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Pay day loan from internet lender

Submitted by shelbysmom on Fri, 08/01/2008 - 10:30
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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 ??


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


Submitted by paulmergel on Fri, 08/01/2008 - 11:11

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.


Submitted by DOLLARSandSINCE on Fri, 08/01/2008 - 11:15

DOLLARSandSINCE

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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..


Submitted by shelbysmom on Fri, 08/01/2008 - 12:11

shelbysmom

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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.


Submitted by amiller2 on Fri, 08/01/2008 - 13:11

amiller2

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Call the number they called you from afterhours. Just listen to their greeting! They admit to being scammers. Was this done on purpose or what?


Submitted by on Sat, 08/02/2008 - 00:47

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If someones tells you you have 5 minutes to pay or else, I don't think you have too much to sweat about. Tell him, you are putting him on a speaker phone and have a colleague or two as witnesses. Or just tell him to please hold....and hold.
People like these are trying to scare you, they are waging a psychological war against you hoping you break down. They are bullies. My advice would be to stay calm, even if you just want to scream at them. Yelling suggests insecurity, threats are made to make YOU insecure. But do not threaten them back, unless you have something very solid to base your threats on, otherwise they will know you are just guessing. If you don't just want to hang up (you want to actually know what they have to say) then be like a machine when dealing with them. Don't show any emotion, and make you answers very short and every so often ask "sorry, what did you say your name was? who did you say you represent? How much did you say I owe? and other 'did you say' questions. This very well may caught them in a lie and also it will break their thought train a little. BTW, ask these questions in the middle of his sentences. It annoys the hell out of them, and is in a way a form of bullying - you bullying them in a non-threatening way! Show them you are not scared, that you know where you stand legally as well as emotionally, and calling you will not make you bow down and hand them your money. If you cannot keep calm, or if you feel they are getting to you, just put them on hold or say "sorry, gotto go" and hang up.
BTW, if you hear a thick accent, reply in thick accent. When they say the conversation is going to be recorded, tell them to wait a second, make a little noise, and tell them, that you are recording it too. If the calls at work may cause problems for you, just talk to the receptionist not to transfer any calls. She should ask them who is calling, and then just tell them, that no solicitation or personal calls are allowed. If they call at your home late at night, you just have to unplug the phone or turn the volume down. Or have your number changed.
And one final advice - do not give them any update on your situation, be it new address, new bank account -anything that has changed you keep to yourself. And don't even confirm any old information they may have. Just say" why do you need to know this?" " I don't think I have to answer this" etc" Good luck.


Submitted by on Sat, 08/02/2008 - 06:11

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