Taylor James and Associates threating legal action

Kathryn

As with any collection company, they have laws (not rules) to follow. When they break one of the laws, you have right to follow suit, even though you did default on the loan.

The next time they call, tell them the call is being recorded and that you want to cease & desist telephone contact and wish to only be contact through mail.

Once you receive a letter, mail them a request for validation letter. There are certain precedures they have to follow when it comes to debt collecting.

Regards-
Mike

He called back. It took him a minute to figure out what name he had used when he called me. He said that if I paid the $673.40 by western union by 2pm western time he would pull the ciation. If I did not he would contact ???? (he gave me the name of the owner) to see if I had permission to use my company computer to commit fraud. I told him that effectively emmidiately

Hi Kathryn

Please handle this situation without getting scared. You do not need to feel nervous even if he gets your job info. The person is trying to collect a debt from you and you are required to get the details of the accounts in writing first.

Tell the person to give you the name of the company that is trying to collect this debt. You wish to send a letter asking for debt validation so that you can proceed further towards making the payment. If he won't give any company info, you won't be able to make sure whether the money is going towards the debt account or if they are holding it legitimately.

You might need to record these phone calls so that you have a proof of everything you tried to convey. Tell the person that you are recording the call for legal and fair reasons. If it is a legitimate company, they won't hesitate in giving you in the necessary details.

Did you pull your latest credit report and see if something new is appearing or not?

Regards
Roxette

Nothing is listed on my credit report from them. I know I had several payday loans but I also know which ones I did stop payments on. I called the 2 I still have outstanding and they said the accounts had been sent to ART. He said he could not tell me which MoneyLine company this account was for. So I don't know which one to contact. I have the contact information for the ones still outstanding. I am willing to pay the accounts off, but I can't pay $673.40 all at once.

Kathryn

I will contact the original lenders and will first verify if the accounts have been sold to outside collections. If not, then I won't pay much concern to this incoming call.

Even if the account is sold, then the lenders will be able to give the necessary details of the collection agency. I am suspicious of this call coming to you because it does not have any necessary information on debt validation. A legal CA should be completely armed with all the legal documentation for collecting debt. I hope you should contact the lender first.

He told me he represented MoneyLine. I told him I looked at my bank records and there had not been a deposit to my account from MoneyLine. He said MoneyLine supplied money to several companies and he wasn't sure which company I had used. Needless to say I didn't pay them. I contacted the 2 companies that I have outstanding loans with and neither was dealing with this company. One had turned my account over to Accounts Receivable Tech and the other 1st Credit. I haven't been contacted by either of these companies yet. Should I try to contact them?

Kathryn

I will suggest you to explain the complete matter in writing and send it to the mailing address of the collection agency. Since you have not received any loan from MoneyLine, you have no legal responsibilities to pay to the CA. Or they should have given you the necessary info before requesting payment.

Do send your letter through certified mail with return receipt requested. This will prove that your letter is received by the company on the specified date and later you will be able to prove it if the matter is taken to the court.

Regards
Roxette

I just figured it out, 1st Credit is also known as Taylor James & Associates. Try asking them if they are also known as 1st credit and see what they say, and let me know because I had Taylor James call me and I called the number on the caller ID at my home and it was a company called 1st Credit.

1st Credit was the company JD Marketing said they had turned my account over to for collection. Is JD Marketing one of MoneyLines names? I only have 2 accounts to payoff but have not had much luck getting cooperation on making payments. Thank you for the help.

Hi Kathryn

Are you talking about First Credit of America?

Please have a look at this thread and see if this is the company that you are referring to.

http://forums.debtcc.com/forums/firstcredit-america.html

Check your latest credit report and see if you can get some information to contact them.

Regards
Roxette

I fell for it, sent the money, and now I found out they are frauds. I was in the same situation as Kathryn having several payday loans, not knowing who was calling me, I was scared of losing everything. If anybody else sees this, DO NOT SEND THEM ANYTHING, as a previous response I read says, there are laws surrounding debts - now, I know!!! By the way, I plan to see legal action through with them. They may also be using another problem company Ellis & Crosby - sound familiar? Also, does anybody have another Phone # or info on any of these people?

Do not send money, they are all frauds - get an attorney instead of an education from the school of hard knocks

I received a call today from David with Taylor James and Associates. He was very polite and explained that he had been made aware of my postings concerning the company and that he was calling to get additional information concerning the previous call I received from them. He stated that their company policy was to always follow fdcpa regulations. Additionally, he provided me with the information on the debt I had requested during the first phone call and he set up reasonable payment arrangements with me. He requested I send a letter of intent with the payment arrangements. This was a much different call than the first one.

Kathryn

How many calls have you received pertaining to this debt? Chances are, they were all trained the same. He just realized that people are aware of the business practices of their company, and under careful watch.

Mike

Only twice. The first call on Nov 21st was the reason for my posting and then the call from David today.

I was filing the payment information and discovered that I had already paid MoneyLine a settlement last month. I called David back and he ask me to fax the settlement information, including a copy of the money order I had sent to MoneyLine and he would clear my account. I then got a call from MoneyLine apologizing for the mixup and that their records showed that my account was already paid in full. Now if I can just get the other 2 companies to let me pay them, I would be free at last!!!!!

Kathryn

Thank god that you didn't have to go through this trouble relating to Money line account. You were just at the edge of it. I am happy that everything worked well at your end.

So, have you started the negotiation with the other two companies?

I contacted both of them and they said the accounts had been turned over to 1st Credt and Accounts Receivable Tech. When I called the collection companies they said they don't have my account information yet and would contact me when they did. I tried to work something out with the loan companies but they said they would not deal with me. I don't really look forward to dealing with either of these collection companies since most of the postings about them are not good ones. So here I am just waiting.

Hi Kathryn

If your lenders have still not sold the accounts to the CA, they can work with you. Keep negotiating with them and get confirmed by viewing your latest credit report.

It will be much easier to work with the creditors than working with the CAs. Moreover, an account in collections is a negative remark that will enter in your file for 7 years. You just need to negotiate with your lenders for this account.

I am assuming these accounts to be with the creditors since both the CAs have not received your info. On that note, you can get in touch with them.

Do let us know how things shape up.

Regards
Roxette

Both of the companies said they would NOT work with me and that I had to contact the CAs. I ask if they had sold the accounts and they woul not tell me. They both said I had to contact the CAs because they no longer had my file. Since 1st Credit and ACR have had negative postings I dread dealing with them. I did print off the fdcpa regulations in Title 15, Chapter 41, Subchapter 169c so I could quote them if I needed to. I really don't understand why some collection agencies won't work cooperatively with someone trying to pay a debt. I am not trying to get out of paying the debt, but there sure is a lot of work in paying off payday loans!! So any suggestions on where to go from here. I really would like to get these paid and not drag them into 2006.

The lenders have made it obvious that your file is not with them. Otherwise, they would not have denied getting their money back from you.

Now, you only have the option to work with the CA. Let them call you and hopefully, you get these accounts settled in the best possible ways. Be aware of the fdcpa laws before signing the agreement contract. Read the points very carefully. It's all your agreement with them and the signature that holds the most importance.

I also got a call from Elliot Masters at Taylor James and Associates. I told him that I could not receive calls at work and to please call me at my home phone number. He said okay but I need to be able to reach you. Would you belive that when I got into work today there was a note on my desk where he had called again?

Does anyone have their address so that I can send a letter from my lawyer? This guy is really a piece of work

deb, that is against the law. once you notify a collection agency that you cannot accept calls at work, they are to cease all calls to your work right away.

I just ran across your discussion board while looking up Taylor james & Associates on the internet. I too received a call from them the other day. After 4 tries at calling back an Andrew Edwards, I finally got the chance to talk to him. He says that I defaulted on a $200 internet loan from Whistler Holding. I asked if he could please send me something in writing that proves that this debt is mine. He said that Whistler Holding says they have already sent me that letter--back in April (i don't recall getting something like that, nor do I probably still have it) . He said he could not send me another letter. Also, he said they are prepared to issue to complaints against me with the courts. Basically, one is for issuance of a check without intent to pay (or something like that) and misappropriation of United States funds ( or something similar). He also told me that it is too late to make payments on this debt and he is demanding that I pay $479.80 by December 15. (Thursday). Any advice as to what I should do? I was very calm on the phone and asked what would happen if I fail to pay by 12/15 and he said at that point Whistler Holding would be taking legal action against me.

Hi Deb

Welcome to the forums.

Send a cease and desist letter to the company through certified mail with return receipt requested. This way, you will have proof of your actions taken. Ask the caller to give you the company's mailing address.

Regards
Roxette

Hi Donna

Talk to your original creditor regarding this account. They might help you in giving some details about it. Check your credit report and see the latest standing of this account. See whether this account is under any collections or not.

Taylor James & Associates is scamming people by false collection methods. So, you need to be alert on that note. Before you make the payment, insist the company to send you in writing with complete accounts info and a statement to update your credit report once the account is paid. You will be sure that your money is going towards the correct account.

Thanks for the advice roxette. One question though: I had already asked him to send me something in writing and he refused. Should I ask again? Or should I just go ahead and send the cease and desist letter? I mean, i'm willing to fulfill my obligation to pay this debt if they will just send me something stating how much I owe, etc.

oh--and that's another thing. he offered me a settlement of $479.80 but never actually told me what the total amount owed is. All he said is that the original loan was for $200.

Wouldn't they need to notify me by mail if this were an actual legal firm and they were taking legal action against me? Would they really take me to court over $500?

Donna,

Don't let these calls annoy you further. If it is permissible in your state, start recording the phone calls and specify the debt validation requirement. If it is not permissible, inform the caller that you are recording it for legal purpose. During this recording, mention all points that can cover your basis. I am sure they will back off after failing to have a valid reason.

Regards
Roxette

Thanks Roxette for the advice. I am definitely going to try to get a hold of the original creditor. I'm also going to ask a lawyer friend with some help writing them a letter. I was worried about them taking legal action, but after reading MANY posts on this forum, I realize that I do have a few options. I will take this slow and of course will be fulfilling my obligation to this creditor, but on MY terms.

thanks
Donna

Donna, it is much easier dealing with the creditors. Do keep us updated . :D

Look I understand sometimes things happen as to where you cant take care of a debt when you'd like...BUT... By having a finacial transaction take place where you dont read the fine print and take time to look at terms and conditions on the contract then maybe your getting whats coming to you... Simply put.. You go to wal mart and buy toothpaste, you pay w/check debit..you walk outside and then place a stop payment or close your account..You walked out w/out paying...You didnt contact these people in the manor it states in contract you put it in the back of your minds...Really read the fine print..It can cost you in the long run....

Collectorparker

Everyone is concerned to improve his CR. Not paying the debt will hurt his file and he will be denied credit in every phase of life. So, people understand the need to pay the debt.

There are times when people have to go through hard financial problems. It is at this phase collection industry comes into picture. Not all the people try to escape their debts and not all CAs are doing fair business. We have this discussion board on collection industry and it has large number of people agreeing to pay the debt. But they want to see their accounts in accurate shape before making any payment. Sadly, the CA is misrepresenting their debt and forcing them to pay an amount that is objectionable.

This is the 2nd call from these people in a week. I have asked them to send me a debit validation letter on their first call. They claim they sent it....I have not received it. Today this man called and said my employer would be notified tomorrow if I didn't agree to make payment...he also wanted the name of my lawyer. I explained that last week I had asked for a letter and had received nothing. He said they mailed it and are not responsible for th US postal service. I asked him again not to contact me at work and that he couldn't contact my employer. He just kept persisting and I finally hung up. I have had PayDay loans and have paid them...so I really am not sure what he is talking about. How do I go about handling this, since they don't seem to be listening to me

Donna,

If you have hired an attorney, file charges against Eliot James. He does not have any genuine reason to contact you and it seems hard to stop him unless you have taken legal aid.

Also, file your complaints at the FTC, BBB and the state attorney general office. They are regularly receiving complaints from many other consumers like you.

I'm being threatened by the same company for a payday loan that I had over two years ago. I got a call yesterday from a lady by the name of Renee James telling me about a check advance debt that I had out. I was given the name of the Marketing place but not the actual name of the payday advance company. She told me that I had until 6:00 PM to send 215.70 by Western Union or they would proceed legal action including fraud for not paying the loan off and not having this checking account open, anymore. I told her I would like something in writing but she refused. I'm willing to pay my debt but I have to make arrangements with the company. Since I didn't send the money, she told me I would owe an additional $700 and that I would have court papers sent to me in two weeks. She advised me to get an attorney. I'm more than willing to make arrangemnents to pay this debt but I haven't received any paperwork in the mail just harassing phone calls. She said that I could not have the address and phone number to whom I owed the debt to and that her company was handling everything but they want a lump some up front, not payment arrangements.

Hi Miranda

Welcome to the forums.

The fdcpa law forces any collection agency to give you the details of debt validation when you have requested for it. If the company says that they are not required to give you anything in writing, there is a problem.

Send a debt validation request in writing to the company's mailing address through certified mail with return receipt requested. The company will have to respond to your request and if they don't, you will make your case stronger. Check your credit report and see if they have reporting anything that is hurting your credit worthiness.

You can refuse to pay the account until your account has been put in writing. Do not get intimidated by the company. They are trying to scare you so that you send money to them without giving a thought. Make sure that you do all your correspondences in writing. You will have your basis covered.

If recording of the phone call is permissible in your state, start doing it. If it is not, you can inform the caller about your actions so that you can take a legal counsel. Be sure to inform him about the recording of the call, otherwise you might end up in troubles.

It is believed that Taylor James and Associates is not into legal debt collection practices. So, be sure that you have enough proof before you file charges on them.

Regards
Roxette

I got a call yesterday from Taylor James and Associates. I made a Quick Collect pay of half of what I "owe" because they scared the life out of me. I don't have any outstanding loans, but I thought that maybe I had overlooked something from my past. I just sent a letter of intent to them this morning for the remaining half. What should I do?

Meghan

Take my words, Taylor James is using illegal means while collecting the debt from people. Don't pay anything to them because they don't have your debt account. If they are having it, they should present you the complete details of it. Ask them to validate the debt so that you can get the latest standing of this account.

I understand that you might owe some of your debts. But you will like to pay the money only to that agency that actually holds your account. A legitimate company will have the complete details of your account before they collect the money from you.

Read the forum postings on Taylor James in this site. Many people have been scared to death as it happened with you. But getting scared and sending money to this company will not clear your debt account. Know your legal rights before you are contacted by any collection agency. It might happen that sometime later, another collection agency will contact you for the same account. You won't be able to prove that you have already sent the money because Taylor James will completely disappear from the scene.

If you have any queries, feel free to post it here. But don't send money to Taylor James. You will find lots of complaints against them at the local attorney general office as well as in the FTC and BBB.

roxette and ben and all who have been hurt by these payday loan lenders, i want to let you know that i looked up taylor james and associates after receiving a call from them on my e-cash now account. my experierence was much different than yours, infact i let them know about this sight and what had been said, i think this sight is good, but i do feel that your opinion about this company is wrong. i personally looked up taylor james with the bbb and the attorney generals office. they did have one complaint on file with the bbb which was settled in good standing and there was no complaints filed with the florida attorney generals office. i also called e-cash and they let me know that taylor james was representing them. they did ask me for the payment up front and i let them know that was impossible. they then set me up on a payment plan. i think that maybe you need to get the facts before jumping to conclusions. taylor james was not only professional but also vert polite

Betty

Just an FYI, several complaints have been getting processed by the BBB. If you look at the file that the BBB has created for Taylor, James, and Associates...you will notice that the first complaint lodged was created in November. Trust me, more complaints will start to file in, and that number will go up.

Also, please share more about your experience with the company. You said you mentioned this site. Perhaps that was a way for them to tone down their behavior. But it appears more harm than good is happening.

Regards-
Mike

My collection agency made me aware of the postings, and I first want to express to all of you that after reading these complaints, your knowledge of the contract that was signed when you took out this loan may need to be reviewed. These high intrest loans are where they are because of debtors not paying them back. Just to give you some facts, 75% of the loans that we provide do not get paid back in accordance with the contract. Of those 75%, 30% take the money and run. Besides that I would like anyone that goes on this site that originally got a loan from "fast-cash" that Taylor James is legit and I do receive forwarded payment from them monthly. Everyone bashing this company that has not dealt with them directly should keep there oponions to themselves.

My dear Taylor James client, I think you should contact the Florida Attorney general and explain the facts you mentioned here. They have the proof of every consumer complaints. You might need to reconsider everything.

i got a loan ( Pay day ) through a company called moneyline ( well it shows up on my banking account as M L inc. ) i dont know how to get in touch with them to pay off my loan. Cant find nothing online about these people and was wondering if you could maybe help in locating a phone number or something to get in touch with them

Ben

After researching the post from the "Taylor James Client", it has been found that the post came from the offices of Taylor James himself.

"Taylor James Client"

It's odd that harassment still continues from Taylor James & Associates. You claim you're a client of the company harassing people, yet the IP address comes straight back to the person harassing people.

Perhaps we should get "fast cash" involved, and tell them they have hired a deadbeat who claims he is paying the money back to the lendor.

Address that came back for "Taylor James Client"

Taylor James & Associates
9550 Regency Square Boulevard
Jacksonville, FL 32225

Regards-
Mike

Mike, I could easily figure it out from the post of 'Taylor James Client' that it is coming from their office. Thanks for confirming it.

I guess they have lost all their reputation in the collection market. They are using ways to restore it. Guess, what happens when these people call somebody and the other person says, "hmm...Taylor James & Associates, I have read so much about your company. You must be calling me to make some money by using illegal means...." Let us all give these people tough luck each time.

Dear debtors,
My company which is MoneyLine has been using the services of Taylor James and Associates. They are not a fraud and they are handling our business in a very professional manner. If any client of MoneyLine needs any proof of thier debt please feel free to contact our office at 888.417.1578 to discuss your outstanding debt. MoneyLine will try to work with everyone who has short term problems and cannot pay thier debt. We choose to out source our collections because of the high fraud rate with the internet payday loan sites and it is more cost effective than for us to deal with hundreds of people who first never paid back their loans, but further simply closed their account after they received our money and think they found a new way to play the lotto. Mikeyindetroit has some good advice and knowledge but here is a bit of advice for all of you from a lender in the payday loan industry. Our loans are short term bridges for you and they should be paid in full as soon as possiable to avoid high refinance charges. Our fees are still less than most banks charge for an NSF so if you write checks without money, we can cover you for the short term but we are not you mortgage lender. If in fact, if you borrow money from my company or any of my affilates and choose to default and not pay, we will pursue the debt through all legal means afforded us by law. In summary, just pay your bills as agreed and you do not have to worry about Taylor James or any other collection agency contacting you.

MoneyLine

If Taylor James & Associates contacts a customer who used your services, and is now trying to collect on that debt, then they should be able to provide the proof or validation of the debt.

I'm not defending anyone who has used a payday loan and defaulted on it, because I know everyones story is different. I'm giving them the benefit of the doubt, only because I was put in a position when I first used a payday loan, and it defaulted. The default WAS NOT my fault. Because of this, I am mostly on their side.

It appears that Taylor James & Associates are doing illegal business. They are threatening arrest, pretending to be officers of the law, and even pretended to be YOU! This of course, was proven to be wrong, only after tracing their IP address. The company has done nothing but lie and threatening arrest. Because of this, complaints have been made.

If the accounts have been turned over by your company, you are no longer allowed to deal with the customer; they must go through Tayor James. It becomes difficult to do business with them, when they are unwilling to provide receipt of payment, or proof of debt. Everyone is trying to go through the proper channels, and hopefully everything will end up all right.

After reading through the forums, you'll notice that certain Jacksonville collection companies are now ending up in court. Many people have made payments of outrageous amounts for fear of getting arrested. Only to realize later, that their account was then sold again, and the money never being posted. These companies are pocketing the money, and running. This is mainly why people are afraid of Taylor James...same scare tactics, same location, same crazy phone calls.

Perhaps you should think about who you have hired to do your collection efforts.

Regards-
Mike

I would trust that in all cases of the client requests a validation of debt letter than Taylor James has provided such as they have asked my companies to provide them with that type of authority. I will tell you that if they use tactics such as misrepresentation of my company or officers of the law I would pull my business from them immediately. I agree that the Jacksonville area has a black eye but in this case I know that these guys are not like the other companies. They may be aggressive but they are collectors after all and that is how they should be. If any of my previous customers call me about thier debt you are right, I can no longer deal with them about it, but I can at least verify that if they pay this company, their payment will be properly credited and forwarded in a timly manner to their customers. Also, MoneyLine and all of it's affiliates do NOT sell their debt to anyone and we never will.

If you have a name of a better collection agency that would be willing to collect payday loan debt please let me have the information at the number provided in my previous response.

Hi MichaelMoneyLine

I suggest you to review the profile of Taylor James and Associates once again since they are having a very bad name in the collection industry. You will not wish to make business terms with a company that is doing fraudulent activities in the consumer accounts. Your company is doing well in the industry but because of the other name, the reputation of your business might also come at stake.

The consumers should contact the original lenders when they are having problems in dealing with the collection agency. But when a debt is sold to them, creditors won't involve themselves in between and thus these collection agencies persuade the consumers to pay an unproven debt. You might have given the accurate details of the debt to the collector but it is their fraudulent intention that makes paying the debt so complicated.

MoneyLine

[quote=MoneyLine]I will tell you that if they use tactics such as misrepresentation of my company or officers of the law I would pull my business from them immediately.[/quote]

They've already pretended to be you. I understand that they are now getting worried with all these complaints piling up against them, but there really isn't a need to get worried if they are following the law. Also, why would they need to get on this forum, pretend to be you, and claim the payments are getting posted to their account. Why couldn't they just leave it alone. Defending themself on this forum only makes them look more guilty.

Regards-
Mike