h & p capital - are they making threatening calls?

Hey

Dont be alarmed like I was. Do some searching the internet, there are several people in this like you are. Whatever state you live in, find out the laws there. This place hopefully wont be in business long, especially with all the complaints. I am not sending any money to them. If I'm not mistaken, they cant arrest you for failure to pay back a payday loan. If that was the case, half of the country would probably be in jail! J

It's funny - I was researching this company to get information of what type of collections they do because I have an interview there today. Now I can see them collecting for unpaid debts but the "Good Lucks" and the rudeness is unacceptable. Going to question them on this when I get there. I believe in being nice - so your not seen as a phony company and get paid (that is..if they are legit) Ill get you posted

What they have done is illegal. You can't be arrested for not paying a debt. You should send them a DV letter immediately and make them prove up all those 'fees'. $800 in fees seems excessive to me.

Well I went there for my interview, its all commission. No wonder people are threatening, they could loose their jobs if they don't reach their quota. I turned it down, plus the place does seem a bit sketchy to me and they hire sketchy people. I witnessed someone paying their debt - and it took 30 mins before they found the right person to pay their debt to and then the guy was giving them a bogus excuse.

i'm in this similar situation Satcy Boyd called and stated that there was a filing out of the city that i live in, & that they had to get a statement from me that very same they they called by 2pm. it's not that im ignoring the situation but times got hard, & i lost my job. yes they are very, very rude.I've also received another phone call from this character by the name Rick MooreHouse #904 672-1023 ext 282 stating that they needed to hear from be & that it was imperative that i call him because of the charges against me that are being filed & that if i do not reach him he would hate for me to be blind sighted by what tis going to take place against me. and yes the do say(BEST OF LUCK) LIKE WHAT THE HELL... and one lady yelled at me and said it's my choice either pay it!! or go to jail... they have also called my 1 of my reference & has been rude to them.. remarks like" oh palying hide and seek i see?" and now finally i have seeked advice and also help.. i would like your feed back. truely yours" not ruffled"

i'm in this similar situation,Satcy Boyd called and stated that there was a filing out of the city that i live in, & that they had to get a statement from me that very same day by 2pm. it's not that im ignoring the situation, but times got hard. & i lost my job,yes they are very, very rude.I've also received another phone call from this character by the name Rick MooreHouse #904 672-1023 ext 282 stating that they needed to hear from me & that it was imperative that i call him. Because of the charges against me that are being filed, & that if i do not reach him he would hate for me to be blind sighted by what is going to be takeing place against me. and yes the do say(BEST OF LUCK) LIKE WHAT THE HELL... Also one lady yelled at me and said it's my choice either pay it!! or go to jail... they have also called 1 of my references & has been very rude to them.. remarks like" oh palying hide and seek i see?" and now finally i have seeked advice and also help.. i would like your feed back. truely yours," not ruffled"
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Totally illegal. Check your state laws about recording and record them. Heck, if you have to disclose you are recording you should say something like:

"Ok, I am now recording our conversation, can you tell me again how I am going to be arrested and go to jail?"

If they give you any lip about it, call the bluff, "Oh..so why won't you go on record saying that? because it is illegal..that's why!" :)

first of all, you should check with the state of florida about H & P Capital. They just incororated as of 10/14/2008. Secondly, they are in the exact same address as Legal Mediation Practice was before they dissolved effectively on 10/31/2008. Next, check the website.. www.flofr.com ( office of finance regulation ) and you will see when their license to LEGALLY collect on consumer debts went into effect which was on December 5, 2008. So, if they were contacting you prior to that date I would say they were operating as a collection agency illegally in the state of florida. Also, you will note that the address and phone they have on their license is the identical one that is for Legal Mediation Practice. This concerns me greatly since Legal Mediation Practice dissolved as a corporation as of 10/31/2008. Folks, gather your info and start sending in your complaints to the AG of Florida to have this company investigated. Also send in yout complaints to the FTC. I will be interested to hear from anyone else who has done any research or from the bottomfeeders themselves to see if they can justify, which would be funny since I have done my homework and have found out all the info I need to proceed forward in making sure thye are not allowed to use scare tactics against consumers. Enough is enough.

we had a experience with this company yesterday afternoon, needless to say they were not exactly NICE. threatned my husband with jail this morning at work, to the point he was ready to call in sick. my husband doesnt remember doing it and the same month they claimed we did it is the same month that our checkbook got stolen, it scared me when they told me and i am not even on the per say loan but they said they have more information on me than i know on my own self. i am thinking seriously on making a complaint with the BBB this morning, i asked them if they could prove that it was my husband that did this loan and they claimed they wouldnt have so much info on us if it wasnt him that did it....

I just received a call from them also. Mine is actually that I recieved a counterfiet check and the company verified it thats it was ok and gave me the money. Later on I was contacted and informed it was a bad check. I immediatly freaked out and retained an attorney. I continued to recieve checks for a period of time and gave them to my attorney. This H&P Capital called stating that I have two days to pay the money without contacting my attorney and also told me that I would be arrested at my home in front of my children. This company is a scam artist and I have given all there info to my attorney. Hopefully they don't stay around to much longer. The next person may be scared in give into them.

OK guys, I did a little research because this posting really caught my eye.

I called the number "NOT RUFFLED" posted, 904 672-1023, and talked to a woman there. I asked her the mailing address and she tried being evasive about giving it to me. I told her I was looking at it on the "Florida Office of Financial Regulation" website and read it to her. She said that it was correct.

I then asked her if they used to be called "Legal Mediation Practice" and she hemmed-and-hawed about it telling me they were not. I asked her what the name of the owner of the company was and she wouldn't give it to me. She then asked me to hold and, somehow magically, I got disconnected.

My guess is, this is the exact same company and the same owners, just a newer and better name. I left messages for two people that I was transferred to, when I called the FLOFR, so I can find out if the owners of the company are the same.

I'll keep you posted.

I'd be willing to bet, though, they are the same and this is just Legal Mediation Practice operating under a new name and trying to avoid the lawsuits that were pending against them.

Don't let them scare or intimidate you at all!

OK, I finally found both of them on the Florida Department of State website. The names are different under the "Officer/Director Detail" section. So I can only guess there are two different owners? I've never had to look this far before, so I may not know what I'm looking at.

I'm willing to bet, however, it is still the same company employee-wise. As evidenced by the same scare tactics used by the two.

It will probably only be a matter of time before H&P has to close down too, due to all the lawsuits they are going to start racking up!

i felt compelled to come back and post again that they called and harrassed my husband at work yesterday saying that we had till 300 yesterday afternoon to get the money in there again, i called them back, and when i got on the phone with them i called their bluff concerning the going straight to jail threat, i told them that by law they couldnt do that, he seemed upset that i told him that, and he came back and said if we hadnt screwed up and paid our debt my husband wouldnt be facing jail time... i just kept my cool and told them that they were breaking the law, before i hung up on them i threatned them with a lawsuit they seem to see my way about things then, i still want to see a lawyer about what they have done! now it is only 1230 here, and i havent received a call yet, but that doesnt mean anything... whats a day this week without a harrassing phone call... thank you for this page so i know that i am not the only one going thru this... please if anyone has any other contact please email me at [email]morrow41999@hotmail.com[/email],

I got a call today stating that there is a red flag on my social security number and drivers licence. They also told me that they would come into my job or home. I spoke with a Miss Harris.

typical bottomfeeder lies.a CA can't flag your ss# or drivers license.they also can't have you arrested for owing a debt.this does sound like LMP all over again.

Yeah the "good luck" at the end of voice mail messages was definitely a gimmick of Il-Legal Mediation Mal-Practice; I have two messages I saved from them with that being thrown in at the end. Also the "case being filed" against you was something LMP used; the first woman that contacted me from there used the exact same verbiage, trying to make it sound like an attorney's office.

I don't know if I've ever heard of the "your SSN and DL has been red flagged" before. I would ask them exactly what that means, while taping the phone call, when you call them back. Be sure to check your state's laws regarding taping phone calls.

Whether or not this is just another version of Il-Legal Mediation Mal-Practice operating under a shiny new wrapper is irrelevant. H & P Capital has come out of the gates heavily violating the fdcpa! You need to file complaints against them with your state's Attorney General's office, the Florida Attorney General's office, and the Federal Trade Commission.

If you click on the link I posted above with "H&P" at the end of the title, you will find their mailing address and phone number (no fax number yet, I'll keep looking) on that document. In addition to filing complaints with the above entities, you should also send a debt validation/limited cease and desist letter to these bozo's! Be sure to send it certified mail/return receipt requested. Once they sign for this letter, if they continue to harass you (and I'll bet my left leg they probably will) then you can sue them for violation of the FDCPA.

Lets get these jokers closed down faster than it took to shut down Il-Legal Mediation Mal-Practice!

I received a call at work about three weeks ago from H&P Capitol and they threatened me at work and everything. I ended up paying them a little over 700.00 dollars. Does anyone know if I can get my money back? and if so how can I go about getting my money back? Thankyou this would really help.

This is very interesting, I received a call last week from Mr. Jacob Goldstein 904-672-1023 x280 stating that he was a representative from a Payday loan company and they wanted to settle this debit so they will not have to take legal matters. Well I agreed to setup arrangements and they asked me to fax a letter of authorization.

I received a call this week and Mr. Goldstein was not the nice person I talked with last week he was very angry that I did not fax over my debit card and license and informed me I had until the end of the day on Tuesday of this week to send it or he will have to go to other means. He also stated that he was not going to risk losing a 10million dollar account because of me.

Now that stuck with me 10 million dollar account, so they are not out to collect debt but to get your money. So I am hesitating on sending my information. I looked them up and could not find anything but this post.

I am concerned that they are stealing money.

I live in MA what are the rules and regulations and laws here? I have not been theatened worse in my life then this H and P Capital.

Guest, you wouldn't happen to still have that fax number he gave you, would you? Post it here, if you do please.

As for the Guest that wanted to know if you can get your money back, I seriously doubt it. I personally don't know of any way; however, I'll bump this topic back to the top of the list and see if anyone else can offer any advice.

Rule of thumb, never, ever, ever, ever, ever, give a collection agency any money or any of your banking information, until they validate the debt they are attempting to collect on. This is actual hard-copy validation in your hand, not their say so over the phone. And if you work out any type of payment arrangement or pay-for-delete type plan, be sure to get it in writing, up front, before the first payment is ever made.

Any reputable CA should have no problems with this at all.

HEY GUYS START BEING RESPONSIBLE MEMBERS OF SOCIETY AND TAKE CARE OF YOUR OBLIGATIONS......YOU BORROW $$$ TAKE OFF AND TRY TO HIDE....AND GET MADE WHEN IT CATCHES UP TO YOU AND THEY WANT THE MONEY BACK YOU ALREADY PROMISED TO PAY BACK HOW LONG AGO?

Hey guys if you are serisous about getting rid of these guys and your loans......you should consider calling solicitation deleted. Nice Try Troll they gave it to these clowns for harrassing me .... they also helped me settle my entire payday advance debt in a couple of months....for less than i actually owed

I received a threatening phone call from an H & P Capital today at work Satcy Boyd called and stated that there was a filing out of the city that i live in,and they are comming to my job and they are going to embarrass me at my work or home legally and arrest me. Can they do that,please i need help i am scared for my kids,please someone help me...

They can NOT have you arrested! If anyone shows up at your job or home have them arrested for criminal trespass!

the phone wont stop ringing and had to take the day off,these people are so nasty,i cant even work they wont give me a chance to pay back from all the harassment,am scared to even go back to work not knowing what is going to happen,i paid the loan for months but cant catch up and they wont work with me am so scared......

Yeah so I got a call from that lady, Stacey Boyd earlier this week. Our conversation went just about the same as the others mentioned above. She said if I didn't pay my debt there would be a filing against me and they would come for me either at my job or home. I explained to her my situation and her reply was like well go borrow money from some people so you can pay me. She said if I didnot pay I would be charged with, Theft by Check. After I got off the phone with her I began to think is what she said even legal? I did not give them a check, better yet they bought the debt from another company. I am not in CA but in TX. My question is has anyone paid them or have they gone through with their threats? She was very rude and I do not plan on sending any money to this company.

Doesn't look like H&P has the required bond registered with the TX SOS. Report them to the TX AG &SOS.

This H&P Capital place keeps callingand harrasing me. it was so bad that i almost was in tears and was trying to actually get the money to pay it back they told me that they would come to my job or my home, if i didn't pay it back, and they gave me till a certain time and day. they wouldn't let me make payment arrangements and told me that i was being recorded, and to contact an attorney. I just don't know what to do to get them to stop. PLEASE HELP!!! any ideas?

for one calm down.this is a bottomfeeder deluxe.they are the ones who should get an attorney.they can't do any of what they threatened.they say that they are recording huh?i doubt that.they say that all the time.next time they call demand details in writing,then hang up.if or i should say when they call.give them the old FOAD then hang up.repeat until they stop calling.

I recieved a call from Thomas Johnson (866-612-1284) at H&P telling me that papers would be filed today and if I didn't want to be embarassed at work, I needed to contact them immediately. I called spoke to Mr. Johnson and was told that since it was my "first offense" it would be possible to work something out. I told him not to contact me at work, he stated that he would not, but that I would be arrested there. I hung up and will not deal with him. The first call was at 9:30 this morning, I have had 3 calls since then.

exactly.if you were going to be arrested after that initial bunch of nonsense.they wouldn't still be calling.

Or, the more likely scenario, if you were going to be arrested you wouldn't be getting any forewarning like that. They would just come and do it!

I don't understand why CA's don't realize how stupid they sound when they use threats like that.

You need to send a written DV/C&D letter to these @$$-clowns STAT! Tell them, in no uncertain terms, they are not to call you at work. Ever.

Be sure to report them to your state's Attorney General's office, the Florida Attorney General's office, and the FTC.

And NASCAR_Devil makes a good point. You need to check with the state agency, in your state, that regulates the collection industry and see if these jerks are even licenced to be collecting in your state. I confirmed, after reading a post in this thread, that H&P wasn't even licenced to be collecting in Florida until 12/5/2008; however, I'm quite sure they were collecting way before then.

I checked on the Missouri Division of Finance Web Site and did not see them listed as licensed in the state of Mo. Is there some place else I should check?

I am not worried about being arrested, but I do intend to send the letter that was mentioned (certified mail) and instruct them not to contact me at work, but I am curious if they are even able to do business in Missouri.

Not sure Devi, you might want to check with that same department (by giving them a call) and see if they are the office that regulates CA's and their licences. I know, in Florida, it's the Office of Financial Regulation, but it might be different by states.

Also, when you're talking with them, as if they are the ones to file complaints with regarding CA's operating without licences in your state. Don't forget to file complaints with your state's Attorney General's Office as well as the Florida Attorney General's office regarding their fdcpa violations.

I have been reading the other comments on here and I have 1 question - what does FOAD mean?

This forum has been very helpful and I thank everyone here.

LOL!

Sorry, it's not "family friendly" so I can't post what it actually means.

An agent from H&P left a message for my reference saying for me to call them regarding a legal matter. When I called back I talked to a very rude, Amanda. She said I had until 6 pm today or they would proceed with legal action. When I asked what exactly that was, she replied it's not up to her to explain, but it's more than just a slap on the wrist. She said Payday loan beleived I closed the bank account intentionally to avoid paying them and wanted to prosecute me. I was scared and shocked until I found this site. I had borrowed $1000 and am down to $445, I've been paying my obligation, but I haven't been able to make a payment since Nov. She proceeded to tell me I've had plenty of time and today is the day I'm held accountible for my responsibility! I told her I was willing to make a payment and she said she could only accept the $445 and she suggests I call my family and friends. So finally I told her I am in the process of filing bankruptcy and had my lawyers info and case number for her. She would not take it! I finally hung up on her, still afraid. I have three children- I can't go to jail. Look at this economy, my husband lost his job and I'm barely paying the mortgage. I'm calling my lawyer.

you will not go to jail.this pig can't do that.if you have the #give it to your BK attorney.try to file asap.in the meantime the old FOAD is called for if she calls back.again you can't go to jail for owing a debt.especially pdl debt.

I would call Miss Amanda back at exactly 6:05 and ask her what's going to happen now?

Of course, I've been told I'm an @$$-hole at times too.

It's also illegal for a CA to suggest you incur more debt in order to pay of the debt they are collecting on too, isn't it? Like suggest you borrow more money to pay them?

You know, I should be amazed, but I can't say that I really am. There have been more postings regarding H&P Capital in the recent past than I think I have seen about any CA.

Is it just me?

These people can't arrest you, this is a civil case. Tell them to go ahead and send the cops...I bet no cps would be showing up. They want to call you at work, tell them to go ahead, let your co workers know these people are fraud. Who's shit don't stink in this world....

I will be talking to someone from the Missouri Dept of Finance today, I e-mailed him and he set up a time for a call. I will be filing a complaint. I was also told by them to borrow money from a friend or a relative. According to Mo law a payday loan is not considered a "bad check" and is therefore a civil matter, unless it can be proven that the bank account was closed before the first payment was due.

I sooooooooo want to call these people back and tell them what I know about them and how I feel, but I don't think that would be a very good idea.

And floridaron, it isn't just you. I think since they just started they have to get their quota so they can get their bonus.

I got a call from Stacy Boyd today and she pretty much told me the same thing as all of you. I told her that I was consolidating my pdl's and that the company that I was working with would get in touch with them. She told me that they would not accept the money from that company. Which I know is a lie. If they are trying to get money out of you and you don't give them any, they will accepted it from anywhere. She told me that same crap about me getting arrested on my job and I told her to bring it on. I have had several collection agencies telling me the same thing and I just tell them what I told Ms. Boyd. They just want to get as much money as they can and they get a percentage for collecting. They were pretty harsh with me too but I was pretty harsh with them too.

hey ron,didn't ms.boyd work for LMP too?maybe new owners,but sounds like the same employees.some things never change. :roll: :roll:

I've given up keeping track of the names of the people at this company that have made it into posts on this website. I'm sure they're all alias' and they change weekly, daily, or even hourly. I do think, however, I have seen the name "Stacy Boyd" here before.

Oh yeah, and I'm willing to bet it's the same people (meaning owners) still in control of H&P Capital. They just made a few changes on paper to try getting out of the ton of lawsuits they had pending against them.

I have to say, though, i requested copies of their application for licence from the Florida Office of Financial Regulation and all the names are different on both applications. So at least they were smart enough to get that right. Ironically enough, though, and the guy from the OFR mentioned this, both applications list the exact same address and phone numbers; however, I do know the phone numbers have since changed for H&P Capital. It's no longer the same as LMP.

Still working on a fax number for them, though.

Guys, I can't stress this enough! You need to file complaints regarding this company with your state's Attorney General's Office, the Florida Attorney General's Office, and the the FTC! Nothing is going to get done about this, or any other CA that breaks the law, if enough complaints aren't filed! The agencies I mentioned have to see a clear pattern of abuse before they act!

i have their fax number in my husbands truck when he gets home i will get it we were told to fax our debit card and a drivers license to them, which i did not, we dealt with reid i think was his name what a arrogant guy, i havent heard from them in about a week,

They called last week and left a message stating that a decision was being at the court house about me and good luck. I called back and spoke to a Wynn Bom whom set up a payment arrangement with me. However any Amy Bishop keeps calling me and threatening me. I called back today to make sure I had the correct info for the payment. The guy whom spoke to me stated he was the owner and that I had never made a payment plan. I asked to listen to the recorded call and he yelled stating your telling me what I need to do, you need to pay the entire balance and kept yelling at me. I think we all should do a class act law suit. Let me if anyone interested. Yes I did the loan and became disabled I had asked the company for a payment plan and no one wanted to do that.

I'm in on the class action suit, let me know

PLEASE DON'T SEND ANY MONEY TO THESE PEOPLE. TELL THEM TO GO HELL. PLEASE DON'T BE AFFRAID TO CHALLENGE ANYONE TRYING TO GET YOUR MONEY. THIS IS ANOTHER COLECTOR TRYINMG A NEW WAY TO GET YOUR MONEY. ANTY HONEST COMPANY WOULD HAVE A WED SITE

call them and ask them for there wedsite. please don't let them get there supervisor