Serious help needed don't know what to do

You can ask your bank branch manager to revert the money. You should have done that long ago. Next visit the county court clerk office and check whether any lawsuit has really been filed against you. Another thing, if they have really filed lawsuit against you, then you should have been served with some court papers. Have you received any such thing? I am guessing that it is scam. Anyway, if a case has really been filed against you, then consult an attorney and listen to his/her opinion regarding this issue.

The company has scammed you and deposited the money in your account. As a result, though you did not ask for the loan, you became responsible for paying it. Contact your attorney and he will check out whether or not they have really filed any lawsuit against you. Also, the attorney will guide you as to what steps you need to take in order to deal with this scam company.

As long as you have a copy of the debt validation letter and proof they received it you are OK. Even if they do have a suit against you (and I doubt they do) you can have it dismissed on the grounds they did NOT validate the debt, then you can turn the tables and sue the crap out of them for violating the FDCPA, they are in non compliance for attempting to collect during the validation period and proceeding with a law suit without providing validation.

I bet they are just saying there's a lawsuit when in fact there isn't at all.

Shazzers I it's me ballplayers mom just rushed through so didn't log in. The company that original contacted me a year ago about this loan never contacted me again. This is someone different. I have the letter I sent to the original company but no proof that that they didn't validate but they didn't. Is united arbitration process servers a ligit company???? Should I just contact them and pay them back???? Omg I am so supercstressed right now. I have not received anything no papaers have been served to me and when I google the number scam is written all over 800notes. What do I do???? Do I contact these bottomfeeders??? Do I contact my bank as someone recipient suggested a reverse the funds??? From what I read money and more is no longer in business. I need u to talk me through this please

Ok I just listened to the message again and he is special investigator Stephen Taylor. Also the original creditor was apparently money and more than they sold it to SKW Capital LLC who then sent it to P&B Capital Group who last year contacted me but never validated now it is at United Arbitration Processing.

Another thing I do not have an attorney nor can I afford one!

well for one MONEY AND MORE is an illegal pdl that does just what you described.put money in people's account without their knowledge,or consent.second both SKW,and P&B are bottomfeeding jokes that use the "pending lawsuit"threat to get money out of people.do a search in the bar top right for both SKW and P&B.there should be an address to send them a DV letter as well.yes i saw where they did deposit,but as you know ballplayersmom you are only obligated to repay the principle.btw united processins has a thread or two so do a search for them as well.above all else do not pay any of these places without something in writing first.last thing this person broke the law as saying he is a "special investigator"is misrepresentation and illegal so i can practically guarantee there is no lawsuit period.

So Paulmergel, what is my next step, what do I need to do??? Do I wait for them to contact me again, or do I call back and ask for validation of the debt? I am willing to pay the principle as it was in my account. Do you suggest I call the county court house??? I dont even know what to say to the court house...can you tell I am freaking out??? From what I guess, Money and More sold to SKW who sold to P&B who sold to this United Arbitration Processor. When I called yesterday I blocked my number and acted like an attorney trying to get some information for my client and I could here people in the background talking to other victims and telling them things such as when they paid them then they would get a pif letter and that they couldnt send them anything until they received the money. Also the woman I spoke to was yelling at me because I was prying her for information about the company and she was screaming at me stating that I was harrassing her and tying up her line.

yep when they call again,and they will call.demand (yes demand)something in writing.i would if i were you file a police report as with every call and message they break the law with their threats and demands.again yes demand something in writing.btw just by your post above that the rhetoric about sending letters after they receive the money is a major red flag.

Ok well I just called my county courthouse. This is what they told me, they have nothing pending against me currently. She also told me that in no way would they be coming to my house to serve papers. She said that any small claims or DC case under 3,000 is sent certified mail. Noone comes to your house to serve papers on a claim such as a pay day loan case. She gave me her direct line and she said I can call back periodically. She also told me what the official documents would look like and say if they were valid.

well there you go.a total scamola.

I think so....But honestly I do owe the principle in this whole deal. And really the worst part is that during the time that I see it was deposited it was a small amount like 250.00 deposited with like 10 other payday loans so I never saw it. And they never debited me anything after the credit. What the heck is that? I had a total of 14 loans and all I repaid the principle and interest on. All debited my account on a regular basis which is how I found this site. Its a shame the havoc these loans have played on so many of our lives, the hours I have spent trying to fight and research while trying to maintain a normal life is soooo hard! Thanks paulmergel for your advice I will keep you posted.

well it is not your fault this scam did this.they illegaly put money into your account,and you had no idea until they called.they sold it to scamming bottomfeeders.too bad for them.

Shazzers, I did find where I originally sent the debt validation letter to P&B Capital Group I have the green return receipt card. I thought I did but thought I had lost it. So I do have proof that I sent a debt validation notice to P & B but never received anything.

I just read all the post. Thank you so much for verifying what I figured that United was a scam. They began calling me today and when I googled the 800notes complaints came up. Also when I called the number, it states to call "during normal business hours" Hell, its 2:45 CST. What is their definition of normal. Thanks again.

Well I am assuming it's a scam I pressed option 3 and acted like I was a lawyer calling onbehalf of my client. The woman was very rude and I could def here people talking in thebackground. Def not professional. The only thing I know right now is that currently no legal action is pending. Also Ms B did u ever have a payday loan?

You won't need to do anything, just don't buy into this because it is nothing more than BS. I am going to give you a couple of links, one is for a free fair debt attorney in your area, the other will explain how to deal with collection calls.
http://www.fairdebtforconsumers.com/

[URL=http://www.debtconsolidationcare.com/forums/showthread.php?p=800358#post800358]CLICK HERE[/URL] to find out how to deal with collection agency phone calls.

Thanks Shazzers I appreciate the links, do you think I need an attorney if these are scammers? Other question is since I do owe the 250.00 and they are scammers do I attempt to pay them back? If the original company scammed me and I didnt know they deposited the money and noone is sending me a DV letter really what am I suppose to do? If noone sends me a DV letter and the PDL was illegal in the first place, do I ignore it until a reputable company contacts me? Or will there be no reputable company?

If it were me, I would just tell them exactly what I posted in the thread that tells you how to deal with collection calls. If you never receive a letter of collection, then you will know it was all BS. I wouldn't worry about an attorney quite honestly, this scam has been happening for years.

forward the information to your local law enforcement agency and also give the number to the FBI.

The FBI will give you a case number etc.

Anytime you ever get a call do the following:
1. date and time of call
2. to whom your talking to
3. general information what was talked about.
4. never ever give any information about you
5. never set any schedule with them
6. just say no, prove it then hang up.

last use your computer enter the phone number they gave you in the search area then press enter. Your computer will get info about that phone number. Most likely it's from some lazy ass bum or worst.

Whenever you have no idea what to do a simple call your local law enforcement agency is a good place to start. Please keep in mind that this is a general question never use 911 unless it is an emergency.

Hey it's a debt. Ignore it all. If it is serious you'll be served papers. A courier or a neighbor taking you a note doesn't count.

If you want have fun with them. Call them back. Your goal is to spend 1 hour on the phone with them. If not a full 60 take what you can and call them back. Call them back as many times as necessary to take 1 hour of their day.

If you get stuck remember they do not want you to pay this because if everyone paid they'd lay this person off wouldn't they?

They need you to not pay. Have fun with it and good luck!:)

for one we don't advise just ignoring anything until it's established the place calling is a bottomfeeder.two if a place threatens arrest,or court i practically guarantee no papers are coming.the FDCPA exist for a reason.i suggest people use it instead of drawing assumptions,and blindly ignoring it,or engaging idiots trained to engage.appreciate the effort,but the execution left alot to be desired.btw yes while i have advised eventually ignoring bottomfeeders.that is after all the complaints have been filed against them first.