New Twists to Telephone Collection Scam Related to Delinquent Payday Loans
Washington, D.C. February 21, 2012     

   FBI National Press Office (202) 324-3691

The Internet Crime Complaint Center (IC3) continues to receive complaints from victims of payday loan telephone collection scams. As previously reported in December 2010, the typical payday loan scam involves a caller who claims the victim is delinquent on a payday loan and must make payment to avoid legal consequences.

Callers pose as representatives of the FBI, ?Federal Legislative Department,? various law firms, or other legitimate-sounding agencies and claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, or other Internet check-cashing services. The fraudsters relentlessly call the victim?s home, cell phone, and place of employment in attempts to obtain payment. The callers refuse to provide information regarding the alleged payday loan or any documentation and become verbally abusive when questioned.

The IC3 has observed variations of this scam in which the caller tells the victim that there are outstanding warrants for the victim?s arrest. The caller claims that the basis of the warrants is non-payment of the underlying loan and/or hacking. If it?s the latter, the caller tells the victim that he or she is wanted for hacking into a business? computer system to steal customer information. The caller will then demand payment via debit/credit card; in other cases, the caller further instructs victims to obtain a prepaid card to cover the payment.

The high-pressure collection tactics used by the fraudsters have also evolved. In one recent complaint, a person posed as a process server and appeared at the victim?s job. In another instance, a phony process server came to a victim?s home. In both cases, after claiming to be serving a court summons, the alleged process server said the victim could avoid going to court if he or she provided a debit card number for repayment of the loan.

If you are contacted by someone who is trying to collect a debt that you do not owe, you should:

   Contact your local law enforcement agencies if you feel you are in immediate danger;
   Contact your bank(s) and credit card companies;
   Contact the three major credit bureaus and request an alert be put on your file;
   If you have received a legitimate loan and want to verify that you do not have any outstanding obligation, contact the loan company directly;
   File a complaint at www.IC3.gov.

Giove Law Office, P.C.
Cambridge, Huxley, and Associates?
formerly Lenahan Law Firm
aka Account Management Services
- and a dozen other names.

Before you pay them any money read this:

For up to the minute information on Giove,
visit Giove Law Office Exposed

3695 Pine Avenue
Niagara Falls, New York 14303
Phone: (716) 284-0484
Fax: (716) 284-0485
   Rodney Anthony Giove, of Niagara Falls, NY started out associated with a Niagara Falls, NY law firm. He either could not cut it, was fired or likely too inept to practice law. He now can be seen driving his new Range Rover around Niagara Falls LOADED with cash, he makes from his new career renting his law license out as a debt collector.

    His new partners; Douglas J. Mackinnon, Mark Bohn and company make up the nucleus of the WORST debt collection organization in America.

   It should be made perfectly clear that Rodney is incapable and has NEVER litigated a collection account under the Fair Debt Collection Practices Act (FDCPA), the federal law that regulates debt collectors.  They cannot, they have NO training, and rented law license are NEVER used in a courtroom.

   Consumers are warned to stay FAR away from anyone representing to collect a debt for any of these illegal operations. They will NEVER file any lawsuits; there are NO court orders, judgments, wage garnishments, or any other legal proceedings going on, except the ones in their drug induced heads. These sick people should be avoided. They are also desperate to make money, while they still have their freedom.

   NEW YORK STATE BAR:
   Attorney Grievance Committee
   295 Main Street Suite 1036
   Buffalo, NY 14203  (716) 858-1190
   With your complaints and ethics charges

Please go to   www.ftc.gov  and file a complaint on these people they are going to do a huge investigation and the scammers will be stopped!!  if you have 5 minutes do it!!!

What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

   use threats of violence or harm;
   publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
   use obscene or profane language; or
   repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

   falsely claim that they are attorneys or government representatives;
   falsely claim that you have committed a crime;
   falsely represent that they operate or work for a credit reporting company;
   misrepresent the amount you owe;
   indicate that papers they send you are legal forms if they aren?t; or
   indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:

   you will be arrested if you don?t pay your debt;
   they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
   legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:

   give false credit information about you to anyone, including a credit reporting company;
   send you anything that looks like an official document from a court or government agency if it isn?t; or
   use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

   try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
   deposit a post-dated check early;
   take or threaten to take your property unless it can be done legally; or
   contact you by postcard.

THE SCAM:

THE SCAM ARTIST CAN PULL UP OLD DEBTS OWED LIKE A PAYDAY LOAN OR EVEN AN OLD CREDIT CARD DEBT.

THE SCAM ARTIST CAN ALSO PULL UP YOUR NAM, LAST KNOWN ADDRESS AND PHONE NUMBER.

THE SCAM ARTIST CAN CALL YOU AND PRETEND TO BE A LAW FIRM USING SCARE TACTICS TO CONN YOU INTO PAYING THE OLD DEBT.

THE SCAM ARTIST CAN OFFER YOU A DEAL IN TURN YOU THINK YOU ARE PAYING OFF AND CATCHING UP WITH THE OLD DEBT BUT IN REALITY YOU ARE JUST PUTTING $ IN THE SCAMMERS POCKET.

THE SCAM ARTIST WILL CALL YOUR WORK, PARENTS, FRIENDS AND ANY CONNECTION THEY CAN GET TO YOU TO SCARE YOU INTO PAYING THIS IS ILLEGAL AND THEY KNOW IT!

FACT:

A REAL LAW FIRM WILL NEVER CONTACT YOU BY PHONE
IF YOU WERE GOING TO BE SERVED IT CAN ONLY BE IN PERSON
A REAL PROFESSIONAL LAW FIRM WOULD NEVER GET OBSCENE OR THREATEN A  PARTY.
YOU NORMALLY WOULD NOT BE SUED OVER A DEBT JUST ACQUIRE BAD CREDIT AND OWE
IF YOU ARE QUESTIONING THE DEBT GO STRAIGHT TO THE SOURCE ASK WHO AND WHAT IT IS FOR AND CALL THAT COMPANY DIRECTLY. EVEN IF IT IS A PAYDAY LOAN THEN CALL THE STORE YOU GOT THE LOAN FOR AND ASK IF THESE ARE THEIR DEBT COLLECTORS IF THEY SAY NO MOVE ON IF THEY SAY YES GET A LAWYER AND PRESS CHARGES AGAINST THE PAYDAY LOANS STORE FOR HARASSMENT, TERRORISTIC THREATS AND ILLEGAL COLLECTION OF A DEBT.

Your probably one of the dicks working for the company lol!!!  Even if you owe a payday loan you would never be served over the phone.

Here are 20 other numbers they call from I know they are a scam I fight with them all the time I block number after number I changed my number and somehow they still got the new one they have been calling me since August 2010 If I block the # they call unknown. They call my parents house because it was my last known address.  You think they would get the hint since never give them any info and fight with them constantly!! They have threatened to have me served about 20 times have I ever been served NO lol!!!  They threatened my dad saying I was going to be arrested in 24 hours he told them bring it on did anyone come NO lol!!!  What a joke is what I say I just laugh and hang up they get so pissed they call back and leave a lame message that I am not intelligent because I am about to go to jail lol  OBVIOUSLY they are the unintelligent ones because they have nor will they ever see a penny from me and waste their time trying!!!  KISS MY A$$!!!!!!
716-504-3131
716-504-3145
716-504-3155
855-862-4360
855-267-4168
512-994-3607
757-961-3544
855-379-0338

Yeah, I recieved a call like this today.  They used my maiden name and referred to a returned item from my bank.  I have no bank account with my maiden name and have not had one for 10 years.  When they call back, I will ask for which bank account and let them tell me.  If they can't, I will call the Better Business Bureau on them.

This is prob in regard to a pay day loan. I received a call from them in regards to a friend taking out a loan that he didnt pay back. He must have put me down as a reference. Next thing I knew, he was sued for fees on top of the loan that was not paid back. These loans never go away. maybe you guys should pay your bills too. If they have all your info, you know you took it out.

Came home to the exact message "we are calling regarding  the returned item from your bank, that requires your immediate attention" on my machine. Love the way they have the woman then the threatening guy deliver the message.
And the way they refer to "your bank" ... we use THREE. Which one, nitwit?
Not a solicitation. No, it's a SCAM.
Thanks, Information Please, for that info on their name and location.
As it happens I'm IN New York, and Amhurst ain't that far out of my way.
Guess I'll go knock on their door and say "I am calling regarding the crime you committed against me."

This stuff's gotta stop and if that's what it takes, I'm up for it.

Received same msg on voice mail and knew positively not for us.  Thanks for this info.

I do not have any idea of what they are talking about___

Received phone call and voice mail that I needed to call about a check returned from my bank which is not true.  I would really appreciate not receiving phone calls like this from them ever again.

Yeah- I got a call from them, they left a message without saying who the message was for. They said an item had been returned by my bank. I haven't ever bounced a check or been overdrawn in my entire life (granted, I'm only 30, but still, never). So I called from my office phone. He pulled up the phone number, my cell phone number that they had called. He gave me a name that wasn't mine. I told him it wasn't me and he said "Are you sure? You know lying about these matters only makes it worse and can make you vulnerable to other criminal charges, in addition to the onces you're already facing." Whatever schmuck- It's not me. I pay my bills.

That's dumb.  You would be hearing from the IRS (mail or otherwise) before some collection company...

Said the same on my voice mail.

"Urgent" message 01/13/201
Briefly, Contact name Jessica,
Case # D-213802
Name given: David Harder(?)
All other  attempts at contact have failed
Ph: 855-379-0338, Ext. 328

SHE WAS READING FROM A SCRIPT, VERY BUSINESS LIKE, AND "LEGALEZE" TYPE LANGUAGE.
I DID NOT CALL THE NUMBER. 'JUST DELETED THE MESSAGE.

This Business is not BBB accredited
Cambridge Huxley & Associates, LLC.
Phone: (855) 379-0338
3840 E Robinson Rd # 243, West Amherst, NY 14228
BBB Business Review on Cambridge Huxley & Associates, LLC. is being Updated by BBB

http://www.bbb.org/buffalo/business-reviews/c ... t-ny-214539038/

Cambridge Huxley & Associates, LLC
3840 E Robinson Rd Ste 243
Amherst, New York, 14228

mkovic@cambridgehuxley.com
www.cambridgehuxley.com

Moya S. Kovic, Owner Rodney A. Giove, Attorney (rumored to be partner)

Aliases Other Locations
Giove Law Office

http://www.collectorsexposed.com/collectors/index.php/topic/2318-cambridge-huxley-associates-llc/

calling me and everyone I know about a debt that I DO NOT OWE. Making me very tired, and I do not even know what they are talking about!!!

Tired of them calling my job. They said it was concerning my 2011 taxes.  I doubt that.

Received a phone call. No message left.

IN ADDITION, THE MESSAGE ALSO READS, AND WHEN CALLING, PLEASE REFER TO FILE NUMBER PLEASE.  GOODBYE.  THIS IS NOT A SALES CALL OR SOLICITATION.  AND WE WILL BE EXPECTING  A RESPONSE

received this message "we are calling regarding  the returned item from your bank, that requires your immediate attention.

Tired of these people calling my job.

i got a call from a jim bilak saying i owed a bill from 1994. he said i can either pay him $4000.00, or let me have my way with his bum. so i did, now i am debt free