Private callers call my phone all the time.I found out thru friends about these calls,I also did a lil investigation myself.I found out they are payday loan companies trying to collect on loans that were taken out using your checking account info online,I called to verify loan thru my bank they verified the loan was deposited in my account.I called Cashnet and they told me they sold my loan to somebody else so I called and they gave me a chain of title meaning who and where my debt was sold to.I called like 3 different numbers to verify who has my debt.Spoke to a man who verified my social security and drivers lisence number and went on about debt.They only accepted credit card payments only which was kinda wierd because many take mail ins and cashiers checks,Anyways asked the man to email me letter so I can verify who they were and they seemed to be legit,yeah everyone says their scams but it the way they come off when they first call u but after that I guess they mean no harm so I did pay the bill and received a paid letter as promised.
Yup, these shills forget there's state laws to deal with as well as federal, but then scammers don't obey laws let alone believe in them. They also don't think the shill posts will catch up with them either,lol!
The laws only keep the honest ones honest..
And, if you happen to live in the State of Vermont, collection agents may not call or visit your place of business.
That, combined with the number of people who are dropping their landlines in favor of just using cell phones, must make the debt collectors crazy.
Looks like someone got a "Copy & Paste" Kit for Christmas!! How many times does the same shill have to post the same nonsense??
Does that mean that you are a crack head too that needed a fix?
Wow! I didn't think you guys would ever get those shill-stains out. Even if you used Bon-Ami. (Think "The Ghost & Mr. Chicken")
I don't think that Mrs/Mr Brooks can resolve all his/her problems with his/her poor gains...for that it needs at least first prize in Mega Million, and grammar is the least of hers/his problems...but you are right, one thing at the time ;)
Take your ill-gotten gains and take an English course. You know, grammar, punctuation and spelling!
ALL of you must have matriculated at the same institutional learning center!
Are you related to Leslie Manns?
Your typing, errr, writing is IDENTICAL!!!
Forgot? ROFL.. you can't forget what you didn't have to begin with shill.. Now back to the boiler room, your brooms missing you! ---->
What happens when you shill..
http://800notes.com/forum/ta-88747d175513656/ ... 717404327882938
Now Mr Malone. Would you please stop that.
Three as far as I counted, and there might be more;
Here's what's really true...
We, the honest, informed shill-fighting members of 800notes are making it hard for YOU scumbags to scam people.
I have a question for you --- how many different fake names did you post under in this thread? It is clear that all of the same fake testimonials (all written in the last hour) were posted by the same illiterate that can't complete a sentence.
BTW, what on earth make you think that even one person posting in this thread owes anyone a dime?
Well, it is a shame you can't blame your poor spelling and grammar on booze. You are illiterate. No one can help you, even that low-life bottom-feeding maggot Mr. Malone.
You are nothing more than a shill who is planting false testimonials on line as part of a conspiracy to support a scam.
Now, please crawl back under your rock
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."
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.
James carr Leslie manns David G. Manda Brooks Your real last name is Shill, you forgot to add that part of it! Its way to obvious with the posts just minutes apart that is what you are. Too bad you can't make up your mind what your name is, either that or you should hurry down to the nearest shrink for that Identity crisis you appear to be having.
But while your at it, stick this in your pipe and smoke it...
Extortion Scam Related to Delinquent Payday Loans
December 07, 2010 FBI National Press Office
? 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.
I think we need some extra strength shill-be-gone in this thread!
never had a payday loan and never will!
I think the people bashing mr Malone are the ones who intentionally Frauded the payday loans and took their money to prolly buy booze and drugs which is so sad but hey that what crack heads do when they need their fix mr Malone is out to help people who actually want to pay but need help u scum bags make it hard for ppl like us to get ppl like mr Malone to help us
I really have respect for this guy he's helping people who got ripped off by these payday loan companies he helped my mother out with hers and was real great about it he offered my mom a payment plan and saved her from all penalties and interest that payday loan companies try to charge you anyways like I was saying he's not a bad guy he does help u out if ur willing to resolve your loan he will take care of you.Oh by the way ladies my mom said he has a deep sexy voice lol
another lying shill!
Hey folks this guy mr Malone he's really not a scammer I dealt with him for some Of my payday loans he doing his job he also helped me out alot you know deep down that you owe it so just pay it and get over with cause its the right thing to do lets keep positive people if u Work with them they will work with u
Mr Malone called be too but was at first intimidating voice was deep and harsh but when he told me it all from payday loan I remembered that I took loan out few yes back and honestly forgot to pay it but he did the same for he saved me a few hundred dollars and settled my file for less of what payday was charging me I was just happy I got it paid thanks to him I used the money he saved me and fixed my car
Actually mr Malone called and said the same about a bad check and I found out it was actually a draft outta my checking acct for a pay day loan,however mr Malone did help me out he reduced the interest and close my file for less of what the pay day loan charged me,he was cool with me about the whole thing
This guy is a scammer. He's been calling my house too. Do NOT give him any information.