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I really need some advice and fast

Date: Thu, 11/12/2009 - 22:11

Submitted by anonymous
on Thu, 11/12/2009 - 22:11

Posts: 202330 Credits: [Donate]

Total Replies: 7


Ok so I get a phone call from A Christian Alexander and the first thing he says it "has someone spoke to you about check fraud?" the I answer no. He then starts to tell me that he is getting ready to file paper work against me for check fraud. I am so taken back and shook up that I tell him I need to call him back in 20 mins. He gives me his number and when I call him back he tells me I owe almost 1900 dollars for a online payday loan that was in Dec '06. I need to settle and pay 856 of it by the end of December or pay the full buy the end of Jan. I am still in a shock as I am talking to him. He said he need my information to set up the payments to be withdrawn from my account. I told him I was at work didnt have that info on me and need to see what I could pay. I told him I had a break tomorrow and I would call with th info, he said after today if he didnt have an answer he would send in the paperwork and would not allowed to talk to me he wold avoid my calls. He told me I needed to call tonight and leave a message on his secure answering machine with what plan I wanted and my credit card info so he had it when he walked into work the first thing. I have never recieved a letter or phone call at work from them untill today, when I asked why this was the first I was hearing it after almost 3 years he stated he had prof that they tried contacting me I stated I has prof they did not. No certified letter no messages at work and he couldn answer that. The company that he told me it was for I wrote on a paper but left it at work and can not get it now. (Now I remember have a loan but it was a bad time, went right into a divorce, lost the house, bank account close but I thought everything gotten tken care of, clearly not I over looked this.) The loan would have only been for 400 no more then 500, some was paid for sure just dont know how much. I tried looking up the phone number for this guy nothing is showing up 716-362-2481 and it says this is christian alexander with litigation compliance but I cant find that company either on the net. I live in Arizona also. So my question is do I leave a message with my card number and what plan I want to do knowing that next paycheck I cant pay the amount and will never make that full payment by Jan. Or do I see what really happens? No matter what I cant pay that by Jan I am paycheck to paycheck hoping my electric doesnt get shut off till I can pay it monday so to come up with almost 1900 dollars not going to happen. any advice?


1- Did you ever write a check to these guys? (hard to have check fraud without that)

2- Check fraud is a criminal matter. Unless this guy is a DA or SA (which he isn't), he has no powers to "bring you up on charges" in excess of what you would if someone wrote you a bad check

3-"litigation compliance" = word garbage. They likely just took two scary sounding words and stuck them together without regard to how stupid the phrase sounds

4- If you ask me, this call either came from the sham company you got the "loan" with or a shady collection agency. "Reputable" collection agencies (rightfully) get sued enough for FDCPA violations. Given the fact that the original "creditor" in this case has a high probability of being a criminal, this guy is a special type of scum.

5- what I would do = dont give him any account info. Instead, call the guy with a tape recorder on, inform him the conversation is being recorded and then ask him for his bar association #. When he fails to answer, make copies of this tape and send them to your AG office as well as his state's bar association along with a detailed account of what this guy has told you


lrhall41

Submitted by on Thu, 11/12/2009 - 22:34

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Quote:

So my question is do I leave a message with my card number and what plan I want to do knowing that next paycheck I cant pay the amount and will never make that full payment by Jan.


No, please don't do that. This is a scare tactic to get you pay them. Please don't fall prey for that. Most likely this guy is a scam.

Can you remember the name of the pdl that you had? We can then check up with the state licensing database for the licensing status of the lender. Also, please try to provide with the name of the collection agency, so that we can look them up for you.

For the time, just tell him that you need his mailing address to send the debt validation letter.


lrhall41

Submitted by SC on Thu, 11/12/2009 - 23:08

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Thank you guys for the advice! I will not give my info. I will call him tomorrow record the call and try to get the information you have mentioned and post it in the morning.

No i do not remember the company and will try and get it tomorrow. Again thank you I have been stressed out over this.


lrhall41

Submitted by on Thu, 11/12/2009 - 23:46

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Sounds like one of those shady outfits that buy PDL information and then try to intimidate people into giving them money. I most definitely would NOT give them any bank or credit card information based on a telephone call. If they call again, ask them to send you a letter on company letterhead stating what you supposedly owe and that it is, in fact, a legal debt. Personal opinion only, I'm betting you don't get a thing. (By the way, what State did you live in when you took out the PDL and do you remember what the name of the PDL company was? It's possible it's not even a legal PDL)


lrhall41

Submitted by on Fri, 11/13/2009 - 04:38

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i just wanted to say that the phone number you gave is from buffalo, ny and alot of the numbers fom there are associated with scam collection agencies. i was harassed by one of those CA's from buffalo trying to get money from me on a debt that was already PIF with the original creditor. i filed complaints with FTC and told the CA that i did that and haven't heard from them in a while. you should not even acknowledge this guy any more.


lrhall41

Submitted by on Fri, 11/13/2009 - 11:52

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