payday loans

First of all, calm down. Non payment on a PFL is a civil matter not criminal. Only criminals go to jail. Additonally, at least in Ohio, an arrest warrant has to be issued by the courts before they can arrested you. Also, PDL companies and their collectors CAN NOT threaten you with jail time. Also, do not send them any more money. You were smart in using a pre-paid credit card. With regard to who they are, look in my signature block and you will two links regarding phone numbers, USE THEM. I have found that the links are very good in identifying aq caller. So now, here is what I suggest you do. 1) keep a record of all the phone calls you received and the nature of the call. 2) Get in touch with your state's attorney general office and the BBB. 3) When you speak with them again, again ask them for there identity. 4) If you are able to figure out who is calling you, send them a letter requesting that the validate the PDL. 6) Tell them, even if your not, that you are recording the phone call. 7) DO NOT cave in from fear and give them and personal or banking information. They can "scare" you all they want but do not give in. I had a situation whereby a collection agency called me on my cell phone and at work basically telling me what these guys told you. They also, contacted my sister, who live 50 miles away, and threatened her with jail time if she did not provide them with more information about me. hey finally stopped calling because I was not giving them what they wanted and I told them I am recording the calls. So, relax, you are not going to jail and you don't need to accomplish everything at once. Although the calls are annoying, the ball is your court. Good luck and let me know I you need anymore help.

You have done right by reporting them to the Federal Trade Commissioner. You must also report them to BBB and state AG. I'd suggest that you don't send them more money until they validate the debt. Ask them their address and send a debt validation letter.

By the way, which state are you from? Are payday loans legal in your state?

I agree with other posters, don't send them one more dollar! If they call again, tell them to send you something in writing on their company letterhead that the debt is in fact legal and in your name. I'm betting you don't get a thing. As SC said, you did good reporting them to FTC, and should also report them to BBB and state AG. If I were you, I'd also contact your state financial regulatory agency. And, for your own information, if they call or contact you in any other way, you might want to keep some sort of log. But I'm betting once you tell them no more $$$, they'll more than likely fade away. Please keep us posted.