They have started in with a new number now (551-226-6041), so the game begins again!  This time when the guy identified himself as an "officer", I told him he has called a crime scene and I started interrogating him.  He hung up after some stuttering and stammering.  Anyone who did not see my last post, here it is again with some more creative ideas on how to deal with these idiots:

"OK, first off, everyone CALM DOWN and don?t freak out about these guys.  No matter what they say or what they threaten, they CAN?T do anything to you.  I know every one of us has tried filing reports with law enforcement, FTC, FBI, ic3, etc.  It doesn?t seem to work, because these guys aren?t even in the USA.  So take a deep breath, relax and don?t let them ruffle your feathers.

Now, I started getting these calls about a year ago.  I have personally used all of the tactics below, and they do stop calling me for about 6 months?so the way I figure it, a little time out of my day to give them back a taste of their own medicine is worth it for 6 months of peace and quiet.  Keep in mind, as well, every minute you spend screwing with them on the phone is a minute they are NOT able to scam someone else.  (And the only way they will ever stop is if nobody pays them any money ever again!)  And now for the fun part?how to screw with them back.  I will start with the easiest and move up the line with the more time consuming:

If you have no time to mess with them:
a.    Just don?t pick up the line.  Let it go to voicemail and delete the message.
b.    Pick up the line and immediately hang up.  Keep doing it until they stop.
c.    Pick up the line and use an air horn or police whistle blown straight into the mouthpiece of the phone.  (I personally like the canned airhorn the best.)
d.    If they call while you are driving, turn the radio up as loud as possible and answer the line on speakerphone.  Don?t say anything, just let them listen to the blasting music.  Heavy metal music works best, but I personally have a CD with Star Spangled Banner on it, so I play that as loud as I can.  Just leave the line open with the music blasting until they hang up.

If you have a little more time to mess with them:
a.    Ask if they are related to the deceased (insert your name here as the ?deceased?) or just a family friend, because ?the viewing of the body if for family only, but the memorial service is open to everyone.?  Ask if they would like directions to the funeral.
b.    Simply tell them that you have read all about their scam on the internet & seen it on the news on TV, so you aren?t paying anything.  Don?t listen to any response, just hang up on them after saying this.
c.    Use this one only if you are willing to be as crude as they are:  Using the name they gave you (i.e., ?Officer Mike Taylor? was the last one I got), say, ?Is the this THE Officer Mike Taylor I read about on the internet?  Is it true what the posts online say, that you have such a small d**k that even camels won?t have sex with you??  Then hang up on them.
d.    (For this one, I must first apologize to PETA and all vegans, but it highly offends the scammers because they consider cows to be divine beings.)  Tell them you don?t have time to speak with them, because you work at a slaughter house and you have over 100 cattle you need to ?kill off? before the end off the day.  Then hang up on them.
e.    Are you good with theatrics?  Then try this one?it was actually highly effective for me:  Put on your deepest, scariest, growliest voice and just whisper into the phone over and over, ?I command the demons to come for you, I command the demons to come for you, I command the demons to come for you??.  Just keep whispering it over and over until they hang up.  I think this one worked well because they are quite superstitious.
f.    If you know a foreign language, answer the phone in it and just keep talking in unintelligible phrases.  The more obscure the language, the better.  Don?t know a foreign language?  Pig Latin seems to work just as effectively.
g.    Ask if they are calling from the convenience store, and can they give you last night?s winning lottery numbers, because you are sure you have won.  For any response they give to it, just keep yelling over and over, ?I won! I won!?
h.    When you answer the phone, ask them where your pizza is and tell them because they didn?t get it to you in the ?30 minutes?, you?re not paying for it.  Hang up.
i.    Tell them you are at work right now, but to call you back on your ?home? phone, and give them this number: 202-835-0778.  (This is the scam and fraud reporting division number at the FBI.)  Hang up.

If you are REALLY p***ed off, and have plenty of time to screw with them:

a.    Go on to Craig?s List and post an ad in the wanted section or services section  saying you are looking for a payday loan company because you need a loan.  Ask they call you right away.  List the scammer?s name and phone number as the contact information.  (This sends the scum-sucking bottom feeders off to call the other scum sucking bottom feeders?LOL)
b.    Go online and look for every free daily horoscope, free insurance quote, free mortgage lending, etc., and click on the ?have an agent contact me? link.  Type in the scammer?s name and phone number.  Viola!  Now they will get flooded with telemarketers as well.
c.    If you would like to blow off steam, and have no problem with swearing, just keep calling them over and over pretending you have Tourette?s Syndrome by just screaming obscenities in the phone until they hang up.  This works pretty good in the car, because no one else can hear you and it is a good tension reliever.
d.    Log onto these payday loan sites and enter all of the scammers? information on it.  This way they might even wind up on their own list!
e.    (Do NOT attempt this one unless you have state of the art spyware & virus protection, and even then, you still are taking a risk):  Go into your spam folder on your computer.  Find every email you can about ?you won millions of dollars? or ?the Nigerian lottery? or something to that effect.  Send it back with all of the scammers? contact information.
f.    Research for the phone numbers to both local and national TV news stations ?breaking news desk?.  Again, tell the scammer on the phone to call you at your ?work number? and give the number to the news station?s phone number.  (Hopefully, if the news stations get enough of these calls, they will start airing more stories about it, reaching more people and reduce the number of victims that fall for this.)

Again, before sending money to ANYONE, stop. Think.  Do you have any paperwork showing you owe money?  If not, ask for paperwork.  If they refuse to send it, they are scammers.  A real collection agency will always: 1. provide paperwork; 2. never yell or cuss at you; 3. never require you to pay first before receiving paperwork; 4. never identify themselves as an officer of law enforcement; 5. never threaten you with jail, arrest or physical harm.

Why u calling an or u real

That's Funny.....Kinda Sad but funny though.......

THIS COMPANY IS A FRAUD

I started getting a call from them at 8am, when I told them they had the wrong number, they proceeded to call me every 5-10 minutes all day, always a new number, always an indian accent. I told them twice to remove me. The third time I cursed them out and they told me, "F*** you." This should be illegal.

YES, I HAVE BEEN GETTING OVER 15 CALLS FROM THESE PEOPLE I TOLD THEM TO TAKE ME OFF OF THE CALLING LIST AND NOT TO CALL ANYMORE NOW THEY WILL NOT STOP, THE LAST CALL WHICH WAS JUST MOMENTS AGO THE GUY SAY IN ORDER TO RECEIVE A LOAN FROM US YOU HAVE TO S*** MY ****, I TOLD HIM HE DID NOT HAVE ONE.

I was looking for a loan i to was bombarded with calls they are scammers they ask you to send money for the first payment then you get no money i was scammed for $754 which screwed me when i needed the help so do not answer our send money

so will they use your social these indians gave me 3 different company names they had an idiaian axcent

Caller left profanities on my business voice mail after I told heri was not interested in any auto loan and hung up.

Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action

Also read up on the laws and your rights:

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

And see:

http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing?
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer?s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
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A Collection Agent May Not?

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer?s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector?s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer?s debts with third parties other than the consumer?s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
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Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

? filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim?s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims? relatives, friends, and employers.

Got repeated calls from this number - nearly two dozen in one eight hour day. Answered it a time or two and had a guy with a heavy Indian/Pakistani accent try to give me a car loan he said I'd applied for.  Then the same guy (Sam Jones) called thirty minutes later to tell me I'd be arrested for some loan I'd not paid back.  My bank manager confirmed what I suspected...scams run thru these routing systems with fake numbers.  

The Indian guys call from various numbers and will start being vulgar and cursing if you call them out about it being a scam. That's how you know it's not legit!!! The numbers are spoof numbers so they cannot be tracked. It's always the same guy. The same number called twice once stating that I could receive 7000.00 and the very same number called back and said I would be arrested for not paying a loan back. They don't even know they are calling

My husband has received a call from this number and I ended up answering the phone. After I had told him that we were not interested in any kind of loan from them one of the guys started talking to me sexually, and when I had hung up on him I called them back to talk to a manager.  The first manager ignored me, and as soon as he hung up on me the guy had called back, and I let him talk to my husband... He proceeded to tell my husband he wanted to talk to me, and was telling my husband what he wanted me to do to him.. My husband hung up on him so I called for the manager back a second time and was finally able to tell the manager what had happen.. So I'm tell anyone who gets a phone call from these people to be aware they might try to talk to you inappropriate.

I was looking for a loan online and the next day i was bombarded with calls about a loan and most were from INDIAN men with american names. Jack Williams and David John were two I could remember and laugh about. Not only were they hard to understand but when questioned about there sophisticated american names they had lived in america all there life. Never have I met any Indian that has lived here their whole life that is over 30. These guys are a huge joke.