I (we) the undersigned, being the sole (all the) party(ies) owning interest in the above fictitious name, certify that the information indicated on this form is true and accurate. I (we) understand that the electronic signature(s) below shall have the same legal effect as if made under oath.
PIYUSH PATEL 06/08/2006
Electronic Signature(s) Date
Certificate of Status Requested (X) Certified Copy Requested (

Copy of info from licensing agency.
Licensee Name: TUPS CORP
License Type: CCA
Status: Active
Audit: CCA 0700652
Reg. License ID: LI00000634377
Initial Effective Date: June 13, 2006
Expiration Date: December 31, 2007
Disciplinary Action Indicator: None
Branch
Number:
000000
Business
Address:
899 W AMERICAN EAGLE DR
ST AUGUSTINE
32092
Phone
Number:
(904) 685-5008
E-Mail
Address:
support(at)tupscorp.net
Mailing
Address:
899 W AMERICAN EAGLE DR
ST AUGUSTINE FL
32092

--Then he yelled "did i give you permission to make demands?" "You can't do anything unless I tell you to". I was shocked. He said I had to pay $800 for a $300 loan outstanding or I'll get arrested today. Then he put me on hold while I did Western Union transaction online. Checking back every 2 minutes asking "are you done" I was terrified of this man. I asked to speak to someone else since all he did was yell at me but he said "do you think I want to talk to you? I just want you in jail" I made $400 payment today--

Too funny. I love collectors who know how to punk deadbeats.

Thank you so much for the info. Can you please clarify which address is the address I should send the cease and desist letter... the address in Jacksonville, FL or the address in St. Augustine, FL? What happens if the refuse to sign for the certified letter. I read somewhere (I have been all over the internet these days doing research) that if you mail it certified with return confirmation requested that even if they don't accept of sign for it that will serve the same as if they did... is that correct?

I really want to see that these criminals are stopped. My 8 yr. old daughter is still affected by this... if the phone rings or someone knocks on our door she will panic and beg us not to answer because she is so afraid that I will go to jail like this jerk said and she will never see me again. How can people be so cruel to anyone.

I just want them to be stopped.

:shock: They told your daughter you would be going to jail?!

Yes... they absolutely did... they told my daughter when she answered the phone. She told them that I wasnt available (I was in the shower)and I guess they didnt believe her and they proceeded to tell her to say goodbye to her mommy because she was going to jail and she would never see me again... she still asks and worries about what they said. There has to be some law about that... my daughter is only 8 years old. There has to be something I can do about that.

Mrs. Kane, it's time for the gloves to come off. It's one thing to threaten you but threatening your daughter is WAY over the freaking line! I've given you the contact information so you have the information needed to locate them. I would strongly suggest getting a attorney (you can try naca.net) and take them for everything they are worth. You may wish to have your daughter testify to what she was told to lend the case that much more credibility (and up the punitive damages significantly)

Mrs. Kane, I do believe this company's over the top/illegal collection practices just let you win the fdcpa lottery. They will probably want to settle out of court, I would suggest taking it all the way because it needs to become public knowledge. Also you should file complaints with the Attorney General for your state as well as theirs and the Federal Trade Commission.

If you have any further questions feel free to ask.

JCEMT... Thank you so much for your help. I am not one to go for monetary gain but you are right... wrong is wrong. And they were wrong. I am going to look into this and let everyone on the forum what happened.

Thank you again. You have been a great help.

Your very welcome Mrs. Kane, I'm glad we could be of help to you.

I mailed out my Cease and Desist letter yesterday to the address you provided me in Jacksonville Flordia... certified of course AND with return receipt request. So know we wait and see what the response or no response with be.

Thanks again and I will be in touch!

I dont know what to do go a threating call today saying that if i dont pay $1550 today on a $390 payday loan that i will be arrested at home or work will this happen do i pay them anything

If you can record them saying that (let me know what state you live in so I can look up if you can record without their knowledge in your state first) then they may have given you $1,000. Threatening arrest or accusing a person of a crime for a debt violates the Fair Debt Collection Practices Act. Debts are civil matters, not criminal. They cannot charge you with a crime nor can they have you arrested and threatening you with said action is a violation of federal law.

I'm in texas. do i pay it tomorrow or not i'm scared of them coming to arrest me!!!!

i'm in texas. they said that there was a officer from my town's police department on the phone with them is that true. do i pay them tomorrow or do i wait? i can't afford to be arrested.

i'm in texas! that guy scared the mess out of me!!!! I don't see how they can make me pay that much over what i owe!

I live in Texas. Are you sure they can't arrest me? I'm scared he scared me! Do I go and pay they amount tomorrow or not.

They can't arrest you, threatening to do so was illegal. In the state of Texas only 1 party involved in the conversation need be aware it is being recorded. That would be you.
Tape your next call with them and talk to them about the alternatives of being arrested (which is a load of crap, but this is baiting them) ask them other questions like what kind of crime you committed, how long the sentence will be, etc. Get them to dig as big a hole as possible and use that tape as evidence to sue the pants off them.

they already told me that i commited banking fraud and that i would go to jail for 7 years and that they could take my house and car to pay what i owe. i contacted the company i had the loan with and i'm pay the 390 i owe to them and not the 1550 to united. they made me write and fax a letter to them saying when i was going to pay and if i didn't they could take legal action what do i need to do about that?

Just pay back what you owe, you didn't have to write any letter, it sounds like a scare tactic or something. See if you can't record United Pay Services on that threat and get the $1,000 in statutory damages + punitive damages you have coming to you for their willful disregard for federal law and your rights.

i just got another call from them i let them leave a message on my cell he said this time that he was from United States Legal Investigation Bureau and that if i didn't pay he was going to send my info to my city investagtion Bureau. i did fax that letter yesterday because i was scared to death and didn't know what to do can they do anything with that since i'm not sending any money to them? Thanks for all of your help!

save that voice mail, there is your proof, they just violated federal law by posing as a federal agent.

Debbingham: I am in Texas as well and everything JCEMT has been saying is correct..they broke the law by telling you these things. They do this to scare you into paying...and see, it works. It is illegal for them to do this to you. You really need to nail them for this illegal action. Call them, tape the call and get them to repeat everything....tell them you don't think you can goto jail and they will hang themselves...you can sue them for money.

Also don't pay them one red cent. DV them. Was this an internet payday loan? many of them are illegal and other then the initial money lent, can't get anything over that...heck, some of them are so illegal they can't even force you to pay back what you borrowed, but you should at least pay back what you borrowed. But make that CA validate the debt. Research and see if your payday loan is even legal.

thanks everyone for all of your help. So i have to message that they left me this morning, where do i need to go with this? do i need to do for there illegal actions? Record them telling me that i'm going to jail and then what? I have contacted the original payday loan company and i'm paying them the money. they also wanted all of United Pay Services info because they have never heard of them and did not give them my info.

Really? That's interesting. I'm wondering if they were hired through the bank that the loan came from or if they have a parent company or if another CA farmed it out to them. Makes me wonder...

But anyway, keep the recording, if you can make them dig themselves deeper go for it. I think you may already have enough on that recording though. I would suggest seeking legal council at this point, you can start shopping around for an attorney at naca.net

Dear JCEMT,
If you remember you gave me some wonderful advice a few weeks back regarding my situation with United Pay Services.

My question is regarding the Cease & Desist letter that I sent certified to the address you were kind enough to supply. The only thing that concerns me is that to date I have not received receipt confirmation that the letter was delivered. I have not received anything indicating that the letter was undeliverable. What does this mean for me? Shouldn't I have gotten back the letter indicating that it was not able to be delivered or refused or something?

What advice do you have regarding this?

Thank you again.

Mrs. Kane

It can take a while for those to be delivered if there is are failed attempts.

this is a collection agency?arrest?for a civil matter?any collection agency is a third party intervener .. if they do not have a contract that they can produce ... it is FRAUD.... GET THAT FOLKS... i have wiped the floor with these collection agencys... and it real simple folks.....

yes it is and they are bad! Scared they u know what out of me! I have talked to a lawyer but they can't help me because they can't locate them any where! These people are really bad! I'm going to keep the voice mails they leave me and hopefully i can do something to these people before they get to someone else!

do you have any phone numbers for them?

:shock:

Just did some searching on ripoffreport.com
Some guy got info from them in regards to a western union transfer, the state they are in is Florida, I think it might be Bass and Associates.

This may help shed some light on the subject:


Fictitious Name Detail
Fictitious Name
THE UNITED PAY SERVICES
Filing Information
Document Number G06159900283
Status ACTIVE
Filed Date 06/08/2006
Expiration Date 12/31/2011
Current Owners 1
County DUVAL
Total Pages 1
Events Filed NONE
FEI Number NONE
Mailing Address
4494 SOUTHSIDE BLVD.
SUITE 203
JACKSONVILLE, FL 32216
Owner Information
TUPS CORP
4494 SOUTHSIDE BLVD., SUITE # 203
JACKSONVILLE, FL 32216
FEI Number: 22-3443840
Document Number: P02000021097
Document Images

the phone # i got from them was 216-920-0511 & 0510

I receive a call from them as well on 3.3.2008 with all the same threats. i sent $500.00 that same day. the phone # they are caliing me from is 216.920.0512. and they calld me back wed 3.5.2008 saying in need to pay $750.00 by next friday of go to jail. they called me at 6:00 am... im in california i know that not legal for a collector to call that early.

I don't know how these people get away with what they r doing?! i'm not paying them one cent! expecially when I only owe $390 and they want $1550 they are crazy and the loan is only 4 months past due!

so is it really legal for them to do this? are they relly able to arrest us for pay day loan where they want us to pay 3X the loan amount?

No one can arrest you for not paying a pay day loan. You can not and will not go to jail for not paying apay day loan. This counntry did away with debtors prisons a very long time ago.It is an illegal scare tatcic that they use to scare you into paying them what ever they ask for.

JCEMT. That address you posted seems familiar to me. I know exactly where Southside Blvd is, here in Jax. It seems to me I've seen another CA with a Southside Blvd. address in these forums before. Maybe Bass?

I'm pretty sure you're right, I think it's the Bass-holes!

The strange thing is the area code 216 is an Ohio area code. So, I'm confused.

It could be spoofed as well.