I received a phone call from Henry Jay in AS & Associate

Nope he is lying to you...I would file a complaint with the attorney general they cannot threaten you with check fraud

Should I still send out letters to AS & Associates AND the National MoneyStore at this point besides filing a complaint with AG?

This is for a payday loan, correct? You didn't actually write a check that bounced?

Right this is for a payday loan, and an internet one at that. Everything was ACH debit.

I would send the letters to AS & associates, that way you are covered in case they try and sue.

Send the letters to the CA because you will be following the laws as an informed consumer. When the CA receives the letter, it is their responsibility to prove with the details of the account. If they still continue to call without validating the account, speak with an attorney to sue them on charges of violating the FDCPA.

is ag and associates located in jacksonville fl?

No, this is located in Texas. I sent the debt validation letter and cease and desist letter via certified mail, and no phone calls or letters.

Joshua-

I dealt with a "greg patton" from AS & Associates. He gave me the same speech about filing check fraud charges. I asked for validation of the debt and he faxed it to me a week later (wasnt valid) and called my place of employment and was very rude to me and told me that he was going to close this "investigation" the following day. I filed complaints and also sent a cease and desist letter to him. I have yet to get an accurate total. My pdl was from nation money store as well.

I was checking my bank statements to see what I had paid interest and rollover fees for a $350 loan. It turns out that I had paid $350 to them already. If I live in Wisconsin do you think I should send a letter requesting this be marked as paid in full or should I let sleeping dogs lie, since it's been a month now and not a peep from them. Nothing on my public records or credit report either.

Joshua, please, if you will, visit my site, and read the internet loan story and then click on the link on the right side, which is titled: Bass and Associates are crooks. You have come to the right place to get this nightmare dealt with. I, along with the numerous members here will help you out.

Also, I would keep an eye on that bank account of yours. They may come scooping at anytime for more money. It happens everday to thousands of people.

I have closed this account, which is why they were charging outrageous fees because they kept trying to debit from my closed account.

Joshua, if you find that any internet loan company is not licensed to operate in your state, tell them to FUK off.

Bass and Associates- aka as AS & Associates?

I am not sure if it affiliated with Bass & Associates or not. I know this Henry Jay had called from (281) 579-6302. I had done a search on these forums using this number and found that they are located in Texas.

Oops, I forgot to register before I posted that. So anyway, I am not sure if it affiliated with Bass & Associates or not. I know this Henry Jay had called from (281) 579-6302. I had done a search on these forums using this number and found that they are located in Texas.

No matter where these guys are located, they are not playing by the laws which govern their trade. Get that complaint in ASAP.

I was looking for more information on this company and their tactics - they contacted me yesterday with the same demands and threats that you listed. How did you handle them, and what was the outcome? They are demanding $860 within 48 hours and I am trying to see what my options are. She also told me she would file charges if not received in 48 hours.

Joie75- When "greg Patton" called and harassed me and told me that he was going to file check fraud charges on me in april. He said the same thing. I argued over the phone with him about him not sending me anything in writing to validate it. 5-7 days later I got a fax from them saying that I owed $ 570.00 on a loan that I had paid back in rollover fee's which are not allowed in my state. The fax was inaccurate and I sent in a Cease and Desist letter- I also faxed it back to him that day. I filed complaints against them.

Sleep tight tonight knowing that they cant do anything to you. You will not be arrested/charged with check fraud. It's just a scare tactic.

File those complaints!

What state are you in? I'm in Louisiana. The are charging me $100 for NSF and that seems extreme to me. Do you know where I can find the laws for my state?

that is extreme yes.....they cant do that. Do you still need the laws for your state....

I'm in Indiana....

sorry, that was me if forgot to log in.

collection agencies that threaten legal action that they can't use are in violation of the fdcpa and face charges. File a complaint against them with the FTC. Have you sent a certified return receipt cease and desist letter and a debt validation letter to them? Do not conmmunicate with them in any way other than the Postal Sevice Certified mail. If they call tell them that the conversation is being recorded and if they continue to speak they are agreeing to the converation being recorded. Watch how fast they hang up. This is a real old thread so if you said so earlier I am sorry for asking you to repeat.

good info frogger...

Just wanted to thank you guys for your advice. I left work yesterday in tears thinking I was going to be arrested!! After reading your posts, and doing some investigating online, I now feel like I can stand up to them. I faxed and mailed (certified) a debt validation letter, and I filed a complaint with the FTC. Any other suggestions are welcome....Thanks again!

Hold your ground! Glad you faxed the letter. It worked for me. You did a good job! :D

greg patton is trash...calls my office accuses me of writing a bad check..i said when?
did know the date, screams at me i own money i said where..he said you biatch you
know...i'm like what is this?

i slammed the phone in his face...you do the same...block all his numbers...if you owe
a debt call the company yourself and make arangements and pay it..

as far as greg patton is concerned just slam the phone in his face.

he's a 3rd party collection officer that's all he is..

I agree with the others slam the phone right in his face. He's a 3rd party collections...

YOU DON'T HAVE TO RESEARCH..JUST SHUT THE PHONE DOWN IN HIS FACE.
:mad: