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Warren Schembs' Latest Foolishness, watch him hang himself!

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Here is an e-mail that "Warren Schembs" sent to me today. Which, oddly enough, is about the same time that the BBB has contacted the "company" he works for as a result of complaints filed by myself and several other people who have been harassed by this company.

Keep in mind that in my case, I have paid my debt in full. In fact, I overpaid, they refunded part of the amount I sent them for my payoff because I paid so early. Warren Schembs doesn't understand that, and I want him to push this as far as he can. After all, you can't argue with a processed check, or a letter that says "thank you for paying off your loan with Xpress Cash/PD6 Ventures". This is check and mate, and I am going to broadcast this here for all to see. Watch as this dummy hangs himself right before everyone here!

Keep it coming Warren, the Lions are hungry!!!


I have sent you this email already and have paperwork ready to pursue this account. Please contact me ASAP! This is a very serious matter and can't be held in this office any longer. Please respond before COB 4/14/06.

Date to respond by: 4/14/06

Reference #

-Status: Level 5 Delinquent/Possible Fraud

From: Warren Schembs

-Account Manager ECP CD

When we set up the accounts and issued the loan it was with the understanding that payments would be made, but unfortunately at this time we show that there has been nothing that has been paid out from your bank account and you have actively stopped any attempts we've made to retrieve our funds which constitutes theft. We have contacted you various times in various ways (e-mail, letters, phone) trying to re-establish contact with you and work this out in good faith. We have been acknowledged only with your silence, false promises, or outright refusal. Please touch base with me before (24) hrs if you want to resolve this so I may make any necessary adjustments. After this date, extensions and missed/late fees will begin to accumulate once more. A fraud investigation into this matter will begin on 4/12/2006, but you do have until the date shown above before legal actions are taken against you. The next contact you have regarding this will be an investigator, or an attorney which will mean reporting to the credit bureau, legal action, and possible garnishments, which we tried to avoid.


Warren Schembs

Reconciliation Consultant

Xpress Cash/PD6 Ventures

1-800-859-6439 x. 237

1-800-853-7221 fax

P.O. Box 26413

Kansas City, MO. 64196

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..

Sub: #1 posted on Tue, 04/11/2006 - 18:57


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

Sub: #2 posted on Tue, 04/11/2006 - 18:58

Jedi Mistress Ari Jedi Mistress Ari

(Posts: 2192 | Credits: )

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.

Sub: #3 posted on Tue, 04/11/2006 - 21:27


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.....

Sub: #4 posted on Tue, 04/11/2006 - 21:59


I recieved this stupid threa this morning.

In response to your note of 4/11/06, I once, again, am, letting you know, YOU NEED TO LET YOUR ATTORNEY KNOW THAT YOU OWE US AS ONE OF YOUR CREDITORS.

It is not my responsibility to contact T&C, BUT YOUR responsibility to take care of your debt TO US.

Whatever method you wish to use, WE NEED LEGAL DOCUMENTATION from your attorney or THE STATE.

When you needed FUNDS, you signed a Contract and we loaned you the FUNDS, you requested.

I notice on your note of earlier, some bleeb about??? terminating collection???


You think you can type up this note, and we will decide to NOT COLLECT from you!

Come on now Deirdre.


I would appreciate you getting back to us on this matter promptly.

If you are unable to tend to your own financial responsibilities, please seek a professional, who can help you.

Once you do this, please let them know, we are one of your creditors you owe at this time.

Our information is here-

1110 Mar West
Suite ???B???
Tiburon, CA 94920

Sub: #5 posted on Wed, 04/12/2006 - 04:52

deirdre_williams deirdre_williams

(Posts: 12 | Credits: )

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.

Sub: #6 posted on Wed, 04/12/2006 - 08:32


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.

Sub: #7 posted on Wed, 04/12/2006 - 14:12

curlycarl curlycarl

(Posts: 616 | Credits: )

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.

Sub: #8 posted on Wed, 04/12/2006 - 15:52

Jedi Mistress Ari Jedi Mistress Ari

(Posts: 2192 | Credits: )


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.

Sub: #9 posted on Wed, 04/12/2006 - 16:03


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.

Sub: #10 posted on Wed, 04/12/2006 - 16:05


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