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Debt Consolidation Forums Payday Loan help forums

Need Help with U.S. National Bank!!

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I apologize if this post comes up a second time. I tried to add a reply to another post but I do not see it showing up anywhere??

Anyway, I am panicky right now even though I am trying not to be based on what I have read here but it is still hard.




First of all calm down, there are alot of people on this board that will help you through this. The first thing you need to do is send them a cease and desist letter that will prevent them from contacting you at work. Do a search in the search box and you should be able to find one to use or simply type one up yourself and send that to them by email, fax and certified return receipt requested mail.

Then I would write letters to your state's attorney general's office, submit a complaint to the BBB. You are correct to request documentation in writing from them as to who loaned you the money, the amount in principal and interest.

Like I stated before someone will be along to post your state laws and help you further.

Sub: #1 posted on Thu, 06/05/2008 - 09:38

ladybug ladybug

(Posts: 2757 | Credits: )

I have had the same phone calls...from the same company. And I am waiting for them to show up at my work to take me away...is what they said. The group has apparently been in trouble with the government but keep changing their name. I spoke to someone at BMG (Bahaman Marketing Group)who I took the loan out with and paid. What is happening is this company has old records and keeps calling on people with threats. I will tell you the threats are hard to take because as a law abiding citzen I always try to make things right. And when someone tells you they are going to press charges and you are going to jail...my blood pressure arises.

But I understand where you are coming from.

Sub: #2 posted on Thu, 06/05/2008 - 09:44

Unregistered


Guest, do not waste your time or energy calling an attorney. The threats that they are making, they can not follow through with. If they claim to be collecting for pdl, send them a request for debt validation and be done with them. Just be sure to send the letter certified return receipt requested. Here is a link with a letter you can use as a template.


http://www.debtconsolidationcare.com/settlement/about3452 0.html

Sub: #3 posted on Thu, 06/05/2008 - 10:14

RoxyNY RoxyNY
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(Posts: 4178 | Credits: )

Thanks, Roxy. I didn't realize I was signed in as Guest. I do plan to send this but how do I get them to quit calling?? I am scared to death they will call my employer. Also, how do I report them to the authorities and to whom??

Sub: #4 posted on Thu, 06/05/2008 - 10:25

Unregistered


I am preparing the letter you sent. I have a couple of questions. I note the letter says I request they do not contact me anymore via telephone at work or at home.

Is there something I can put in there that will keep them from calling anyone at my place of work?

Is there something I can put in there that keeps them from calling people I know. I believe they may have called one of me neighbors.

I do not have an account number to put on the letter. They never would give me one. Should I just put my name?

Also, they gave me two different names of companies (one time they said they were calling from Morgan and Associates and another time they said they were U.S. National Bank). Should I send to both names at both addresses they gave me?

Sorry to ask so many questions. I am just so worried about my employer. Thanks.

Sub: #5 posted on Thu, 06/05/2008 - 10:36

Unregistered


j, that is ok...what I did was send the letters to whatever names and addresses I had..when I got my green cards back I attached them to my letters. You can add the clause to the no contact paragraph about not contacting your neighbors or relatives or co -workers, you are giving them an avenue to contact you through written correspondence. I did not have account numbers either so I put the last four of my ssn... If they are indeed a 3rd party CA then they have to follow the fdcpa, so after you get your green card back verifying they got your letters, start keeping logs of when they call etc. If they violate the FDCPA, then you can take it to the next level. I explained to my employer what was going on and that the debt was paid but the company does not want to recognize it and I am trying to rectify the situation through legal measures but the CA is violating the law. In your case the debt is not yours so you can tell them that.

Sub: #6 posted on Thu, 06/05/2008 - 10:46

RoxyNY RoxyNY
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(Posts: 4178 | Credits: )

Thanks, Roxy. Just to make it clear, I do have one, maybe two outstanding payday loans that I did not totally pay off about 3 or 4 years ago, however, I never had one with Cash Today. I am wondering if the guy might have a collection from one of the others when he said it could be any of 250 companies?? But, at any rate, I do not and never have had one with Cash Today. I guess I need to still send the letter since I am asking for validation of the debt??

Sub: #7 posted on Thu, 06/05/2008 - 10:50

Unregistered


J, it is me Roxy for some reason I can not log in...anyway, yes send the letters. And technically, they are trying to collect a debt that is not yours if you never had a loan with Cash Today. Think about this...when you applied, you gave them all your info inculding your DL number and ssn...that is poor record keeping on anyone's part if they can not tell you who your loan is with, and since they can not tell you, it just goes to show, they are trying to scare you into paying and get money from you. Make them validate it...odds are, they can not. That may atleast get them to stop bothering you. :D

Sub: #8 posted on Thu, 06/05/2008 - 11:37

Unregistered


Hi, Roxy! It occurred to me I would like to send these overnight so they will quit calling me. However, then I will not have the return receipt. Should I go ahead and send them regular mail with return receipt so I have those back? I am just worried they might call my employer in the next few days??

Sub: #9 posted on Thu, 06/05/2008 - 12:03

Unregistered


There is no such company as US National Bank. They are a scam collector and their is no reason to put up with there crap. You could sue them if you could find them. You would win by default but you probably could never locate them. Just hang up after telling them where to go!

Sub: #10 posted on Thu, 06/05/2008 - 12:34

Frogpatch Frogpatch
Moderators Cum Industry Expert
(Posts: 5382 | Credits: )

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