714-590-5505 - does anyone know about Nobel Recovery services?

You can contact them at the following address:
Noble Recovery Repo Service
5163 Wesley rd., Hurlock, MD 21643
You can also call them at 410-924-7810

no they are in anaheim, california. i have their address and phone number. i don't have their fax number though. i tried to fax them using the number on their web page but it wouldn't go through.

Nobel Recovery Services LLC
9052 West Katella Ste 426
Anaheim California 92804
USA
Attn: Lee Shaw

ph: 714 590-5505
fax: 714 590-5506

yeah that fax number gets no answer! i tried 3 times! weasels! so, i emailed them a c&d letter and haven't gotten a response. however, last night i found out my original creditor sold my loan so now i have to deal with the low lifes! so, i guess i will send them a dv letter.

What state do you live in and when was the last time you paid on the account? Have you pulled your credit reports? Does the OC's tradeline show a $0 balance and a Sold to another lender notation?

i live in wash state. i paid them $555 and borrowed $600 since nov 2008.
i don't know how to check tradeline. how do i do that?

Who did you originally take the PDL from? Was it an internet or storefront loan? You can pull your credit reports from all 3 CRA's for free once a year at www.annualcreditreport.com to see if it is listed

sandpoint which is now clearwater bay marketing. it is an internet loan.

I don't know who this will help but i know that this site really helped me ......because Mr. Ryhart from NRS had me very very scared.

May 28th 2009 i received a call from NRS stating that i was being sued for fraud and that basically i had to pay 690 by the end of the business day. or they were going to send out documentation to my state county office.

These people are harrassers. Not only did this man call almost everyone in my hr dept with no avail. But he actually call my direct job line and told me to transfer him to the management department. WHen he was told that he was speaking to me he rudely say i don't want to speak to you i would like for you to transfer me to the management department.

They also called my two friends that i used for references. But i had already warned them to not fall into the propaganda.

Funny enough i tried to contact them (NRS) to get their address and some guy refused to give it to me.

Something is not right about these people .....does anyone have any advice or stories to share in regards to Noble Recovery Services LLC







I told him that if he would like to contact my management dept he should do his own research get the number and call them himself. He said no problem ma'am and i hung up on him..

Mind you this jerk already hung up on one of my fellow colleagues in the hr department for refusing to issue him information regarding my employment without a signed authorization from me.

All in all they supposedly sent out documentation to my county ....i don't know whats going to happen but what i do know is that im sending them a letter of dv im also sending in complaints to my ag (attorney general office), BBB, and the FTC. Hopefully someone will be able to help me ...because i honestly dont know whats going to happen.

What i do know is that payday loans are illegal in new york and in new jersey...at the time i took the loan out i was living in jersey. I do know that the cap interest rate on small loans in ny is 25percent in new jersey 30 percent....

national payday loan which the company i orginal got the 300 dollar loan from ...does anyone know if they are legal i don't think they are... They also go by MTE Financials as well......

All i know is it can't be possible for the order to pay 690 on top of an already 270 payment history for a 300 dollar loan to be legal!.....if anyone has any info please help!!!!


im sending my dv letter certified mail....should i send my complaint information to the ag office in ny and the ag office in nj, bbb, and ftc offices as well???

yes file complaints with all of the above.don't let these idiots scare you.thatis what the rely on being illegal and all.

thank you paul

ya noble recovery are a bunch of fly by night scamers for national pay day loan .dont pay em chit. there fullof threats thats all.

They seem to be using scare tactics. They also threatened me with the "fraud" card. I don't believe them. They are only working for a former pdl company called MTE. The are now National Payday or something like that.

They will say and do absolutely anything they can to scare you. No matter how many times you tell them not to contact you at your place of employment, they still do. It is against the law and they use every single illegal way possible to get you to pay them much more than what is owed. Every single person there is rude. They all have fake names since that is how these collection agencies work. If they used their real names, they would be stalked and murdered due to how they treat people. They sometimes will use other tactics to see what they can get out of you. Sucha as being nice, but only until you ask for paperwork and then they turn into the devil.
They will never ever send you any type of legal documentation. This is ALSO against the law. if they don't send you any legal documentation, what are they presenting in court? Also if you know the companies they have as accounts and you know that you owe money, send a small payment a month, until they send legal documentation. Have your place of employment send a certified letter saying they may not contact you there or anyone else there for that matter, they must abide by that. They have many complaints with BBB's in different states, as well as the FTC.
They will do and say anything they can to threaten you. they will call you names, slander your character, threaten your children. EVERYTHING. Be careful. Pay something so you are showing you are trying to pay. Other than that, that's all they get until they show and itemized list of what you owe and why. If they can't provide it to you, then they are the ones whoa re the liars!! The judge will throw their shit out. They think that threatening honest people is the way to get a debt collected. Well you know what ? What goes aroung comes around. Those people have miserable lives and if they don't now, they sure the hell will later.

I had made arrangements to pay them $50 and they got it. the next time they wanted $245 and when that day came I couldnt pay them that amount and tried to pay them another $50 instead and the guy said it was breaking the aggrement and they wouldnt take my money and they were going to take me to court for fraud. I dont know if this is true or what?

i was called and told to pay 510 for a 3 hundred dollar loan they said they would call my county and report me for fraud i tried to give them half but they said they wanted the whole amount and would not except a smaller amount what do i do please help

If they have already accepted a payment, they cannot sue. They have not provided legal documentation have they? Any judge in their right mind wouldn't even hear the case. 1 they accepted payment. 2, they denied a payment when the whole point is they want to be paid? NO. I don't think so. Don't even sweat it. Do a letter of debt validation. have your job send one to them saying they can't contact. no matter how many time you tell them verbally they won't stop. you can go to your local police department and file a harrassment suit. record their phone calls since they don't. There is something crazy about this place. Wont ever try to prove who they are.

What state are you in and what was the original PDL and how much did you pay on the org PDL?

California

Cali state law:
"http://www.paydayloaninfo.org/state_detail.cfm?id=CA"

And, Quote:

The original loan was 300 and when it went into collections i paid them $50 and told them i would pay them 245 the next time and when the day came to pay 245 i couldnt pay that much and still offered to pay another amount. and ofcourse they said no and they were going to take me to court for fraud.

No, it isn't fraud. Fraud is criminal, debts are civil. I meant how much did you pay on the *original* PDL, *not* the collectors. Was it the only PDL you had? These questions are very relevant because your question cannot be even half way decently answered without this info (if there is something illegal going on then there is no way they would ever sue you at all, but if it is legitimate then you certainly *can* take you to court). So are you saying you borrowed but never paid them back a dime until it went to collections? How did you pay, by a prepaid debit card or money order in the mail?

the company was EPP Processing and I think I paid them about 270 or 350 and then i had 5 other internet loans and couldnt keep up so i closed my accounts and try to let them go into collections so i could try to pay each of them off a couple at a time. when it went to collections i paid with money gram.

And i forgot to mention that i set up payment with my checking account with these PDL's "before" it went into collection.

I can't find anything at all about EPP Processing, except this thread where someone had asked about it -back in 2005 - but no one could find any info about it.

I'd say that it might be the Electronic Payment Processor and not the PDL itself, but I'm not sure (the PDL experts hang out in the PDL forum).

If you looked at the website I provided above, you will see that only ONE PDL is allowed at any one time, in the state of California. Acceptable interest is 459% APR (which is $17.65 per $100 for 2 weeks). The max loanable is $300 and ONLY ONE LOAN AT A TIME is legal, with free EPP (Extended Payment Plan) available. No rollovers allowed, and 1 (free) extension is allowed.

Anything past this is illegal and in that case you would be only responsible to pay back the original principal amount (and don't listen to them when they tell you nonsense like the Laws of Malta or something).

So, only the FIRST loan needs to be paid back with the high interest, the rest only the principal.

First, head over to the Payday Loan forum where nearly every PDL has been discussed (you can also use the Search box). Addresses and phone #s will be there. Write letters to all the PDLs after the 1st one, that you took out *at the same time as you had another open*and let them know the Calif law that only one PDL at a time is legal, and if you have paid the principal, then ask for a Paid in Full letter. If you have paid too much, ask for a refund of the balance (you may not get it, but it's worth a try).

Check out the link I posted above, it has a link on it to all legally licensed to operate in Calif. PDLs. The ones not on that list are also included in the "pay principal only" stack. File a complaint against the other companies. File a complaint against every company that loaned to you when you already had an outstanding PDL, and any company that let you roll your loan over, etc. Also file a complaint against the same companies with the FTC and the State Attorney General. The ones that are paid, request a Paid-In-Full letter and that the account be closed and any collections be ceased immediately. The ones that aren't finished being paid, see if you can pay the remainder of the loan when you write. Include proof of payments. (For example - you have a $300 loan. You have receipts that prove you paid $290. Send them $10 and be done with it).

Oh, and you should close your bank account. A link explaining why it's recommended is on the following thread, which you should also read: Dealing With Illegal Payday Lenders.

And the most important advice? NEVER GET A PAYDAY LOAN AGAIN!!!!

Someone from this company called me on my cell. I called back and asked who I was talking to because of the call to my phone. The man was extremely hostile and when I spelled my name(because he couldn't understand) he said he knew that I was spelling it fast for deceptive reasons. He asked if I knew 3 different people, I replied that no one by those names lived in the house. I had no clue who they were, only people with the same last name. He then proceeded to call me a liar and because I said "this house" it proved that I knew them. At that point I told them that they had called my phone and harassed me and never to call my phone again. The man Hal Jordan, or something like that was very threatening. What recourse do I or any one else have in situations like this? This was not even about me, but about someone who had put my name as a reference. This type of scare tactics should not be allowed and it has to be stopped.

Guest,

Send them a Cease & Desist letter and file a complaint against them with the FTC, the FCC, and your State Attorney General.

SO EVERYONE ALSO KNOWS. THEY CALLED ME MADE ARRANGEMENTS AND THEN CALLED AND SAID THEY WOULD SUE ME FOR FRAUD AND WANTED 2200.00 THAT DAY TO BE DEPOSITED IN A BANK ACCOUNT WITH WELLS FARGO. I CALLED THE COURT HOUSE IN ANAHEIM CA. AND THEY DIDNT EVEN HAVE THEM ON RECORD. THE LADY SAID IF THEY WERE LEGITAMENT THAT THEY BY LAW HAD TO GIVE ME THEIR BUSINESS LICENSE NUMBER THE MAN WAS SO RUDE CALLED ME DUMB AND THINGS BUT IN THE END WHEN I ASKED HIM FOR HIS BUSINESS LICENSE NUMBER HE HUNG UP. I CALLED CITY HALL BACK AND THEY TOLD ME DO NOT DO BUSINESS WITH THEM OR GIVE THEM ANY INFORMATION WHAT SO EVER THEY ARE NO A LEGAL COMPANY.

these people also theaten me and said that they were going to take me to court for fraud and when I told him that I called a lawyer and he needed to speak with him and he said we do not work with third parties and then he want off on me, so I told him that the conversations was over and I hung up on him.

these people also theaten me and said that they were going to take me to court for fraud and when I told him that I called a lawyer and he needed to speak with him and he said we do not work with third parties and then he want off on me, so I told him that the conversations was over and I hung up on him.

Yes, they are awful. They called my Mom and threatened her too with the "we'll take you to court if you don't pay" line too. She almost believed it. Then I got on the line after she gave them authorization to talk with me. The "supervisor" asked me my name and my occupation. I told him my first name and told him my occupation was none of my business. I said that my Mom is represented and he gave me the whole spiel that this was a debt after bankruptcy and that after a discharge the attorney no longer represents my Mom. I then started to tell him that attorney-client relationship does not terminate based on a discharge. I had a feeling he didn't talk to them so I started giving him the name and number. He refused to take it down. He started getting rude. He said, "Oh, so you are just coming on the line talking big, but you don't know anything. That's okay, I have your name now so I can pull things on you." Uh uh. Big mistake. I asked for their contact information, and they refused to give it to me. I asked for something in writing, and they refused to give it to me, citing "fraud" and California state law. Excuse me? Last time I checked, bankruptcy was federal, and not state law jurisdiction. Hmmm...they were getting very fishy.

Here's the bottom line: Read up on the Fair Debt Collection Practices Act. Read it well. Particular, 15 U.S.C starting from section(s) 802 on. In particular, they need to stop calling your work when they are informed they are not authorized to call there. Verify this is a true debt by asking for a written piece of paper with their information on it, including phone number, any judgments, or proofs saying they have authorization to go after you and that your debt is sufficient. They are just looking to get as much from you as they can. If they are going to file a lawsuit, they would have already done so. You must be personally served, or sub-served, with a follow up copy of the Complaint, Summons, etc. via US Mail. I'm in California and checked --- no filing, no nothing yet.

As for their company information, for California you can just go on to the Secretary of State Website and do a search. They were tricky to find, but I found the following information if you would like it. I am going to have my law office follow up on better contact information too and I'll post it as soon as I find something.

Nobel Recovery Services, LLC
2648 W Ball Road, Suite 113, Anaheim, CA 92804

Nobel Recovery Services, LLC
9052 W Katella Suite 426
Anaheim, CA 92804

Legalzoom.com (C2967349)
7083 Hollywood Boulevard, Suite 180
Los Angeles, CA 90028
Fax: (323) 962-8300

DO NOT give them items such as a social security number or bank numbers, etc. It is illegal what they are doing. Call your BBB, make a complaint with the FTC, and contact your State Attorney General. Go on your credit reports and put at least a 90 day fraud charge. And, it is illegal also to say that they will seize property "if you don't pay." Get the facts straight before you do or agree to anything and ALWAYS get something in writing. Always check with your attorney too. I'm having my Mom do that.

That kind of behavior sounds to me to be more like a scam and not a legitimate company. You *definitely* don't want to volunteer any info to a scam. A low-life like this will, unfortunately, need to be dealt with in court. I wish you didn't have to go through that, but life is notoriously unfair except in its recycling program....

Wow, Katella and Ball Rd. They have Disneyland surrounded. Ah, memories... I lived in that area back in 93...

These PDL collectors are almost as bad as the PDLs themselves... :roll: But any company that is afraid to identify themselves, give you their address, and follow Federal Law - I would only say 3 words to them: Cease. And. Desist.

These people called me today and are threatening to sue me for fraud. They also called all of my references and told them that I was being investigated for in a fraud case. The guy who said he was a supervisor, Mr. Slavia told me that if I did not pay $510 by 11:59pm tonight he would file fraud charges against me in my state. I only borrowed $300.00

I explained to him that my account had been closed because of overdrafts and that I did not have any way to contact the Loan advance company since it was online. The only correspondence I received from the company was an email saying my account had been sent to collections. When I called the company, National Credit Adjusters, they said my account had been sold and couldn't help me.

Noble contacted me today and the first guy Sergio seemed to want to help and make arrangements. Asked me what kind of payments arrangements I could make. When I told him he said he needed to check with the company and to hold on. His "supervisor" then got on the phone and told me arrangements were unacceptable and I had to pay in full today. He pretty much told me that I was a criminal and did not believe anything I had said.
This guy was very rude and refused to give me any info or address about his company. I told him I was going to contact an atty and he told me how can I do that if I can't even pay my bills?
I finally hung up on him and researched Noble on the internet. I guess I'll just have to wait and see what happens. I feel a little better though about the threats since reading the stories on here.

What is a C&D letter?

Cease and desist.

This is a great web site. AFter reading these stories, I feel much better too; however, I did send them $25 via my debit card because I was afraid. I'm not even sure why I sent any money except they are very threatening, i.e., fraud, criminal charges all of that.

I would close that card if I were you and request a new one. If they are unethical enough to directly and boldly LIE to you, then they will have no problem withdrawing far more money than you authorize, and at any time.

ANY collection agency that is a LEGALLY operating business *MUST* send you a letter in the mail detailing the debt and their address where you can dispute it.

These people called me yesterday for the first time and the gentleman was vey rude and was threating me telling me that people was ent to my home they contacted my HR department and friends of mine. And if i don't pay them $400 dollars by the end of the call they will bring me up on fraud charges. These people claim that they were hired by a PDL i had took out for $150 and now i have to pay $400. This is bogus and these people ar scammers, they are very rude. I started to call his bluff and tell him they he was a scammer and they don't scare me and i was gonna call my attorney and go online and report them after that he hung up and everytime i called back i got no answer. Do not let them scare you they are just trying to get your money.

"What state do you live in and when was the last time you paid on the account? Have you pulled your credit reports? Does the OC's tradeline show a $0 balance and a Sold to another lender notation?"

I have one of these on my report dated 2004 for a cc i defaulted on in 1997 What does that mean?

And I am in Michigan

It means it's likely past the SOL and should be removed. File a dispute through the credit reporting agency. If you absolutely did not have that particular credit card it makes it easier (i.e. "I swear under penalty of perjury that I did not have an Aspire Visa - for example - in the year 2004. The last time I did have an Aspire Visa defaulted in 1997, and hence is far past the SOL and needs to be removed from my credit report immediately.")

Thanks for the info, I will try that for sure.

Thank you again ChrysHenderson for the advice, I submited a complaint via experians web site a few nights ago, told theim basically what you said to say, that I defaulted in 1997 and it should have been removed in 2004, and experian emailed me today to let me know it was removed.

i just talked to them and they try to scare me, they told me i have to pay three hundred first then today they called as if saying that i owed 210 more, i try to explain to them that thay told me only 300 but they try to insist that they told me 510 yesterday i told them if they have a copy of the contract they can send it to me and i can pay them but they won't and one of the guy even said that they don;t have a copy of the contract either and it was sold to them by th other company, i try to tell them that i try to call the other company who deposited the money in to my account but i can't get hold of them so how can i pay or settle with them

I have an $650 online loan with a company called cash supply and i couldnt pay on it anymore because they would automatically take out $150 every two weeks out of my account, and just couldnt keep up. so anyway someone contacted me about it with their collection dept. and wanted to set up an arrangement with me and said that i owed them $1010 because of the fees. I paid them back already about $300 and dont know if this is right or should I stop paying them or what?

First of all what state are you in? This will help determine what fees should have been charged on that loan. Second don't send any money to the collection company until they send you something in writing.

I have read all of the messages above and unfortunately, suffer from the same harassment calls from Nobel Recovery Services. I, too, was told to pay an amount - but was only given 1 hour to do so. I spoke with the "director" at 11 am (on 7/23/09) and was told to wire funds to the company no later than 12 pm. If I didn't, they would send my work legal documents to garnish wages. When speaking to them, I was told that I committed a fraudulent crime against a federally insured bank and that they will sue me for criminal charges, which will require me to pay up to 3 times the value of my loan, the bank fees, legal fees, court fees and Nobel Recovery's fees. Said they only get paid when documents are served. But, Mr. Bowen of NRS says that I didn't sound like the typical "criminal" that he talks to. That I sound sincere in wanting to pay the debt. He would see what he could do to get me out of the "fraud" status if I made the payment today. He also states, several times, that they are NOT a collection agency, rather, they are a fraud department. Sounds to me like they are a collection agency. I spoke with an attorney today to discuss this company. I was told they were doing things illegally. Was advised to call the FTC to file a complaint against this harassing company.

I filed a complaint today with the FTC. I was also advised by the FTC NOT to wire money to them until they can provide me paperwork regarding their company. Given that there are no information available online regarding Nobel Recovery.

I have done many research regarding consumer rights - to sum up... NOBEL RECOVERY SERVICES IS PRACTICING DEBT COLLECTIONS ILLEGALLY. They are using the scare tactics that cause stress and embarrassment with personal life and work.

After reading up on consumer rights from the attorney general's website, (CA), I have found that a class action lawsuit is possible if enough people/cases is brought. I don't know if this is something that I am willing to take part in now. All I want is for these people to practice debt collections legally and fair.

I guess this is a cry out to others, who are suffering like me. If there is anyone out there with the same issues and have found a way to resolve this - please reply to this.

I could really use the help! Thank you!

I have read all of the messages above and unfortunately, suffer from the same harassment calls from Nobel Recovery Services. I, too, was told to pay an amount - but was only given 1 hour to do so. I spoke with the "director" at 11 am (on 7/23/09) and was told to wire funds to the company no later than 12 pm. If I didn't, they would send my work legal documents to garnish wages. When speaking to them, I was told that I committed a fraudulent crime against a federally insured bank and that they will sue me for criminal charges, which will require me to pay up to 3 times the value of my loan, the bank fees, legal fees, court fees and Nobel Recovery's fees. Said they only get paid when documents are served. But, Mr. Bowen of NRS says that I didn't sound like the typical "criminal" that he talks to. That I sound sincere in wanting to pay the debt. He would see what he could do to get me out of the "fraud" status if I made the payment today. He also states, several times, that they are NOT a collection agency, rather, they are a fraud department. Sounds to me like they are a collection agency. I spoke with an attorney today to discuss this company. I was told they were doing things illegally. Was advised to call the FTC to file a complaint against this harassing company.

I filed a complaint today with the FTC. I was also advised by the FTC NOT to wire money to them until they can provide me paperwork regarding their company. Given that there are no information available online regarding Nobel Recovery.

I have done many research regarding consumer rights - to sum up... NOBEL RECOVERY SERVICES IS PRACTICING DEBT COLLECTIONS ILLEGALLY. They are using the scare tactics that cause stress and embarrassment with personal life and work.

After reading up on consumer rights from the attorney general's website, (CA), I have found that a class action lawsuit is possible if enough people/cases is brought. I don't know if this is something that I am willing to take part in now. All I want is for these people to practice debt collections legally and fair.

I guess this is a cry out to others, who are suffering like me. If there is anyone out there with the same issues and have found a way to resolve this - please reply to this.

I could really use the help! Thank you!

I was just called about my son with the same complaint that he is being sued for fraud etc ... You all need to file complaints with the attorney general in your area. These guys need to be stopped. Do not send any money because that would be acknowledging that you have committed fraud.

FB - just curious. Has your son filed a complaint with the attorney general?