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Arrest for defaulted payday loans??

Submitted by on Sat, 05/05/2007 - 06:58
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Can you be arrested for a defaulted payday loan?


I took out two pay days loan back in 2007 each is at 500.00 .after that i was laid off and moved to different city still in california, now i get a call saying that thwy will send it over to my county to have an issue of warrent to have me arresst...they claimed i took out a loan in internet that is a criminal defense help


Submitted by on Wed, 08/04/2010 - 14:23

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Ok i took out two different payday loans one for 200 and one for 250. I got put in the hospital and have been off work for 6 weeks therefore fell behing on my payments. I just got a call about an hour ago at work mine you from a man telling me that 3 different types of felony charges have been brought against me for nonpayment fo the loan. I payed 60 dollars every two weeks on one and 75 every two weeks on the other. They said I know owed 895.00 and i had till 5 oclock today to call back with a prepaid credit card and settle the debt or I would be prosecuted. They wanted me to fax a letter to them stated I agree I owe the company 895.00 and a copy of my drivers license. I live in Arkansas and the call was from New Jersey. Can they do this to me? LESSON LEARNED


Submitted by on Fri, 08/13/2010 - 12:45

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Quote:

Originally Posted by Anonymous
Ok i took out two different payday loans one for 200 and one for 250. I got put in the hospital and have been off work for 6 weeks therefore fell behing on my payments. I just got a call about an hour ago at work mine you from a man telling me that 3 different types of felony charges have been brought against me for nonpayment fo the loan. I payed 60 dollars every two weeks on one and 75 every two weeks on the other. They said I know owed 895.00 and i had till 5 oclock today to call back with a prepaid credit card and settle the debt or I would be prosecuted. They wanted me to fax a letter to them stated I agree I owe the company 895.00 and a copy of my drivers license. I live in Arkansas and the call was from New Jersey. Can they do this to me? LESSON LEARNED


no they can't do this.first file a police report for the call as debts are civil matters.whoever this is broke the law in threatening jail.next use either the number you have,or name of the place to file AG,and FTC complaints.do not fax them anything.do not pay these idiots a dime.


Submitted by paulmergel on Fri, 08/13/2010 - 13:15

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Quote:

Originally Posted by big_breaud
Can you be arrested for a defaulted payday loan?

can you be arrested for not paying loan from lender in the east coast and iam in california, they are calling my job threating to come and arrest me or serving me with papers to pay back 1900.00 when the original loan was for 200.00


Submitted by on Fri, 09/24/2010 - 07:53

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Quote:

Originally Posted by Anonymous
can you be arrested for not paying loan from lender in the east coast and iam in california, they are calling my job threating to come and arrest me or serving me with papers to pay back 1900.00 when the original loan was for 200.00


since it is most likely an internet.no they can't have you arrested at all.in fact if you could name the pdl i can tell you how much they can do if anything.another thing,how much was debited by said pdl before default.if it met or exceeded 200.00 then you actually owe nothing.please answer thos two questions,and we can determine whether this is a bottomfeeder.


Submitted by paulmergel on Fri, 09/24/2010 - 08:01

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A good friend of mine took out 2 payday loans with PLS and The Cash Store (Dallas Texas). She told me they have threaten to arrest her and put her job in jeapordy. They told her she could be arrested because the loan was over $1000.00...Is this true?


Submitted by on Mon, 10/25/2010 - 11:32

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Quote:

Originally Posted by Anonymous
Stupid question, I KNOW, its written all over the forum that you can't be arrested or prosecuted for an online payday loan, etc etc.

However, I think my case is slightly different, and want to see if anyone can provide solid legal advice, or provide links to any websites I may be able to find information on. We live in TX, I am not sure what states the loan companies are licensed or placed in.

My husband recently got laid off, and to pay the bills, he went out and got 3 payday loans, each over $1000, with his last paycheck stubs, and actually wrote checks (2), or put his bank account information online (1) as an electronic check, for the repayment. He then closed his bank account, and opened another at a different bank. He has no intentions of paying these loans back in the near future. He says once we are both back on our feet he will consider it. He only just told me about this a month after he's got the loans, and I am so worried about how this is going to be handled. I understand debts are civil and they can not arrest you for that, but what about the hot checks? I've looked up some information that show that anything over $1500 is a state jail felony & punishable with up to 180 days & $10,000 fine. Would his bank prosecute for that, or would it fall on the payday loan companies? Where is the line between "hot checks" and "payday loans" to where it becomes criminal and not civil?

Any help would be greatly appreciated.


If the PDL companies can prove that your husband had no intention of repaying these loans, he could be charged with fraud.


Submitted by OhioGal1 on Mon, 10/25/2010 - 11:37

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I have two payday loan places calling my husbands work. and told me that I am being charged with Violation of Federal Banking regulations, Collaterateral Check Fraud and Theft by Deception? We tried to pay on these internet loans through a cccs program and they refused the payments , they said that they had to have my bank account information and now my family is worried that I am going to prison. They were upfrontcash and instantloansnow. So what do I do?


Submitted by on Wed, 10/27/2010 - 15:41

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I made a pay day loan with Advance pay day. I was unable to keep the agreement offer $100 per pay. They said no it was not enough. Today they are calling on my job threating to arrest me a 12:33. Can they actually do this.


Submitted by on Tue, 11/09/2010 - 07:57

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I also have taken a pay day loan out .I recently started getting phone calls from a man claiming to be an officer of the court telling me that I am going to be arressted and I am being charged with several federal,criminal, and fraudulent crimes.I don't even know who this company is I had never heard of the company he was calling about before now.At first I was really afraid that I was going to be arressted for this but I did some calling around and spoke to a few attorneys and they said that a collection agency can not arresst you for default on a pdl.I offered to pay the debt they claimed I owed but they would not talke the payment from me They wanted me to fax them a photo ID, my SS#,my bank account and atm #, my address,and a paper saying that I would authorize a debit for the funds owed.I also aked them to fax me the loan paper work and they told me that they were not able to do that until I pay the balance in full.It all seemed a little shady to me so I did not fax them any info,now I am being harrassed at home and at work,they have even called my parents about this.The way I figured is that even if I didn't pay it they did get there money I have paid them more money back than I even borrowed..Such a scam and would never do it again not worth the harrassement...Would not recommend getting a pdl ever....


Submitted by on Fri, 11/12/2010 - 11:41

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I live in maryland, I received an internet payday loan about 3 months ago but can't pay. I spoke with someone today claiming they were an officer representing the company I borrowed from. He told me if I didn't pay he is sending my charges to my county office and I will be arrested tomorrow. I'm not too worried but he didn't provide any information for repayment by installment. He just said if I don't pay that day they are sending police to my residence. I asked since they can send police to my residence then why not written documentation, apparantly that is a refusal of payment and he hung up on me. Do I have anything to worry about?


Submitted by on Tue, 11/30/2010 - 18:07

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Quote:

I live in maryland, I received an internet payday loan about 3 months ago but can't pay. I spoke with someone today claiming they were an officer representing the company I borrowed from. He told me if I didn't pay he is sending my charges to my county office and I will be arrested tomorrow. I'm not too worried but he didn't provide any information for repayment by installment. He just said if I don't pay that day they are sending police to my residence. I asked since they can send police to my residence then why not written documentation, apparantly that is a refusal of payment and he hung up on me. Do I have anything to worry about?

Payday loans are prohibited in your state. You CAN'T be arrested for owing a debt, nor can they press criminal charges as owing a debt is a civil matter, not a criminal one. Besides, pdl's are illegal in your state. CLICK HERE to find out how to deal with illegal lenders.


Submitted by Shazzers on Tue, 11/30/2010 - 21:09

Shazzers

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I got a call from an investigator or lawyer at a number in NV (702) 420-7315. (Paul Webb) They called and said they needed a payment by 5pm est. or they would file for criminal charges and have me arrested. I told the gental man who said his client was Pac Management, who ever that is and said they want $561.00 now by visa/mc only or face arrest. I live in NY and the PDL company Pac Mgt is in NV, what do I do?


Submitted by on Wed, 01/05/2011 - 15:43

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Quote:

I got a call from an investigator or lawyer at a number in NV (702) 420-7315. (Paul Webb) They called and said they needed a payment by 5pm est. or they would file for criminal charges and have me arrested. I told the gental man who said his client was Pac Management, who ever that is and said they want $561.00 now by visa/mc only or face arrest. I live in NY and the PDL company Pac Mgt is in NV, what do I do?

Payday loans are prohibited in your state. You can't be arrested for owing a debt, this is a SCAM! File a complaint against these people with your state attorney general and the FTC.


Submitted by Shazzers on Wed, 01/05/2011 - 16:50

Shazzers

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I had a company call me and say that I was expected in court for a payday loan and that i was a criminal matter because I had 6 counts against...theft by deception; colletral cheeque fraud; non paymnet;; violation of banking federal banking regulations..etc...They would not tell me where the court house was except California..I asked for proof that I took out a loan....they would not provide it..I asked for the address and phone num to the court house...they would not provide it.......For a moment, the company almost had my credit card information.....


Submitted by on Wed, 01/12/2011 - 19:18

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Quote:

I had a company call me and say that I was expected in court for a payday loan and that i was a criminal matter because I had 6 counts against...theft by deception; colletral cheeque fraud; non paymnet;; violation of banking federal banking regulations..etc...They would not tell me where the court house was except California..I asked for proof that I took out a loan....they would not provide it..I asked for the address and phone num to the court house...they would not provide it.......For a moment, the company almost had my credit card information.....

Thank goodness you didn't give them your account info!


Submitted by Shazzers on Wed, 01/12/2011 - 19:20

Shazzers

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I am in the same boat as all of the rest of you...I have been getting the same phone calls from these people in India and then one day it struck me to google the numbers...NO LISTING! This is because they are cell phones...not landlines that a "normal" collection agency or attorneys office or law enforcement agency would be listed with. This was a major relief to me in and of itself :)


Submitted by Alexys Coker on Wed, 01/12/2011 - 21:39

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HI,
I have not defaulted on any pd loan as of today.I have 4 on line and 2 store front.
I live in Ohio.The on line loans are with cashnet.greentree,upfront cash,aMERICAwEB LOANS.
THE STORE FRONTS ARE CHECKSMART,AND ALWAYS PAYDAY.

CAN YOU GIVE ME SOME ADVISE?i CAN COVER THE 4TH MNTHLY FEES THAT ARE DUE TOMORROW BUT THAS GOING TO BE IT.i WILL NOT BE ABLE TO PAY CHECKSMART ON THE 21ST.

tHANK yOU ,
dAVID:confused:


Submitted by on Thu, 01/13/2011 - 08:05

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Quote:

HI,
I have not defaulted on any pd loan as of today.I have 4 on line and 2 store front.
I live in Ohio.The on line loans are with cashnet.greentree,upfront cash,aMERICAwEB LOANS.
THE STORE FRONTS ARE CHECKSMART,AND ALWAYS PAYDAY.

CAN YOU GIVE ME SOME ADVISE?i CAN COVER THE 4TH MNTHLY FEES THAT ARE DUE TOMORROW BUT THAS GOING TO BE IT.i WILL NOT BE ABLE TO PAY CHECKSMART ON THE 21ST.

tHANK yOU ,
dAVID

Do you mean cashnet or cashnetusa because there is a difference between the two, one is legal the other is not.

Upfront Cash is not legal in Ohio, [URL=http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html]CLICK HERE[/URL] to find out how to deal with illegal lenders.

I need to do some checking on your other online lenders.

Have you asked Checksmart if they will sign you up for an extended payment plan?


Submitted by Shazzers on Thu, 01/13/2011 - 08:24

Shazzers

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louisiana


Submitted by on Sat, 01/15/2011 - 14:35

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I've also been dealing with these calls. I've lost sleep over them, and I've actually paid two of these loans off after being threatened with jail. $1100 for one, $1095.37 for another, and I'm in the process of making payments that will total about $1500 for a third one, and I just got another call 3 days ago with a voicemail saying i'm being investigated, but I haven't called back. I cant remember the name s of the companys, but they were all online cash advance/pay day loans. I live in new york state, what should I do at this point? I would really appreciate any help or advice.


Submitted by on Wed, 01/19/2011 - 20:54

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well since MY1direct is not legal in texas you can't and won't go to jail.in fact gateway is your typical bottomfeeder.treat everything as an illegal act,because that is what it is.file a police report for the threat.then use the name gateway to file AG,AND FTC complaints against them.above all else do not speak to them further.a waste of your time.


Submitted by paulmergel on Thu, 01/20/2011 - 10:53

paulmergel

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Hello everyone, I enjoy reading this forum. Everybody seems to be a great deal of help to a lot of questions I have.
The question I have is kinda relates to some in this thread. Some guy with a thick indian accent called a few days ago, claiming he was an "attorney", from "american legal system"...kept rambling on about "court" and "check fraud" or calling my work to have me fired. I finally snapped and called him out and said he can't threaten me over the phone, cussed him out and he hung up. I remember I asked him what company is he representing, and he said "cash advance"...never even heard of them.
Sorry if this is in the wrong thread, but here is my story. I live in Nevada. Have 7 store front PDLs. In default with all of them but am working out payment plans with them. I have 2 online loans that are in default now, from cashnetusa and loanshack. The loanshack people seem friendly and are willing to work out a payment arrangement (doing a money order with them because thats the only way i can and appreciate they are doing that). But I have a real issue with cashnetusa. They keep debiting my account even though its overdrawn, I told my bank to stop it, Chase, but they told me they cant close my account because its negative, and will allow any ach if it is presented. Chase said they can do a stop payment but will charge 32.00 for each, but i dont know why i'd do that since cashnetusa tries to debit 4 or 5 times every two weeks. Please help, I've asked them that i have to do a money order or western union, anything other than debiting my account (it is overdrawn 1,300!), but the email response i got from them was a manager is looking over my account. sheesh! I have every intention of paying the 85.00 a month for about 5 months in their extended payment plan, but can't do it if they continue to insist on debiting my account. please help, how should i deal with cashnetusa...oh yeah, im a little skeptical that the guy that harassed me, saying he was from "cash advance", really from cashnetusa, because i only got that call after defaulting. but anyways, God Bless everyone, thanks for your help!


Submitted by lolip on Fri, 01/21/2011 - 10:29

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Thanks for the response, Shazzers. So my question is, did cashnetusa sell of my defaulted loan to someone else and i owe that company money too now. I mean, i probably don't owe cashnetusa AND the collection agency. do i? and if this is a stupid question i apologize in advance. LoL...but if i go with the extended repayment plan with cashnetusa and pay those rat bastards off finally, does cashnetusa have a history of "pretending" you never paying them off and still contacting you or one of their collection agency they sold your info to? and still wanting to collect? thanks again...


Submitted by lolip on Fri, 01/21/2011 - 11:54

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I took out a pdl over 2 hrs ago and paid some back but defaulted on the balance. I sent letters to the company as well as complaints to the bbb...they disappeared for a while however today they called both references that I had listed and told both that they are coming to my job to serve me with papers for committing fraud and that I will be arrested. I called the number back 1 866 615 8613 and spoke to a man to find out what this fraud was and he basically told me I was sol, and that the fraud charge would be held up in court an I would go to jail because I signed the promissory note via my email using my first and last name. They have been constantly calling my job, but now they are threatening to come there to get me. Is this even legal? How were they even able to give out information to the people they called...one being my now husband who was upset and confused asking me what kind of fraud I'd committed...I just don't know where to go at this point, I asked for the mans fax number or address for written correspondence but he refused and said there was nothing I needed to fax him and that I better call him back before the officers get to me.... I can not lose my job because of being arrested at work...what do I do?

Please help


Submitted by shaneequaholman on Wed, 01/26/2011 - 20:09

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thank you so much for the insight. i will definately file a complaint with the AG. i was sitting here all morning fearful for a knock on the door, but nothing yet...this forum is so helpful for those of us who know nothing of these folks and thier tactics. They dont ever have to worry about me taking out another PDL... that was the worst nightmare ever... worst than being broke.

thanks again


Submitted by shaneequaholman on Thu, 01/27/2011 - 09:45

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I have a company "James Jones Broomfield and Associates" of Jacksonville Fl calling me on a unpaid pay day loan that i dont recall getting with this com. i do have some i confirmed paid and 2 that are not unfortunately i was caught in a scam with the 2 unpaid... do u know if "james jones broomfields and associates is a scam? They said if i didnt pay it would be a matter of court and could be arrested


Submitted by on Sat, 02/19/2011 - 14:20

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Quote:

I have a company "James Jones Broomfield and Associates" of Jacksonville Fl calling me on a unpaid pay day loan that i dont recall getting with this com. i do have some i confirmed paid and 2 that are not unfortunately i was caught in a scam with the 2 unpaid... do u know if "james jones broomfields and associates is a scam? They said if i didnt pay it would be a matter of court and could be arrested


You can not be arrested for owing a debt!
[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!


Submitted by Shazzers on Sat, 02/19/2011 - 15:15

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Only low cost loans are legal in your state, see the link below:
paydayloaninfo.org/state-information/37
What is the name of the pdl ?

If a collection firm is telling you they will have you arrested they are obviously a bottom feeder, try and get as much info from them as you can, then file a complaint against them for non compliance of the FDCPA, you can file a complaint with the FTC online.


Submitted by Shazzers on Sat, 02/19/2011 - 21:17

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