I was called today by a company in Chicago, IL called PDLR. I asked what that stood for, and "Mr. Walsh" said "Nothing. That is the name of the company." PDLR was hired by United Cash Advance to collect payment on a loan I supposedly took out.
I asked when the loan was taken out and "Mr. Walsh" said he did not have the exact date, but it would have been 1-3 years ago. When I asked what the amount of the loan was, he said he did not have that information, only the "principle" amount United Cash Advance is making a claim for.
When I asked for details about United Cash Advance, I was told that they do not give out information about companies they work for, I would have to look it up online. When I asked for even a City and State or a phone number, he said I would have to look it up online.
I could not get an address for PDLR either, only a city and state. But I did get a phone number. 877-269-0088.
Here are the details I could get:
(Supposedly) I took out a loan with United Cash Advance. They deposited the money in my bank account. When they went to withdraw the payments, my account was closed.
The loan was supposedly taken out 1-3 years ago. I did close an account with the bank they told me the deposit was made to within the last 3 years. So, that sounds credible.
The address they had on file for me I moved from just under 3 years ago. So, that sounds credible.
However, normally these types of loans begin the payback process within 4 weeks of taking out a loan (your next pay day). Based on the information they provided, they would have had to made the deposit before I closed the bank account, and tried to withdraw a payment after I closed the account... So they would have had to make the loan somewhere between the end of Sept and the end of Oct. That is at least 6 months AFTER we moved away from the address they had on file.
The other thing is, their name is very similar to a company we have actually used in the past... Actually, have used as recently as 6 months ago. So, with them sounding kind of credible with the vague info they had, they could have succeeded. I may have thought I forgot to pay something back, if not for two things...
1. The above paragraph showing how the time line does not add up.
2. I have never taken out a cash advance with any companies online within the last three years. Only my husband has. I do not qualify for online advances because I am self-employed with no set pay day. But they claim it was in my name.
I am going to fight back... Now that I have these details. Any suggestions?
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