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How can I stop the harrassment?

Date: Thu, 03/10/2011 - 11:09

Submitted by anonymous
on Thu, 03/10/2011 - 11:09

Posts: 202330 Credits: [Donate]

Total Replies: 9


In the Fall of 2008 I took out a $300.00 internet loan with LoanPoint USA. Over the following four months they withdrew a total of $1250.00 from my checking acct. and they said that was all interest I still owed $300.00 plus another $300.00 interest. I closed my checking acct. (after finding this site) and sent them a letter to let them know I knew they had no license in Mississippi. (I checked with the Mississippi Banking and Consumer Protection Office on this.) LoanPoint did call me (and my place of employment) for a couple of months after that--but eventuall they quit calling. (Even though in the certified letter I sent them I told them NOT to call.)

Then In Sept. 2010 I got my first of a cagillion calls from "First IRS". They say I owe $1400.00 and the original creditor is...LoanPoint USA. They called me and my place of employment two or three times a day. So, I sent them a certified letter--they never signed for the letter and eventually the letter was returned to me. I did find a fax # for them and sent them a letter by fax asking them to verify the loan and to correspond only in writing. They kept calling until mid January.

Now, I am getting calls from "Powell Law Office". Last Friday, March 4th I sent them a certified letter asking for verification of this loan and to only correspond with me in writing. Guess what, they keep calling. Now they are calling from the same # they have been calling from and also another number.

When they call my home phone # I never answer. When I see that # on my phone I simply don't answer. When They call at work and I pick up the phone I simply tell them to put whatever they need to tell me in writing and mail it and then I hang up. When my co-workers answer they ask to take a message--but they will never leave a message, they just say they will call back.

Is there any way to get the calls to stop? Should I send a letter to LoanPoint USA (since they are the original creditor) and tell them to stop giving my number to collection agencies? What in this world will it take for the calls to stop?


You send the letter to the collection agency that's calling you. You send it certified with a return receipt requested. Document all calls received after they receive your letter. If it's a CA in the U.S. and they continue to harrass you after receiving your C&D, you SUE them. Don't even talk to these people after initial contact. LoanPoint will bounce you around to other CAs. They just want your money. When they realize they aren't going to get it, they'll stop. Definitely file complaints agains them with the FTC and your state's AG as well.


lrhall41

Submitted by OhioGal1 on Thu, 03/10/2011 - 11:47

( Posts: 5253 | Credits: )


LoanPoint signed for the certified letter I sent them in Feb. 2009. I still have that little card. "First IRS" did not sign for the letter so after 2 weeks the post office sent the certified letter back. I faxed them. I sent the certified letter to "Powell Law Firm" March 4 2011. They have probably gotten the letter, but I have not received the little card that shows me if they signed for it or not. Who do I sue LoanPoint or First IRS or Powell Law Firm? How much does it cost to sue someone?


lrhall41

Submitted by on Thu, 03/10/2011 - 12:13

( Posts: | Credits: )


Thanks for your help OhioGal1. I will continue to document the calls from "Powell Law Firm". Hopefully I will get the little card back in the mail where they signed for the certified letter. I am also filing a complaint with the Mississippi Attorney General. The BBB already gives them ("First IRS & Powell Law Firm) an F rating so, I don't guess they care about that.


lrhall41

Submitted by on Thu, 03/10/2011 - 14:46

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