Ellis Crosby And Associates

My husband hab a payday loan and they screwed up our account trying to take out more than they were suppose to so I stopped the payment and changed my account. They ahve called several times and threatend us with internet fraud. But I am ahead of them and have the conversation recorded. How do we file a suit against them and what kind would we file?

i have great news for all of us! last night summer saladino called me from her cell, they are very excited to tell me that they are filing a suit and a petition to shut them down! everyone check the myfloridalegal.com website at 1pm today!
yes, all of our complaining helped us out!
stick together like glue and see who falls apart first ellis!
:p

I also went through the same thing on 8/23. I received a call from ellis crosby & assoc and was told if I didn't have a payment of 1,000.00 for my payday loans wire to them by 3:00 I would be arrested for fraud and better get myself a good lawyer. I received this call at work and was so emotionally panic stricken thought I was going to have a breakdown. at that point, I left work to borrow money to have this paid off. I had every intention of paying back my loans, but when you end up paying three times as much something needs to be done. At least I know I am not alone in this

No need to worry they will be shut down soon, and they will be no more.
Just sleep with peace now

Ellis Crosby called yesterday, threatening me and threatening to sue my company. This was the first time they have called. The first thing he said was "do you want to talk about it now or would you rather talk about it downtown?" After I hung up with him, I searched for information on his company and found this site. So I faxed over a request for debt validation last night and also requested that they do not contact me at work and he called again today. What do I do? I'm afraid he will call my boss.

Hi lovestulips

Please do not worry about this call. Ellis Crosby will be shut down very soon as they have class action lawsuit filed against them.

Im so happy!

How quickly do you think they will be shut down? And then what do we do about paying?

I think that I will wait for some more time and ascertain the right person to whom I will pay my debt. My money should go to my debt account which is my prime concern.

Should we call anyone to find out the procedure we should Follow?

Please read this page to have a better idea about the latest proceedings. Also you can contact the Attorney General office and clarify your doubts.

http://forums.debtcc.com/forums/elliscrosbynews.html

To the lady filing the lawsuit who works at a firm. It must suck to work at a law firm and have to obtain us currancy in an illegal manor. Oh by that I mean not paying it back. Let me paint a picture. You go into walmart get that bottle of summers eve you know you need and pay for it and walk out.. You get to the parking lot and you take your nice cell phone (b/c you work for an att)and you stop action or withdrawl your money...what would that be considered at that point?? Now you got a loan, you didnt meet the agreement and pay it back on time, money was deducted to keep your loan active, you see money taken out so you close the account or it gets closed due to overdrafts, Now you know the money wasnt payed back, they dont take it out in increments.. And you just put it to the back of your mind and let it fade away...sometimes you need to be more responsible and make sure you have the money in your account the date its suppose to be taken out and we wouldnt have these problems

LEST'S ALL WORK ON THIS AND BAND TOGETHER TO FILE A ((((CLASS ACTION LAWSUIT)))) AGAINST David Ellis & Associates. I AM GOING TO CONTACT AN ATTORNEY AND SEE IF THAT IS AN OPTION. ANYONE WHO READS THIS PLEASE DO THE SAME!!!!!!!! Read below.

I too received a threatening call from Ellis & Associates. The person I spoke with, David Wakefield, said he was going to send someone come to my place of employment and have them identify me to make sure I was who I said I was. He also said that US Bank & Trust had filed fraud charges against me for committing fraud. I cannot locate the bank on the internet. I was treated like a criminal and I am not! David Wakefield could have jeopordized my job. I was frantic and missed a very important meeting because I was too shook up to talk. I had to tell me boss I had an emergency phone call and leave the office. First of all, these "loan shark internet pay advance places" verify employment and who we say we are. They prey on desperate people and we bite because we needed to survive. What normal law abiding citezen would ever get a loan with 500% or more interest charges if they were not desperate? They ought to be outlawed from doing loans on the net!
David Wakefield also said that Federal Bank & Savings filed a fraud charge against me. I had to use a co-workers cell pohone to call him back because I thouught I was headed to jail if I didn't. He then called me back on her cell phone, which was not authorized by her or myself. He had my home phone number, but told me he would not wait to talk to me from my home. THESE PEOPLE MUST BE STOPPED. I am going to file a complaint against them on the BBB site (if I can fine out more information), and also find out what I can do about their ILLEGLE CREDIT PRACTICES., It clearly states in the consumer credit laws that they are NOT TO THREATEN OR HARRASS customers. I was definitely harrased and it sounds like many others are too. Maybe I now have a lawsuit against them?

ellis crosby was on the local news in jacksonville fl
did anyone see it?

are you kidding me?!?!?! omg im going to look this up

thats the jerk i talked to as well! he should be fired! he made me cry and then told me to shape up now or else!
please file a complaint with myfloridalegal.com

[color=red][size=2][Link made inactive. Please copy and paste the site address in your browser.Mike][/size][/color]

what station was the report on they should have a website

Does anyone know the #1-800-637-3129?

No but i can call and find out ... Ok i just called and its some kind of pager number. It could be them in disquse.

perhaps I wrote the # down wrong? Thanks for your help. Can anyone tell me the contact info for plaza processing?

Have these loan co's been working with you on it? Have you told them that Ellis and Crosby is being shut down?
What is their responses

I did try to contact FSM and no response. I am paying the debt due in full and have had no calls thus far from EC. They have actually been decent to me and I just want this paid and to be done. Summer told me that I could continue my payment arrangement if I was not feeling threatened.I just want to pay a loan w/ plaza that is not in default and can't find their info.

I am a legal assistant and have just spoken to a so called attorney at this firm. I work for bankruptcy attorneys and this firm just scared one of our clients almost to the point of a heart attack. I think they are SCUM, please contact your attorney if you tyhink they are treating you worngly becuase, IMHO, they probably are!

ELLIS CROSBY WAS ON THE LOCAL NEWS HERES THE SIGHT
fox30online.com/news/local/story.aspx?content_id=39E206DA-B00E-4721-A6D0-371DDDA28228

[color=red][size=2][Link made inactive as per forum rules. Please copy and paste it in your browser-Mike][/size][/color]

I received the same type of calls at my job, and was told that they were a law office and they were just contacting me to let me know that I was having papers filed against me at 2:30pm, and I owed $515. I never heard from the company and didn't have a number to contact them, only through fax. Then I received this call. I looked them up on the BBB website and they have unsatisfactory rating, they are not BBB member. And they have a lot of complaints against them for , Harsh and abusive collection pratices including the imperonation of law enforcement or court officials, the threat of immediate arrest and failure to provide written documents concerning debts when requested.

Ellis Crosby's office called me threating to send my case to the local court system if I did not pay them by 12. They also told me that i would be charged with a felony because i had received the money and when they tryed to collect all the funds were not there. I borrowed the money and paid them including an extra $200 added to the balance. Should I have paid them? They said that they made several attempts to contact me at home and at work including sending 2 certified letters which i never received. I'm not sure I did the right thing in paying them so much. What do u think?

Did they tell you they sent you the certifieds?
Because i work at a LAW OFFICE and if they sent it to you then FOR SURE you will get it!
They are so full of it!
Dont pay they will pocket the money, wait until the case is settled

they told me that they sent me 2 certified letters and that they were returned to them. i already paid them because i didnt want a felony on my record. i guess i should of come to this site before believeing all that they told me

Tell them to fax it to you, or better yet just tell them to screw it!
Check my complaint out on myfloridalegal.com
go to the bottom of the paper and click there im number 31!
These people MUST BE STUPID!

You know im thinking of calling and seeing how they treat me! LOL
Maybe i can make another complaint!

check out page 24 of the legal procedings that went to the court! it says we might get our money back!
might take a year ! hopefully they wont fight it and just pay up

Katie,
How do you see your complaint?

Go to myfloridalegal.com, and type in Ellis Crosby and Associates and click the second link, at the bottom of that page it has an ADOBE FILE that is the legal papers. Its after page 8 or so...

While I don't agree with everything these collection companies do, I really don't agree with the fact anyone should get their money back. Just to clarify this:

You took out a loan after reading the TERMS and CONDITONS. You completed the application and any related paperwork which legally binds you to the contract. You didn't abide by the TERMS and CONDITIONS of the contract and DEFAULTED on the loan. You were assessed penalties and fees which are stated in the contract which you agreed to. You paid what you were LEGALLY obligated to pay since YOU defaulted on the loan. You now want your money back.

Yes, that makes perfect sense to me. Had you PAID the load back or never taken the load out in the first place, you wouldn't even be here talking about this. If you were unaware of what TERMS and CONDITIONS the contract clearly laid out, then maybe you should have taken the time to read it better since ignorance is no excuse.

It amazes me how many people accuse these companies of criminal action but how many of the accusers commit criminal actions themselves. Some people that post here have admitted to defaulting on several loans, almost like they are habitual offenders. Some people are in the situation because when they took out the loan, it was electronically deposited in their checking account, but the debtor CLOSED the checking account shortly after. While I can not quote it word for word, if you read the TERMS and CONDITIONS of the loan, you must maintain your checking account. This is basically writing a bad check. So before the pot calls the kettle black, think about what you have done.

While yes, there ARE collectors who cross the line of being legal, it's amazing how many debtors strech the truth or just don't listen. For example:

Collector says: Does your employer know that you used your computer during business hours to obtain this loan and then defaulted on it?

The debtor then tells everyone that a collector called threatening to tell my employer.

"Legally processed" doesn't equate to "We are having you arrested"

"Investigator" doesn't equate to "Law enforcement", "Police", etc.

The list could go on and on... My point is too many people aren't taking personal responsibility for their OWN actions. Just because you haven't properly read a contract OR you don't understand EXACTLY what someone is telling you, it doesn't make someone else wrong. Collection companies are doing a job. A job that has the terms and conditons that are negotiated with the LOAN company. A job that we wouldn't even be discussing had YOU not defaulted on the loan. So your frustation and anger in MANY cases is misdirected. It should be directed at yourself and the loan companies.

Before anyone ASSUMES anything... No, I dont work for a collection agency, loan agency, any related industry, nor have I ever.

I worked with these folks to repay a loan that I defaulted on due to bank error and they ended up being extremley courteous to me. I knew I had a debt and it needed to be repayed. I made arrangements to do so in a timley manner and they were helpful and did not have any problems diclosing the terms of this debt with me. It has taught me a lesson- that I will never take one of these loans out again, and that being proactive about repaying a debt makes the whole experience much easier. I appreciate all the information in these forums, and feel bad for those who have been treated in a less than professional manner. I just felt that I needed to mention that I did have a positive and professional exchange with this company.I am glad to have the whole experience over with. Best to all of you.

you crazy people have borrowed this money and have not returned a dime what do you expect the payday companies to do about money not being returned. they must to take messures to get it back. you all are thieves and you will be delt with. if not by the courts then by the Lord Jesus Christ. Because that my friend is what you call stealing. I pretty sure that I have spoken to some of you people on this site. But who cares if you will pay an attn to lie for you and to get you out of trouble. What do you people think these payday comp. will do hire someone to make you pay for stealing their money. all these closed acct. that you people have come on here. think like a real thief and go rob a bank in broad daylight and stop using this computer that is what got you stuck ecrosby any way. stay off the web.

I agree with guest. You need to repay these things according to the terms, and if you default, than take responsibility for it and pay it back. I did, and I can sleep at night. It was my mistake to default and I took responsibility for it. I don't think I deserve money I paid on a debt I owed and paid to be returned to me. It was paid to the people ho I oed it to and now we can both move on.

I never said i was not willing to pay back the money, but when they are using illegal tatics to do so, thats when they cross the line!
I will pay some place who is honest and willing to at least GIVE ME A CHANCE, and Ellis Crosby did not give me a chance.

No its not stealing if you are willing to pay it back.
But not to Ellis and Crosby, to someone i know will PAY MY DEBT and not POCKET my cash!

AND BTW, I DID PAY YOUR STUPID COMPANY!

I received a call a in Jne with the same threats. They said I owed ove 900.00 and need to pay or go to jail. I freaked out and called a friend, borrowed $400.oo left work and sent it to. I get a call Friday and the tell me I still owe 945.00 even after I paid them 400.00 and if I didn't pay I was going to be arrested. I didn't have it so Miss Shaw let me pay 100.00, then 300.00 or the balance of 845.00 today. I see this forum and I still am unsure of what to do.

I was willing to pay my loan back, but eca never attempted to contact me until they said i had 2 hours to pay my debt with was $200 more than what I owed. They said they sent out certified letters to my address which they did not, they said they called my work and left messages which they did not. I was willing to pay my debt and I did but they didnt have to threaten me with throwing me in jail. I have always payed my debts. So you need to get your facts straight before u start calling people thieves. You want to bring the Lord in this, he didnt give u the power to make yourself better than everyone else and to call anyone a thieve or anything else

Folks:

After reading that news article and the harrassment that you have all been through I think you all deserve to be paid something for you troubles. Let's face it....Big Business always seems to get away with things all te time and its the little people that struggle each day to make ends meat and then Big Business wants to take even more away from you. I hope you guys win the case. It would be nice to see things change for the little guys for once. I just have a funny feeling that what could hurt your chances of winning a settlement is if Ellis Crosby files for Bankruptcy. To be honest with you, I'm not sure what company you took out the loan with but the charges they must have charged you are ridiculous. It should be the loan companies to blame not the borrower. If these loan companies chose to do business with Ellis Crosby then they should suffer and not be compensated either by the borrower. It's time Big Business should suffer. If I were in any of your shoes i probably would take any form of settlement won (if it happened) and most likely not even pay the loan company to make them and Ellis Crosby learn a lesson.

Yes pzblake, you are right. The borrowers were all helpless lemmings who didn't know the terms of the loan and followed each other right off the cliff. Where does the insanity of sueing people because of your OWN mistakes stop?

Are you going to sue your mortgage lender when you fall behind on the payments and they threaten forclosure on your property? Maybe you need to spill some hot coffee in your lap... Then you can sue SOMEONE because it was hot. Maybe even down to the guy who picked the beans. Maybe I should sue because someone accused me of working for a collection agency. With all the STUPID lawsuits, who do you think wins in the end? Lawyers and Insurance companies, NOT the consumer.

It's not time BIG business suffers, it is time to take PERSONAL RESPONSIBILITY for YOUR ACTIONS. Quit blaming others for the situation you have put yourself into.

If a collection agency crosses the line, they should be penalized, fined, whatever. The state should get the money to help regulate the industry better. The debtor shouldn't get a dime. They knew the terms of the loan. Had they either not taken it out, or upheld their obligations, collection agencies wouldn't exist. PERIOD.

Guest.........We all know one collection company that will never exist again. They are a joke.

And i wonder why he is so worried about our problems?

I dont know who this "guest" person is, he/she is completely out of line. Consumers such as ourselves are falling victim to what is being called "predatory lending" by taking a short term loan with outrageous interests rates to get us out of a temporary finanical hardship. This short term loan then turns into hundreds if not thousands of dollars if we end up refinancing the loan before paying down or even paying it off. Granted, we chose to take the loan and agreed to the terms and conditions,and most of us have paid on them, however you have to remember some of us were desperate and in a financial bind, shouldnt have the loan company evaluted our ability to repay the loan based on their overall finanical situation and not just a paycheck before they agreed to give out the money? We have other finanical obligations you know, mortages, auto payments, utilities, electricity, but none of these are taken into consideration when a payday loan company gives a financially strapped consumer money. Therefore when the consumer starts to fall behind on paying their mortgage or car payments, you wonder why the consumer goes into default? Inability to pay is not a refusal to pay!

It is the abusive and dishonest practices such as Ellis Crosby & Associates as to why we are here. GUEST, in case you have not noticed, this forum is for consumers with valid complaints regarding illegal and abusive collection practices. This forum is designed to help and inform consumers. It is not here for your personal oppositions.

Granted, we chose to take the loan and agreed to the terms and conditions,and most of us have paid on them, however you have to remember some of us were desperate and in a financial bind, shouldnt have the loan company evaluted our ability to repay the loan based on their overall finanical situation and not just a paycheck before they agreed to give out the money? <~~~ Tracy........That is the most idiotic statement ever made. Yes indeed you obtained the loan, now is it their fault you fell into the troubles you did. Their job is to lend you money not question your integrity to pay it back on time...your an adult dealing w/finacial lendors. They will get the money one way or another... They could care less about your problems, You broke their contract..Better luck next time...

i have receieved yet again another phone call from a jay bernstein...message was left on my voice mail at work...i am waiting for some papers to fill out and send back to the florida atty's general office regarding the harrassment, the threats and whatever goes along with it....should i return their call or wait for them to call be again....do i inform that i am filing a suit for harrassment, etc...any info anyone can give will certainly be appreciated..loans have most likely been paid off by now...have already sent money but it keeps going up...

I would cal them and tell them that YOU KNOW what is going on!
Im going to wait until i know im paying someone who is honest too and not give them money to pocket

IPAYMYBILLS, I apologize if I gave you the impression that I believe it is the payday lenders fault that I defaulted. My point, no matter how idiodic you think it is, is the reason why consumer protection agencies are fighting to get tougher laws to regulate the payday lending industry.

As far as breaking a contract, I didnt even know that I had an outstanding balance until I got a nasty call from Ellis Crosby & Associates. The payday lender never once tried to contact me about an outstanding balance. As far as my bank statements showed, I was paid in full. I am still trying to get them to validate the amount they say I still owe.

Nevertheless, is it too hard for you to keep your personal remarks to yourself? We are all consumers here working with each other to try to find answers and help each other get back on track. Your personal remarks arent doing anyone any good here.