I received a message at work to call a Henry Smith today at work at 415-200-0247, and as I was picking up my cell phone to return the call noticed that I had a voice mail. It was from the same man, stating with a heavy Indian accent that it was imperative that I return his call regarding a legal matter and he needed to confirm my attorney's information. I returned the call and didn't reach him, but spoke to a man named Jeffery, who tried to explain what was going on to me.
He explained that I had taken out a payday loan and had not paid it back, and I was facing charges for Violation of Federal Banking Laws, Check Fraud, and Theft. He read off my social security number, my checking account number, my place of employment, my supervisors name, and my address and email address. He would not give me a chance to ask any questions. He told me I had a court date this Thursday (three days away) and asked for my permission to read the affidavit that had been "downloaded to my local courthouse" and to not interupt him during the reading. I could barely understand him, and the phone was breaking up, so I called him from a land line. This time I reached a lady named Jennifer who said that Jeffery was in a meeting and could not answer my call. I got her to explain to me what the so called charges were stemming from, and she again read the affidavit and told me that due to late and legal fees I now owed $5200. When I told her that I had not ever gotten a loan, she told me that their information was correct, and I needed to show up to my court date to contest it. She would not give me any information about the loan as far as the amount or the date, but I eventually got out of her that it was from Cash Net, and that she represented Excel Law Group. I continued to tell her that I never received any sort of loan nor had a deposit into my account. She said, "Well, I believe you, let me speak with our restitution manager, call me back in 20 or 30 minutes"
When I called back, she was not available, and I spoke with Jeffery again, who informed me that he had a confirmation number for the transaction proving that I'm a liar and I took out the loan, but still wouldn't give me any info into the loan. I kept asking questions and eventually he told me that the loan was processed in November for the amount of $350. He then proceeded to tell me that come Thursday, I should have all of my affairs in order because it's obvious that I owe this money and I will be behind bars, may God have mercy on my family.
After than comment, I asked him to provide me with the case number, which I'm assuming he made up, and what court it was filed under, which he could not do. He got more and more abusive, and eventually told me to pay up or face jail, then hung up.
The part that makes me the most angry is that these people already had my personal information and could possibly use it at any time. I had to go to the bank and close my checking account and open a new one. I've not lost any money out of this so far, just the hassle and the insult of someone trying to use my info against me.
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