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Pay day loan from internet lender

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im at a loss..i had taken out several pdl's back 1-2yrs ago - so many charges that my checking account became overdrawn and it was overdrawn for so long that the bank closed it. i honestly have no idea if all pdls were paid in full - but i have paid personally the ones that contacted me. Just today I was contacted at work by a foreign man from a local phone number in town stating that i was being brought up on charges of fraud and criminal etc and owed (with fees ) over 5200$ - everytime I asked him who he represented and could he send me something showing where this amount came from - he just kept saying no you have 5 minutes to make payment on this to me over the phone or we will contact the authorities to pick you up at work. He had my bank account name and account # which was closed 2 years ago - the only fee that was still open with the bank ws $ 94 and I paid that off personally.
what do i do about this - and can they do what he is threatening ??

It sounds like a scam !! Don't believe it or buy into it, if they want to sue you, then they need to go about doing it the proper way. Next time, hang up immediately, this has to be a scam! :shock:

Sub: #1 posted on Fri, 08/01/2008 - 11:07

Shazzers Shazzers
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yes shazz,it is a scam.this foreign man is calling from INDIA to a looks like he's calling from a local# but trust me,he
is not even in this fact,it sounds alot like US NATIONAL BANK.i think they get teletrack reports and harrass from not talk to this idiot any further.

Sub: #2 posted on Fri, 08/01/2008 - 11:11

paulmergel paulmergel
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No he can not do what he was threatening. Call his bluff and tell him you will be at work all day and would love a tour of your city in the backseat of a police car. Just tell him to F-off and hang up. DO NOT give him any updated info especially bank info. I would just tell them they have the wrong person and you never took out a PDL in your life. When they try to verify any info tell them that its not you. They will probably harass you at the phone number they have for a while until you quit taking their calls so its best to just hang up when they call or better yet tell them you were fired or quit.

Sub: #3 posted on Fri, 08/01/2008 - 11:15

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goodness you are all so helpful...i have worked really hard to pay off the pdls and get myself back on track - this guy scared the shi# out of me...i have been with my company for over 14 years and I was thinking he is coming to arrest me...

Sub: #4 posted on Fri, 08/01/2008 - 11:23

shelbysmom shelbysmom

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Yeah don't sweat it. He is just trying to scam you out of money by harrassing you over the phone. Give them a dial tone as soon as they call.

Sub: #5 posted on Fri, 08/01/2008 - 11:57

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if i do still have an outstanding PDL - arent they obligated to at least give me something in writing - heck i dont care to ensure they get paid back the actual loan amount - i just dont know if or what that amount is -
and the fact that the bank closed the checking account due to the crazy fees that were stock piling on it has made me franktic..

Sub: #6 posted on Fri, 08/01/2008 - 12:11

shelbysmom shelbysmom

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and not to double post ...but in Ohio...what are the laws on the PDL recovery ?...Is it a criminal issue or is it Civil???

Sub: #7 posted on Fri, 08/01/2008 - 12:15

shelbysmom shelbysmom

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yes, absolutely they are required to document this in writing. if you were really being sued, it would not be by telephone.

Sub: #8 posted on Fri, 08/01/2008 - 12:18


Definitely a bluff and/or a scam. You cannot be arrested or ciminally prosecuted for outstanding debt. The only possibility is skipping out on something like child support payments, or refusing to pay court ordered judgment.

If anyone calls on the phone demanding money for an outstanding debt demand in writing an itemized list of all charges.

And like the above Guest said, a civil lawsuit notification will not come over the phone. It will be served by a court clerk in the form of a signed court summons alongs with a copy of the plaintiff's complaint.

Sub: #9 posted on Fri, 08/01/2008 - 13:11

amiller2 amiller2

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They are obligated to send you statments per your request but these guys will never do that. It is a scam. If it was a legit debt then a normal CA would send that stuff and not try to hide who they were and what they were collecting for.

Sub: #10 posted on Fri, 08/01/2008 - 14:08

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