Jay Patel called with the same line I told him give me my boa account number and he couldn't James hardy is his manager and he was even more unconvincing with his horrible knowledge of my loan. Nice try not today dirt heads

After reading all your comments, I know now I've been scammed. Total is 852.00. James hardy called me too and said that if I didn't pay the above amount by the end of the day boa would foreclose. I panicked and paid. This morning got a call from the manager at boa( which was working with me on my modification for the past few months)    requesting more info. I told her what happened. She told me I think you've been scammed. I feel so stupid. The phone number they called from showed up as an Bank of America number, that's why it seemed legit. He also gave me a direct line at 1-716-240-6668

GOT A CALL FROM 5853103035 SAID THEY ARE GOING TO FORCLOSE . NEVER MISSED A PAYMENT. THESE PEOPLE ARE REAL CROOKS.

I recieved the same exact call from this number saying they were going to foreclose on my home as well. I along with you service my mortgage through Ocwen and was very alarmed to here this information. Thank god I had calmed down  smelled scam and began questioning this phone call. The first clue was he couldn't even tell me what my loan number was on my account. Well I hope all goes good with your HAMP :)

I had a call form nick as well from chase. He did the same thing to me. I did call chase to verify him and they had no idea who he is so I forward his info to their fraud department and even after that he was still trying to  get me to pay him. Haven't heard bark since then however day still young.
Melanie

I got a call from 1-800-474-4047.  We were cut off 3 times but they kept calling back & asked why I was hanging up on them.  James said he was calling from my mortgage company & offered to do a modification.
He then gave me the number of 585-310-3035 to call him back.  I called back & was switched to Michael for modification approval.  Michael said to pay $992 now & modification would be approved immediately.  He asked what I could afford on a payment & I said maybe $1200/mo...he approved me at $1252/mo. for 30 years @ 2.75%.  When I asked for written approval he said he would provide after receiving the $992 which had to be paid NOW.  I told him I would not pay anything until I had written proof....I realized it was a scam & hung up.

I just a phone call from someone to telling me to call this number back.  He said he was from bank of america mortgage lending department and that it was in my best interest to call them because my house was going to get foreclosed on.  The number didn't come in this way, but this was the call back number.  I am behind on my mortgages (1st and 2nd) but working with both companies on them.  And bank of america transferred them or sold them, to other companies.  I couldn't catch his name as he was a foreigner and very hard to understand.  But yes it freaked me out.  I called my 1st mortgage company and he shows nothing of a foreclosure happening with my loan and believes this to be a scam.  They told me to not give him any information because it sounds like a scam because since b of a sold my loan or transferred it to them, it would come through them.  And if it was the 2nd mortgage, they still had to go through 1st mortgage as 1st lien holder.  Told me to google number and I found all of these things that sound exactly like the message he left me.  I called him back but got his voicemail so i will see if he calls me back.   Scary

I recd a phone call from a Nick Patel also and he claimed that they were going to foreclose on my home and that they needed to have the $$$ I was short in my escrow.  I am on the HAMP program and was not aware that I had to pay any shortage.  I also was ready to give him my debit card number and I haulted and asked him if there was another way to pay it and he told me to go to WalMart and get a green.com money card and there would be a 14 digit code on the back that I would have to give him.  After going to Walmart, the girl who was very nice, adv me that she would not sell me one becuase it was a scam...I also cancelled my debit/credit card just in case.  I proceeded to call OCWEN customer service and they did not see anything on my account...regarding foreclosure.  He advised me that the HAMP program is all set and I have already paid my first payment.  THIS IS A SCAM and I also gave the customer service rep the telephone numbers that they are call from and they are going to look into it for their customers.

This is a total scam. I gave him my credit card # and he said he ran it three times and they had technical issues. Thank God I questioned it when he said to go get a greendot card from walmart. I called and cancelled my credit card. He had me going. Said my loan was in default. I was behind so i thought it could be. Said his name was Nick Patel.

Called about mortgage .I called HSBC they knew nothing about it.

I  got a call friday  the 18th or 19 from this number. He had been trying to call me several times.  i IGNORED THEM. well I answered, It was a guy named " NICK "no last name. Says" he was from Chase Bank. I had a LOAN IN  DEFAULT".. WELL, I DID. It wasn't much. I intended to clear it up. When he called he put the fear of God, AND A RELIEF THAT I WAS GONNA CLEAR IT UP, If I worked  with him. Well, I did and, he didn't It is a GRAVE DISAPPOINTMENT, BUT, JUST TO LET YOU KNOW.  FOR SURE AS HE GOT MY 249.00. THAT THIS is A SCAM OF ALL SCAMS.
       THANK YOU VANSSA.

Its not against the law to owe money and they don't arrest you for that, its civil matter:

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."

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

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2

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

Identifying himself as a representative from "the mortgage department"...poor guy...you disclosed that you had a mortgage with B of A on your loanshark loan application. So he spoofs your mortgage company's phone number. It is sad that circumstances force good people into dirty loans...because when you can repay them, there are people that will do and say anything to collect them. It's not a con, you do owe some money to the shark. How to pay it back? Hmmmm... Call the scary man making threats back? Lean on collection laws? Ignore him? What to do?

Called me same James hardy guy said he was calling about a legal matter involving my mortgage with bofa.  I have no mortgage with bofa so I called bofa reported the number this is a fishing scam trying to con you out of money.

I got a call on Friday evening. Didn't answer, he left a message saying his name is James Hardy. Said I need to contact him immediately before I was arrested from my place of residence or employment. He said something about me taking out a loan and it being with Fast Cash International. I have never banked with them, never heard of them, so I told him that. He hung up and I tried calling 8 times. All 8 times he would pick up and hang up. Today I called back. James Hardy answered and I asked him what the deal was why he hung up on me on Friday if he is so interested in finding me. He said no, he didn't hang up on me, we were disconnected. 8 times? Anyway, I asked what the charges were and he said violation of federal banking regulations, collection and check fraud, and account by deception. I told him I have not ever taken out a loan with those people. He said he would look into it and call me tomorrow. When I said I wanted to know exactly when and where the loan was taken out, and that I wanted answers now, he hung up on me. Don't even know who to make a complaint with. Better Business Bureau? Attorney General? I am pretty sure based on comments above, this is a scam and when I google Fast Cash International the report says scam.

Complete spam, and bull. Couldn't even say my name right. Ignore them. This James, probably middle eastern, called me and threatened me. Called again, and I threatened that I'll come to his work with the feds, and report him. He hung up.

Yes I got a call today saying the exact same thing threatening to come to my job and have me arrested . His name was James Hardy. It's a shame these people can call or scam others and nothing can be done about it

I got a call from this number and he claimed to be james hardy and when i called back it said that the magicjack customer you are calling is not available  and then again he called back and strated threatning me . I replied I am reporting this matter to agencies and then he hung up the phone

Yes I did and they said it was fedral crimal an they were very rude..and james hardy was the guy name also.

Got a call from this number, said his name is James Hardy didn't say wat he was calling for. Anyone else get a call from him?