I spoke with a gentleman from the above mentioned "firm" the other night. Apparently he skipped calling me directly and went straight to my parents and my uncle to get me to call this guy back.
I called him back and he said that he had an account from a PDL that was initially $300 and has now grown to over $1,000 with interest & fees from 2006. He stated that the client had sent me 14 letters of written communcation (apparently it was from loanpayday.com, which doesn't seem to exist), called me several times about the transaction, and now because the amount due is over $1,000 they are claiming it's a felony and that I will have to go to court over it. No mention of me getting arrested or anything like that, but I have a feeling that was what he was implying based on the messages he left with my family.
I can tell you that they do not have my current mailing address, nor do they have any information about me other than my current phone number and my old mailing address.
To be honest, I don't know whether I owe this money or not. There was a time when a lot of money was being taken out of my checking account fradulently, and while I did have a PDL at the time, I don't know if this was satisfied or not. My account had closed so if this alleged creditor tried to get money from there, the transaction was rejected.
When I inquired with the guy from DT&A, he asked if I did this on purpose. I told him no, however I was not comfortable giving him any personal information over the phone for fear of more fraudulent activity. I asked him to send me something in writing, as I felt that logically, anyone from anywhere can call me saying that I owe money and they can turn out to be another scam artist. He e-mailed me a copy of a "settlement letter" on their letterhead (which, ironically had a gavel as a watermark in the background) before the holiday yesterday. He just tried to call me now, but I wanted some feedback. He told me on the phone that I am unable to dispute the amount owed because it's now in their hands and that I had a chance to do that previously.
Can someone confirm that with me? Do I still have a right to dispute this letter? I want to be able to send it out tomorrow morning via overnight mail so he gets it on Monday.
Also, I did ask him to stop communicating with family members and only call the contact number they have for me going forward. So are they a collections agency or an alleged law firm? Can I still send them a dispute letter?
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