Locating Service
Date: Tue, 04/16/2013 - 07:18
I fell into the payday trap a few years ago. I have paid so much in interest that it is insane. I live in Ohio and all of my PDLs are legal. I had three. In December I closed my bank account and asked for EPPs with two of them. After I asked for the EPP I realized I wasn’t going to be able to swing the payments. I talked with a loan consolidation company and the man suggested that I let the accounts go to collection so that I could negotiate a lower payment plan with them. Last week I received my first collection call. The left me a voicemail stating that I was being notified that I needed to call this 1-800 number before further action was the be taken. I called the 1-800 number. The man explained that Check N Go turned my account over to them and that they were using a locating company to find me. Why, I do not know because I have not changed my telephone number or moved. The man also told me that Check N Go was looking to sue me for breach of contract with them because I closed my bank account. (I did notify them that I was revoking all ACH Authorizations) Long story short, I set up a payment plan with this company to pay off the debt. In the mean time though, the locating service that they used called and left a message on my brother’s answering machine stating the same message that I received. Is that legal? IT stated my name and everything. I have never lived with my brother, so I am unsure how they even got that telephone number. Now, I am a little weary that this collection agency may be a scam. I called Check N Go to confirm that they turned the account over, but I haven’t heard anything back yet.
What's the name
What company/collection agency is it? in many states have have to be licensed. In any case, generally they cannot tell anyone else any specifics of why they are contacting you unless there is already a judgement or court order in place.That is a violaton of the Fair Debt Collection Practices Act.
I personally wouldn't do anything until you hear from Check N' Go and verify that this is a legit company.
Beyond that, follow the instructions in the "stickys' in these forums for dealing with collection agencies.