question about being scammed
Date: Fri, 02/08/2013 - 09:22
Witherspoon, Ryan & Associates
P.O Box 95
3319 N. Cicero Avenue
Chicago, IL 60641
Phone: 1(312)445-8746
Date: January 24, 2013
Status: Legal/Settlement
Acct: BMG
Acct#: 88965478
Balance: $1560.00
Settlement: $397.18
Case Number: 562356
Type: Secured Loan – Return ACH
Witherspoon, Ryan & Associates, has been assigned to your debt referenced above. In our attempt to rectify this without added expense to you, we have authorized a settlement on the above referenced account in the amount of: $397.18. A secure instrument must be placed on file as of 1/24/2013 regarding your arrangements. Your payment terms are reflected below:
Amount due Date due
$198.59 2/8/2013
$198.59 2/28/2013
Upon completion of your arrangement your account will be considered legally settled and will be reported to the major credit reporting agencies if applicable.
Be advised we reserve the right to advise our client to pursue this matter in court under applicable state and federal laws should voluntary arrangements not be made.
Please allow up to 60 days for the update to reflect on your credit bureaus and maintain a copy of this letter for your records. Failure to comply with this agreement will nullify any reduction reflected in overall arrangement.
If you have any questions relative to the above referenced account, please do not hesitate to call our office at 1(312)445-8746. Federal law requires we notify you this is an
WAS I SCAMMED AND WHAT SHOULD I DO, I ABOUT TO CALL THE BANK AND FILE A UNAUTHROIZED USE BECAUSE I NEVER SAID BROWN AND BREWER COULD CHARGE.
Dear Witherspoon Ryan and
Dear Witherspoon Ryan and Associates
I hereby demand you cease and desist any and all contact with me by any and all means. I also demand that that do you not contact any of my family, friends or associates.
In your email you indicated this is a "secured" loan. A payday loan is an unsecured loan. It is not secured by an collateral or property.
A 1998 state law prohibited check cashing businesses from advancing money on a post-dated check. Thus this loan is null and void. On top of that the statutue of limitation on promisorry notes in the the state of PA is 4 years. Even if the loan was enforceable it is time barred.
I do not expect any thanks for informing you of Pennsylvania state law. I am sure you are aware of it but you choose to play on the ignorance of consumers. I will not be scammed. If you violate this cease and desist, I will be happy to pursue you for damages under the FDCPA.
Govern yourself accordingly.
Educated consumer
