So I had 11 online payday loans over 5 years ago and (thanks to HUGE help from these very forums) ended up closing my account, blah blah blah, the whole nine to get them settled and off of me. A few of them even refunded money back to me! Since then I've never heard a word back from any of them. Until now. Three days ago I got a call from a "Monica Lewis" from some place called "Capital" and she told me I had a claim filed against me from said Classic Group saying they were charging me with breach of contract and attempting to fraud a financial institution and she wanted to verify my whereabouts so she could have me served "the proper documents". Then she gave me an option to "settle the matter" by paying $450. I told her I was unfamiliar with that creditor and she kept dancing around my requests to send me validation of the debt. Also she had called 3rd party members and told them that I was going to be served. So already she was in violation of 2 FDCPA rules. I think, anyway.
But now here's the rub. Five years ago, eleven online payday loans, it is certainly possible I used this company. I've done research and found that many of these "places" frequently change/use other names, probably to slip by the illegality of their operations. I tried to search for this classic group and found it practically doesn't exist except I found an email address for them that matches one of my old PDL's from then: they use .biz at the end of their emails same as excel management, which is slim but the only lead I have on this online PDL service. But I'm pretty sure that Excel was one of my PDL's.
So my only question really is: does anyone know if this PDL is tied with Classic Group and if so then is it legal or illegal? Since I can't find a single thing about it I'm guessing the latter. But it never hurts to double check. Thank you in advance.
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