I got a call from them today. The number on my caller ID read (323) 306-5473. He left a message and said his name was James Lewis. He says he was calling about a "order" that was submitted and would need me to call the "firm" back at (888) 856-5461 to verify my place of employment or address. He then repeated that I had a "claim" and "charges" submitted against me. He also notified me that I would be given "ONE" opportunity to resolve this matter. He ended the vociemail by said I'd "officially" been notified.
So I called back to find out what the hell was going on... A lady answers, I give her my name. She goes on and on about a claim and charges and bla, bla, bla... Oh yes and she also said that I would be charged with fraud and something else... I then interupt her to find out WHAT and WHO the "claim" and "charges" were from. After continuing on for another 2 minutes or so, she says it's from a payday loan in 2007 from "Interim Cash". So I ask her WHO is that and can she send me proof that I owe the said amount to this Interim Cash place, because I honestly don't remember them. I also asked her how did me not having money to repay a loan constitute fraud? If I lost my job or something happened and I just didn't have the money, that is NOT fraud. Furthermore, I got 2 payday loans in 2005 which I paid back in full. She then reads off the last four of my social and some references I supposedly gave at the time of the loan. I told her if she can send me "verification" and I agreed that it was me, I would repay the amount. She then transfers me to a joker named "Joe" or "James" (I don't remember his name exactly).
"Joe/James" was very rude. He informed me that they were not a "collection agency" and that they were the last step before these alleged "charges" would be filed. After going on and on I gave him my card number (one that is not funded) so I could hold them off while doing my own investigating to see what was really going on. He set up a payment plan and the first payment was to come out 5 days from now. BUT I thought about it and the fact that the only information that I had on this company was the name "GLOBAL" in Santa Monica supposedly. So I look them up and no information comes up. This raised red flags with me, so I decided to call them back and probe some more...
When I called back, I asked identifying questions to try to probe more into the info on the company asked them what was behind the name "Global" (i.E. Law firm, collection agency, corp, etc...) they told me it was just Global period. I then spoke with "James/Joe" again and told them I wanted to send someone on my behalf to walk in a payment since they were in Santa Monica. He said "we don't allow walk in payments but you can have a po box address." I asked him to tell me more about the company. He became IRATE and started telling me that they were a mediation group, they are not a law firm. I asked him why he was so upset, and told him that as a "mediator" shouldn't he have a calm demeanor??? I then explained to him that if he wanted my card info to take a payment that I would need to know WHO I was giving my info to. He was livid and spitting a bunch of threats and bs at this point. I again asked him what he was so angry for and that if I wanted information, he was paid to give it to me to get this payment. He was on the verge of cursing me out at this point and yelling at me to not "worry about his finances". He then said "are you going to pay or should I note that you are refusing to cooperate" I told him " I was uncomfortable with his attitude and his unwillingness to give me company information and that I would NOT be paying them". He then told me to provide him with my address so that they can serve me. I told him "you guys are paying the locaters to locate me, so let them find me..." that concluded my conversation with him because I hung up and blocked all their numbers from calling my phone.
I can't imagine that a company can call you, threaten you with criminal prosecution, and take your personal financial information over the phone without ever sending you any correspondence or giving you any information about their company. Use your brains people!!! Lets give them the benefit of the doubt and say they're legit... They are not the ones prosecuting you because they're NOT a law firm (from their lips to my ears). Wait for these "papers" to be filed and settle it in court. Remember this is America and you are "innocent until proven guilty". If they can't confirm the debt with you over the phone, they sure as hell will have to in a court of law. But then again, if they are going to "prosecute" me you or anyone else, shouldn't they just do it instead of "harrassing" ppl???
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