My Dad got a call saying that they were going to serve papers at his house and that if I wasn't there, he would have to go to court in my place. I did call and was transferred to Mary Anderson in Civil Litigation Dept. After she provided me "information" and was able to set up payment arrangements, I call the company that she said I had a payday loan with. They were not able to find any record of me taking a loan out with them using my name, my ssn, address phone... Nothing. The person at the payday loan place also informed me that they use their own debt collection services, NOT GSA. He then told me to get the documentation of the original loan from the collector, as by FEDERAL LAW they have to provide that. When I called Ms Anderson back with that information, she said the reason they didn't have me on record is that they have to look me up by the loan number, they can't by ssn, which, in fact, is a lie. She then proceeded to tell me that if I wanted a copy of the original loan documents, my attorney would have to request them at a cost of $850 TO ME. They (payday loan companies) keep records of all the loans, even if they "sold" them to a collection agency, and would be able to provide information to the consumer no matter what the situation. Even after I called her and did arrangements, they STILL had someone posed as an officer and delivered papers to my dad, whom actually had a REAL sheriff at his house when they arrived.
OH and a warning: by LAW they CAN NOT record your call!!! The moment they do this, HANG UP! Report to FTC and Attorney General and report this attempt to record.
Be wary. Make sure you request the original loan document number (not the case number) and name of originating Loan company. Call the originating company, and they will be more than happy to make arrangements at more than 1/2 the cost.
0 comments