Legal/arrest threats

First of all - there is no such thing as a debtor's prison. Secondly, he is just trying to scare you into paying. Dont pay attention to him.

I have learned this from others on here - I am sure they will post more soon.

It is all lies . . . . They are the ones breaking the laws. I would just ignore them. They cannot do a thing to you. There is no debtors prision. You cannot go to jail or be arrested for not paying on a loan.

Smiling , keep smiling. It is nothing more than idle threats. These people will say anything to scare and intimadate. They can not arrest you.
Do you need the laws for your state, or did you get them already

That is 1 of the MANY things I have learned on this site- they cant arrest you...I got the same crap last year but it was I was going to be "downloaded" to my county if I didnt pay them.....I'm still here :D looks like you have overpaid them? I would think...

I just tried the number and there is no extension of 3291. Its someone that works for the lender as they offered many extensions and one of them was loans.

You will find the Payday loan laws for South Carolina here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

I posted your state's laws. clearly says criminal action prohibited. No one will arrest you. No one can

tweety- Downloaded? LOL!! I love it when these people that call try to use big words...and then they make no sense at all.

Volley, it is very funny. They must think that everyone they speak to is an idiot. WE have made mistakes, but we are far from stupid.I think next time someone says something silly like that we should just ask them what they mean,and then laugh, because they wont be able to explain it. BLah blah blah

Yea Kash..its ridiculous. When I think of a human being downloaded, it makes me think of the movie "The Fly" or something...like being teleported.

So dumb I'll tell ya...

I'll tell you what......they ( I found out later from this site it was Bass and Associates that called me 1 friday in april last year) scared the $HIT! out of me at work......I heard the famous "downloaded" that day....I was so scared I thought the police was coming to get me...I cried all weekend....it was horrible :evil:

Smilingfaces: This exact same thing happened to me with one of our ipdl's. I too paid more than what I owed even with the finance fee. This man called me and wouldn't tell me the company he worked for and also that someone would show up at my husband's job to incarcerate him. I almost laughed in his face because I was lucky enough to find this site before he called. I listened to him for a while to see what he had to say and he offered some ridiculous settlement amount (on a $150 loan), and then I told him that I would only pay back what I borrowed plus simple interest. He said ok hold on let me see if that will work, then he put me on hold. While I was on hold I started thinking wait a minute I've already paid so what am I doing talking with this loser? So when he came back he said another high settlement amount and I asked him how he could justify requesting that when they are not even licensed to operate in my state and my state law prohibits them from lending to anyone here. He said oh you want to talk law with me? I'll talk law. I said yes as a matter of fact I do what you got and he just got mad. Then at that point I said see ya and hung up the phone. Someone else, a woman tried to call maybe two times after that and left a message acting like they were talking to the wrong person in the first place, but then I never heard from them again. Not a phone call or one piece of parchment in the mail.

We had another post about that too...being downloaded...and then someone else was going to be uploaded and then I remember saying that I hoped while they were doing that to me they would acidentally hit delete! They are all so full of it...trying to scare poeple...if they were half way decent none of us would have had any issues with them at all....

Billy, dont let your guard down. Some of these IPDLs go away for a while, then when you least expect it they pop up again. Stay on your toes, these peole are relentless

Morningstar, I almost spit out my soda in laughter!

I would tell them"..sorry, you cant upload or download me as my ISP wont allow it" and see what they say.

tweety-Sorry to hear about the scare... :(

Thanks- It was awful....then I spent about 2 months reading all the posts I could of different ipdl companies before I joined and I leard ALOT....I love this site...

Tweety, we all love this community. It has really been a blessing to find this site and these people.I often wonder where I would be today if never had stumbled upon this place

exactly

The best piece of advice is to try desperately not to take the phone calls. If at all possible, do not speak with these pdl's via telephone. If you get stuck on the phone with them, hang up. I know it's hard to do if they call your place of employment, but if you can "get around" receiving calls, try to. If they call your home/cell phone & you do not recognize the phone number, do not answer it. It's not worth the stress or energy to argue with these law breakers. They will lie, they will threaten, they will scare you to death. And for what? To try to get more money from you when they aren't even licensed/legal. If at all possible, please try not to take any calls. Don't even attempt to reason with them. They will eventually resort to email or USPS once they realize you are not going to speak with them via telephone.

Once again very good advice. I have gotten very good at taking messages for myself. Since evidently I do not go to work anymore..according to the line I give the pdl companies. I also forget to give myself the messages but manage to respond by e-mail every time.

Oh, roxy, by the way. Got a phone call at work today. Gee, "she no longer works here". Huh. LOL! :lol:

That's my story and I am stickin to it!!!

I have learned from the best. I will not let it be said I don't listen to good advice... :D

Thanks, roxy! When you're dealing with "slick" people, you have to become "slick" yourself! :wink:

Cannr - you do not know the half of it. I am finding a whole new side of myself...Scary part..I'm kinda liking it..I am going to overcome the whole 50's old school brainwashing if it kills me :lol:

Hang with me, girlfriend! :D

I am there every step. :D

I not only do not work where I work, i do not live where i live , and mty telephine # is no longer my telephone #. One place called and i said I no longer live there, they asked who I was and did I know that taking over someones identity was a crime. They told me it was a crime to move into some ones home and keep the same phone number WTF

Ok, like you couldn't have just changed your number and someone got your old one!! That's a riot. I used to work for Verizon the phone company and people would call everyday to change their phone number because they were "being harrassed". It's so funny how these people just don't have any brains. I am the daycare provider when people call my house looking for either me or my husband. Funny they don't know that's it's me. They always ask my name. It's always Sharon. Our community is very empowering. I feel stronger for just being here. I let things overcome me for a long time, but I'm not going to let that happen anymore.

I am usually 'erica" when these people call, and I never have heard of "myself" when they ask. It really is funny at times. It amazes me the questions that these people ask when I say its not me. They accuse me of all sorts of things , and tell me I can be arrested for using another persons address, phone number etc. How stupid are they?

That is so ridiculous. I can and can't believe how stupid people can be sometimes. If someone told me that they never heard of someone I wouldn't think twice about saying oh well, I guess I got the number wrong or they must've changed it. Just because you look someone up on the white pages doesn't mean that the information is correct. I used to do background checks and I know what it's like tracking down a person. I also know that these people aren't going to go through the same extent as to which I had to go. It's basically a list of things you have to do when you come in to work that day. Boss: Here's your list of debtors to call. When you're through call them all back again. Employee: O.k. you're the boss. They don't want to go and try to find another number. Not like there is one, but still. I would write it off as a dead beat phone number. haha

Smilingfaces, don't worry about it. Those creeps love to get us all freaked out so that they can steal our money. I also live in SC and no one ever picked me up. They are a bunch of idiots. I think they get their kicks out of scaring people.

It must be enjoyable for them otherwise why would they show up for work everyday? I couldn't do it. I couldn't be that heartless to people. It's kind of funny I just checked my email and had one there that said from CashAdvance and the subject was "Do you have a bank account?" How funny. They really do think we're stupid.

Yeah, we do take all the joy out of it for them. By not letting them , yell, curses and harass us, their day must be so dull. On the other hand my day is really fun, when I get to turn the tables on these guys.

Yeah good times... I wish I had one of those telephones where I could see the person I was talking to just so I could see the expression on their face when I concoct some of this stuff. But it would have to only work one way. They of course should not be able to see me. That's not allowed.

Kash-A crime to take someone elses ph#?? Yea, like the people calling are so well versed in what is a crime and what isnt. LOL!!!!

Someone named Troy Paysley called me today from this number with the most "girlish" sounding voice threating me. I could not help but laugh at him as he screamed I was getting arrested by 5pm today for not paying my payday loan. I stated I never had a payday loan and just got my phone number last month. He said I was lying and it was a crime to state I was someone other that I was. He continued to yell and I told him to give me his information as my husband is a federal prosecutor and would have him call him. He said is was a crime to lie. I stated my husband really is a federal prosecutor and he hung up on me. I called my husband at work and he told me just to change the phone number as these people work out of "boiler rooms " from the Caribean or other places and not to get worried.

Wow. That's just crazy.

Cab, It is amazing what these people will tell you. i am so glad that you didn't get crazy scared. Good going

Yeah a new phone number has recently staring showing up the old caller id. I am wondering who it is. I just don't want to pick up the phone. I don't like talking to those people because I get really mad. But this is the number 408-538-2809 And they call every few minutes.

I googled the number and I got an internet mortgage co

i actually called and was told it was a insurance co???????????????????????????

From what i am reading this has something to do with Lending Tree.That is all I can find

408 is out here in the San Jose area....

Well, I call and get a busy signal. It's listed as a "landline" in Santa Clara County, San Jose, CA. Still searching.

Interesting when I google. Must be "pajama man". Check it out:

I am recieving at minimum 5 calls a day for the past two weeks at my place of employment. There is no response when answered. I am filing a complaint with the FCC.

Call every 8 minutes for about an hour all week.

This is an internet mortgage loan company. They became very rude when I asked them to stop calling.

This people called me too, over and over. Then they wanted to have gay ****. Ewww.

I mistakenly provided my phone number to lendingtree.com and now I get calls from 408-538-2809 atleast 7 times a day.

[color=Red]****Adult term removed - Jason[/color]

Yeah , it took me a while to get thru also. Anon Risk management, a mortgage co affiliated with Lending Tree.
WTF
This is from me Kash, Iam running out and didn't sign in
peace out guys

I am dying here!!! Tears streaming down my face in laughter!

I dared my 14 year old step son to answer the phone and tell them to go to hell. He didn't of course, he thought I was setting him up to get in trouble. I'm glad my boys know better. =) I know I did not fill out ANYTHING online or anywhere for that matter for any type of loan. Right now I'm just trying to hold on to my house and get by until the cash flow problem lets up, so that I certainly did not sign up for.

You guys are just fantastic. I would have usually done that, but I'm just so busy lately. With the daycare and my other business. And then of course being a mom and a wife that takes a lot out of me! Thanks again.

Oh man!!!!!!!!! That is TOO much, lol!!!!! Cannr, if I got a call like that at work from a guy wanting to have gay ****, I would have to say something like, "well, you are VERY confused here, as you're speaking to a woman," or something along those lines...
OK, I lost something in my menopausal brain here...but how did gay **** come out of the other phone call?

[color=Red]****Adult term removed - Jason[/color]