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Insta Cash Accusations of a loan that I never took

Date: Tue, 07/06/2010 - 09:44

Submitted by anonymous
on Tue, 07/06/2010 - 09:44

Posts: 202330 Credits: [Donate]

Total Replies: 2


I received a called last week a regarding a crime that I had done. I called the number and spoke to a gentleman who had a strong accent. I asked his name again and he told me again and when I still did not understand him, he was rude and repeated it letter by letter. He then went into detail of what the phone call is about, and when I asked him what company he was representing he then told me rudely, insta cash, I asked him to spell it, and rudely he spelled it. He then told me if I did not fax a letter over to him with how I was going to pay I would receive an affidavit to my home and to my place of work and I would have to go to court. I asked for the information on how and where to send it to and he then told me I would have to have it notarized and I needed to put it to attention to him, Steve, and then on the second line to put my name, first and last, and then the last four of my social security number, and then put on the letter that I, authorize charge on my prepaid card, with the billing address, card number, expiration date and date it for this Friday, that is when I would have the funds available. I then too had to have on another piece of paper a copy of my driver's license or social security card. It was then that I became to get suspicious. The call made me afraid and I am glad I found this website. The caller had information on my background and he was very rude. I hope this information helps...So what should I do?


First, you cannot be arrested for debt. This is a common (and illegal) threat debt collectors use to scare people into paying.
Second, never give out your personal information like your social security number and credit card information to anyone you do not absolutely trust. And even then there are no guarantees despite all the postal service tries to do.

My advice is that if you can get these people's contact information, send them a verification/validation letter via fax or certified mail and keep the receipt in a safe place. Do not pay them anything unless they give you evidence in writing that you owe them money and they have the legal right to collect.
I also recommend that if these people call again, to start keeping a log of the time, date, person you spoke to, and what was said for future reference.
And finally, contact your state's attorney general, the FTC, and the BBB to complain about the caller's rude behavior which is in violation of the Fair Debt Collections Act.


lrhall41

Submitted by OVLG Attorney on Tue, 07/06/2010 - 09:57

( Posts: 511 | Credits: )