Payday loans, what are they? Unfortunately I have fallen victim to them without even applying. Several Of these companies took my personal info. Fraudently, and I didn't even know it until it was to late. This all began last August, since then I have been forced to close out bank accounts, change phone numbers, and have suffered from public humilation at work and within my own family. I didn't even apply for these loans, never signed ONE document, never spoke with any loans specialist.
The story only gets better from here, these companies are harassing me and my family members saying i owe them $1,900.00!!! After all the money they took out of my accounts I was only able to get refunded half of it back. But they want $1,900.00 for money that I never even borrowed! The person I spoke with on the phone told me I only had 48 hours to pay otherwise i was going to be taken to court and sued for all the money what it cost for them to take me to court. The person on the other line also told me that I was in denial about the whole situation and I'm just lying about being a victim of fraud by them. SO not only am I being taken to court but now I'm and criminal and a liar too!
When I contacted these companies and asked for a copy of a signed document, they told me they don't keep them and they shred them. But who does that? Shred the signed document before loans are paid off, sounds funny huh? SO now I"m just supposed to believe that I owe this money b/c these companies SAY I DO! ALso when i asked how they received my information, the company replied that they bought it from the internet. That's great! Now my information is all over the internet, and I have been going through hell for the past year.
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