Phone Calls from Ellis Crosby

Hi ckhenry
Welcome to the debt consolidation care forums

Ellis Crosby is under a suspension and it will continue for a period of 90 days starting from 01.06.2005. During this period the collection agency cannot make any sort calls to the customers.In addition they should restrain them from harassing the customers and threatening them.

You should immediately report this to FTC and lodge a complain against them.Further you should also report this to the local police station. You should also register your phone number in the National Do Not Call Registry.This will restrict Ellis Crosby from harassing you.
Hope you will find this information useful

Regards
Peter

Actually, they were expelled from the ACA for their practices. And they should definately be reported!!!

I am quite glad I found this forum. I tried to reach FSM processing over one missed payment and they told me I was with Ellis Crosby. I had been on the internet all weekend and found you folks thank god! I called Ellis myself and spoke to a Ms. Ward who said I was in their system and she couldn't give me any info yet since I hadn't downloaded(?). I then told her that I was anxious to repay my debt however expected that it be validated in writing. She gave me a hard time and I told her I knew of their suspension from the ACA and I rattled off my fdcpa right and she was very pleasant again. I faxed them a letter stating each and everyone of my rights and I also mentioned Ms. Saldano and that I had contacted her in reference to them. I also sent the letter certified mail and return reciept. I hope this does some good! I asked them not to contact me again until they sent a debt validation. Do you think I'll hear from them again?

I never sent them ANYTHING, and I havent' heard from them in two weeks! I don't know what their deal is...But I don't think the thing with ACA stops them from being able to call or collect debt...again, it's like getting kicked out of Girl Scouts or something, ACA is only an organization, much like the BBB that monitors these companies...If a company wishes to stay a member of this organization they should abide by that organizations standards. Ellis (obviously) wasn't abiding by those standards which led to their suspension and eventual expulsion from ACA. Your best bet is to file a complaint with the Florida State Attorney General's office, as they are compiling all of our complaints, and will be able to actually do something if enough of us protest this treatment. In the meantime, Ellis is free to collect, however they SHOULD NOT be doing so in the manner they are, so if they call you...USE YOUR RIGHTS!!!!

Do you think I'll hear from them after writing such a strong letter? I was pretty clear. I'd like to cut and paste into the forum but I am having some trouble doing so . I asked them in writing not to contact me again until they have validated the debt. Do you think they'll attempt to contact me or leave it alone. I Want to repay my debt, and I do not question it's validity, but I am not getting screwed and not paying a dime until this is validated and I won't expect a call from them either.Thanks!

After exercising our legal rights, even if Ellis Crosby calls anyone of us back again, then they might have to fulfill our same needs authorized by the Fair Debt Collection Practices Act.

Do you think sending a letter before the abuse begins might stop it from ever happening at all?

Hi theswims03

If you realize that your accounts are in the collection agency, you can ask for validation since you are willing to pay the debt.

If they can provide all the necessary information about the accounts, then there is no point of objection. They must include the following information about the said account.

• The details of the account.
  
  
• All the calculation should be shown of the amount that is owed.
  
  
• Any copies of the papers to be furnished that shows the payment agreement.
  
  
• Provide a verification or copy of any judgment if applicable
  
  
• The original creditor needs to be identified.
  
  
• The Statute of Limitation needs to be proven for the collection of the debt.
  
  
• The license of the collection agency applicable in the state is to be furnished along with the license numbers and Registered Agent
  
  
• Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.
  
  
• Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
  
  
• A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.
  

I did let them know that I would only speak with them upon reciept of debt verification. That is my legal right, correct?

Yes, as per the fdcpa law, the collection agencies are required to send complete proof of the accounts before you make any payment arrangements with them.

If they fail to validate your debt, you have your legal right to refuse any payment and also get it removed from your credit report.

Regards
Roxette

Do you think they will contact me after I sent them a letter and faxed that stated all of my rights under the fdcpa and my intention to file complaints and sue if those rights are violated? This is a valid debt, and I want to pay it off- I dfo not however want to get screwed. Because they are the owners of the debt now, how do I approach this? Or if they refuse to validate it then does that mean I don't repay it and it gets written off? I will work with them if they will work with me.If they don't call or write what will I do then?

theswims03,

I appreciate that you are taking it as your responsibility to clear off the past debt. You will start paying it only when you are satisfied with the accounts that have been depicted by them.

For the time being, Ellis Crosby is undergoing legal surveillance and they are involved in unfair trade practices. I fear that even if you pay them, it might not go towards your debt.

So, I will suggest you to stay calm for the time being as we are waiting for state attorney general of Florida and other bureaus to take some legal action in the interest of the consumers.

Regards
Roxette

I contacted them, they have not contacted me first so I sent them the letter stating my rights and my intention to report them to the fullest extent if they violated any of those rights, and request for debt validation an d also a sincere hope to repay my debt fairly and legally. Thought I could beat them at their own game and prevent them from calling all together. What do you think. Would it be futile to send them a cease and disist letter asking them to refrain from contacting me by phone and to only contact me by US mail? Or should I ait and see since they have not called me? Help!

Let's see how they react to your letter. You have made a good move.

Did you send your letter through certified mail with 'return receipt requested'?

Regards
Roxette

yes I did. I also e-mailed and faxed. My attorney feels a cease and disist would be a good premptive move, as long as I specify that I am willing to pay the debt and will do so willingly by us mail? What do you think?I'm sick to my stomach expecting a call? Would you think the letter would deter them from calling?

Hi miswim,

Those who will be reading your posts in this forum will find it to be a very useful piece of information.

You are motivating others in the community on how to deal with the debt related problems on urgent situations.

Sending a cease and desist letter will not hurt your position in anyway. I also support it along with your attorney.

Regards
Roxette

I will do so tomorrow. If I don't hear anything by phone in the next couple days, I think I will be feeling better. I am hoping I might actually get a letter stating my debt and maybe these people will be willing to work with a person who is well educated but also willing to make restitution for a debt. Thanks for the support. Do you think they will bother with me? Also I contacted John Fay at bhr to see if they could negotiate with them for me. Has anyone had good luck with them?

I anticipate that you will solve all your debt related problems with ease. Best of Luck!

Do you know anythinhg about BHR? Are they reputable?

BHR and associates are the partners of this company and they have a very good reputation in the market in debt consolidation

You can register yourself in this website at the sign up page and you will be referred to a good company working in your area.

Following is the information of BHR and associates:

Berglas, Hill, Ryan & Associates, Inc.
5405 Alton Parkway, Suite 5A-313
Irvine, California 92604

Regards
Roxette

Do you think faxing my cease and disist will hold them off as well until they recieve it?

It worked for me! They know the odds are stacked against them, so I'd say go for it!

I actually called today, Mr Greenburg was extremely pleasant. He said they were taken aback by my letters and they couldn't understand why I would think they were going to be abusive.I told him that I expected him to validate my debt in writing, that I was willing to work with them but quite frankly let them know that I was an intelligent person, willing to repay this , and I expected that I would be treated with understanding and dignity. I also told him I would be extremley concientious if any of my rights were violated. He even broke down the amount owed item by item and was not at all rude when I requested a payment arrangement. So it goes to show that when you excercise your rights you will be treated fairly!

Well then, it seems Ellis may have come to their senses! Or are trying to clean up their act!
theswim, that is great that they were kind to you and that you were able to make an agreement...I hope that they continue to be cordial and work with you successfully!

I actually think that it pissed him off a little bit that I knew what I was talking about. I asked why he did not confirm reciept of my initial payment and he said he was, but by mail as I requested he not contact me by phone. I said that would be fine and we could speak by phone only when I contacted them.I had a 2 other loans, neither of which were in default that I have made plans to pay in full on the due dates. Never ever again will I do a payday loan!

Seeing the affects of payday loans, I realize that it is not less than a drug. The consequences are brutal.

Ben, I agree. I had so many sleepless nights worrying about this company. I know I don't have to worry any more!I am glad I was able to deal with them calmly and responsibly.

does anyone kno the address for Plaza Processing?

Can you please tell us something about the agency 'Plaza Processing?' Is it a collection agency or a credit company?

My search will be more accurate if I can have some specific details.

It processes payday loan payments. I believe I have a small balance not yet in collections and I'd like to contact them to pay in full. Thanks!

I will search for the required information and inform you ASAP.

Thanks so much!

ellis and crosby is being sued by the attorney general of florida today! they are very excited to let everyone know, we need not worry about being harrased! now maybe we can finally pay someone who is honest!

Katie where is the article on this web page? I looked for it and could not locate it. Thanks.

It will not be on there until 1pm TEXAS time.

Thanks. How did you find this out? I have a payment arrangement that seems to be going okay. Should I continue to pay it. I have had not one call from them since I sent a cease and desist letter and debt validation. I have made one payment, should I stop?

It will be better to wait for some time before we make any payment. We will have the legal guidance.

She called me last night

It is tremendous that you folks are there for all of us and thank you!

finally we have justice! summer thank you so much for all of your help as i hope you will continue to be such a great asset to the attorney generals office!!!!
kudos to all of them!!!!!

Yes Katie, we now have to assure the community in this forum that they need not to panic anymore regarding Ellis Crosby phone calls and pay their debt to someone who is honest enough.

I am trying to contact plaza processing to pay off my loan. they have been debiting my account for months and I have not received a renewal notice or email or anything. Every 2 weeks like clock work they take $90.00. But have sent no info for me to stop this madness

I tried to find out the number of plaza processing. I have got this number though I am not sure if this is the company that you are looking for.

(212) 947-7233 370 7th Ave New York

You can ask the credit bureau to provide the address details of the said company by which you will be able to contact them.

If this particular company is debiting your accounts, you can close this account and open a new one. Doing this, it will prevent further debits.

If I close the account won't they turn me over to collections or start calling my work and references? Counld'nt I put a stop payment for further debits?

The plaza you have listed is plaza associates and they are a collection company. They do not debit accounts unless you have an account in collections with them and then it would be check by phone. I to am anxious to reach "Plaza Processing". I am not in default of any kind just want to pay back the balance I owe and to date their has been no paydown. I don't dare put a stop because I had to settle an account with Ellis that defaulted due to bank error, which was actually a very pleasant experience,they treated me in a respectful manner, however the anxiety I caused myself over it is not worth going through again. This is the only thing I have lingering and I'd like it to go away.Anyone else ever dealt with these folks or know how to reach them?
Thanks.

I tried to search plaza processing in the internet but was not able to find any specific information. Will it be possible to get the information from the credit bureau if it is appearing in the credit report?

If we could both keep searching that would be great. Has anyone out there had a loan with them that might know how to contact them, please post. Thanks.

Try 1-800-555-1212 if they have a toll free # it might be listed. Good for you for paying your debt reponsibly.

I have put a stop payment on there debit from my account. I should here from them early next week and I will share the number

262-473-8492 plaza processing i think