I need some serious help- Bass prelitigation

OMG! We were just talking about you the other day!

Ignore that lady, you are NOT being investigated for fraud, YOU ARE NOT GOING TO BE ARRESTED. She is full of it and trying to scare you into sending them money. DO NOT DO IT NO MATTER WHAT SHE SAYS. LAUGH AT HER! Tell her you are going to call her parole officer and contact Florida's Attorney General who has them under investigation RIGHT NOW! They are also known as Bass and Associates. Nothing is going to happen to you DO NOT SEND THEM A DIME.

And tell you don't care if you get downloading, just so long as they don't UPLOAD YOU FROM BEHIND! They are idiots. And they are making illegal threats. Know your rights, tell her to go to H E L L. Nothing is going to happen to you.

I appreciate the help Steelers, Thanks for the support my friend

No problem. These people are an absolute joke. I'm glad you came here first before being fooled by their lies and sending them money. There is no such thing as downloading a person to begin with. Not only are they ignorant when it comes to the law and practicing legal collections, they don't know squat. The skipped the prison's classes on computer training for job skills readiness upon release.

Some lady just called me back from this place asking me if I had requested them to move forward with their report or something like that. I told her to go ahead and she said she would be filing the 112s and forwarding them somewhere or something like that. I asked her what that meant and she avoided the question and repeated that she was going to forward the 112s against me. Has anybody heard this stuff before? I believe I will be contacting the attorney general's offices in Florida and here in the bluegrass. Any other input or advice?

LOL, form 112. She is just making that up trying to scare you. Tell her you would prefer the form 69.

Art, please don't let these criminals threaten you. It is highly illegal to use these tactics on consumers. Please visit my site, and on the side is a link to a story that I did on these crooks. 'Bass and Associates' is thier real name.

That is cute you have to admit. Tell her you'll be forwarding her a 40 by FedEX! Gulp, Gulp.

I am so astonished at the words and numbers that they use to scare people, and sadly, it seems to work on a lot of people. I just wish that someone would have it on tape. This would open the door to serious action taken, for once.

Hey these jokers called me ONE time, but I know this is the same company used to be called Ellis! Like I said, they called me ONE TIME! After I gave them the what for they deserved, they didn't call back, I wasn't going to be talked to like that and I wasn't going to take that crap for nothing. Plain and simple as that.

I love calling them from time to time and commending them on receiving the '@sshole Award" from the consumers.

What can I say, they deserve it. I just know I can't be arrested for this type of thing, I wish other people didn't fall for this lie and think they can be arrested.

I believe the same address that Bass & Associates are using another company names United Processing is using it also. Does anyone know about this company.

April, I think they have used several names and I know they do some ILLEGAL tactics. I wouldnt worry too much about them. They are under investigation in so many states they are just trying to run for cover. KYSIDE38

Hi Art--

I could be wrong, but I do believe that there is a reporter in on this one now. There should be a thread around here somewhere that mentions a reporter looking for all information from people who have been contacted by that company. There is going to be a big story about it, I guess.

Also, someone else has posted a thread up about Bass and ASSociates being investigated by the Florida AG. You may consider contacting them to add to their investigation. Bottom line--dont buy one word of the sewage they are telling you. They cannot have you arrested. It is not a criminal matter whatsoever, so arrest is not even a possibility. If all else fails, the next time they call, tell them "Hold on, I have to start the tape recorder....there, ok, what were you saying now??" and see what they do next....

I have been on Bass' @ss for a long time, and I see them very soon disbanding per Attorney Generals request. Yes, please file a report with Florida AG as well as your own.

You know,
It's great that Bass is in trouble in Florida, but what we really need to do is make it so they just can't up and run and move to another state. We need to shut them down for good! How do we do that?

The only way is to have criminal or civil judgements against individuals involved, that way they are printed and tracked by governing agencies. That is truly the only way.

I received a voice mail from a company called dw griffey. The message goes as follows " This is dw griffey, this is a documented attempt to reach the attorney on record for ------ . It is imperative that you return my call, if you cant reaturn this call please by all means have your attorney return it" In april I took out two paydays loans. I have not paid them back. I called this company that left the message back and got a recording that said it was bass and assoc. When I spoke to the representative she said that I had broken all these laws and that I was going to need to retain an attorney. I agreed to pay the loans but could only pay 200, she demanded 300 and said that she would fax me a form authorizing them to withdraw money from my acct.This was when I was at work no less. I returned the fax. When it didnt go through she called me again at work and demanded to know what was happening since she was just trying to help me out. When I got a little irritated with her because of her contacting me again after I followed through she started to tell me there was no reason to get snotty and that if I didnt want to pay it she would just turn it into her lawyers. I want to pay this debt but I have no idea why I am paying 1400 for two loans that totalled 750. Can anyone help?

These loans were both 300 made by internet payday company's and taken out in california. I called and left a message on the womans voicemail last
night requesting a debt validation letter and an itemized letter of the fees I am paying as I have already paid 300. Am I going to go to jail? Is there anyway to get them to stop calling my place of employment as I work in a critical care unit in my local hospital and I dont really have time for that when I am working and it will eventually affect my livelyhood as I am not supposed to get personal phone calls at work. I really cant come up with 1186 by next thurs . Is there anyway to work out a more resasonable payment arrangent?

Guest,
First off, breathe. You are not going to go to jail for this. In California, defaulting on an internet payday loan (or any payday loan) is not a criminal offense.
You can also ask that they not call you at work, under the Federal Debt Collection Practices Act you do have this right. And since you work in a CCU at a hospital you definately need to do this! Some places will ask that you send over a request in writing, which is fine.

Thanks ks. Is there anyway I can set up anarrangement to pay these off even though I agreed to send 1186 and already sent 300. I really cant do this and there is no break down of the fees I am paying at all. What can I do to get bass off my back?

Do not send them money. They will not use the money for your debt. It will simply 'vanish' into their pockets. The only way to clear this all up is to contact the original creditor of the debt. I must repeat, do not send Bass any money, it will vanish. They are being sued right now by the Florida Attorney General's Office.

Pik, if you want them off of your back, first file a complaint with the Florida AG office online, and second, you can mail them a letter of validation via certified mail, which requires them by law to fulfill validating the debt in which they say you owe. You can come to my site for samples letters.

Anthony, I have already paid 300 to them. I dont plan on paying anymore. I also dont wish to seem a simpleton but I wouldnt have the first clue of how to file a complaint with the ags office. Will your site offer me some tips?

Absolutely you can set up arrangements, Pik! First off, let's get some info from you: what IPDL's did you loan with and how much have you paid on them? I am also in California (and am also a hospital employee, btw. I will PM you and tell you whom I work for and if we work for the same chain, I definately can help you with HR!!)
Finding out how much you've paid and to whom is important, because this will tell us if you've overpaid them. And if the PDL's aren't licensed in California, this will help in a possible claim you may want to file with the Dept of Corporations.

Pik, simply go to this link, and on the top will be 'contact us' and send your complaint through that. They will send you a packet to fill out through the mail. http://myfloridalegal.com/

Well I called bass this morning and the woman I spoke with all of a sudden got very nasty when I told her I was sending her a letter of validation.

Well I called bass back and the woman I spoke with got very nasty. I asked her for the debtors names and she got very nasty but the gave me the names of the companys that I took out loans with and then started telling me that I had broke yet another law and given them a wrong social security number(I didnt do this intentionally),that one of the numbers that I put on an application was wrong. I sent a request via email to the florida ags office. The loans I received were through midland and ogden enterprises. Midland says I cant pay them directly as another company buys there accts (icollect) and then sends them to an outside collection agency. Am I going to go to jail for making a mistake in putting my social down? I called ogden and was told that I could possibly start paying them. What else can I do?

No jail for wrong social security number. You broke no laws. The only ones breaking the law are Bass and Associates. You can contact the original creditors, and see if they will accept the legal amount due them. I have seen it a few dozen times. Cut out the middle man by contacting the creditors yourself. Most will be willing to take what you legally owe, and the collectors have nothing to say about it, if this happens. Give it a try. However, if any of the creditors are unlicensed to operate in your state, you don't need to pay a dime. Also, if the collectors are not licensed to collect in your state, which Bass is not licensed outside of Florida, they legally may not contact you in seeking payment. Tell them that when you talk to them again, and you will see either extreme anger or a hang up.

You need to let them know that you have full knowledge of the pending lawsuit against them, read it here: http://www.jacksonville.com/tu-online/stories/070307/met_181746454.shtml

Send the fo0llowing dispute letter.

[quote]Your NAME
YOUR ADDRESS]
[DATE]
[COLLECTION AGENCY ADDRESS]
Re: Acct # [ YOUR ACCOUNT # ]
To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on [DATE]. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for ???????verification??????? or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account; Show me that you are licensed to collect in my state. Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records; any information obtained shall be used for that purpose.
Best Regards,
[YOUR NAME][/quote]

I sent my validation letter. Now the waiting.I spoke with my county da's office and am going to file a complaint in California as well as the complaint in florida. How do I find out if the agencies are licensed in California?

I sent my validation letter. Now the waiting.I spoke with my county da's office and am going to file a complaint in California as well as the complaint in florida. How do I find out if the agencies are licensed in California?

Check with the California Secretary of States office.