I took out a payday loan in 2013 but paid it back in full right away realizing it was a scam to collect high fees and interest.
Since then, I closed that checking account. I decided to bank at a credit union that offered better benefits.
I'd like to add that I always pay my bills and have good credit; was just a little short on cash.
In the past several weeks, I have been receiving phone messages from a company named Delta financial? They state this is a very urgent legal matter and since I do not have any reason to believe that I have urgent legal matters pending, have ignored the call and not returned the call.
A few days ago, I accidentally returned the phone call. They called me in such a way that I was tricked into calling them back.
I found myself talking to a woman that said I had not paid back the payday loan from back in 2013. She was aggressive and unnerving creating a sense of urgency that I must pay this back now or I would be arrested for check fraud. She said that I owed $859. on a $500. loan at 32% interest. When I indicated that I would be willing to pay, I was put on hold and when she came back on the line she said I owed over $1,000. I then asked her to email me documentation and that at review if I did in fact owe this I would pay. She said that they never send the verification of debt until it's paid. That was a red flag.
From there she became more aggressive in the verbiage and I hung up. I was called about 4 more times, did not pick up but she left one message. Then I was called from a blocked number and when I listened to the message, it was a man with a very scary voice and he said that he was a service processor and that I would be served at home or work in a very short time if I did not make arrangements to pay this loan back right away. He did mentions a case # and I saved both of these messages and I have saved the different phone numbers I have been called from.
Please advise.Vivian Green is the name of the woman I talked to. Phone numbers were 844-259-8340. Thomas K is the person that said he is the service processor. Case # is EK1448-7273. Again, they both emphasized urgency in paying this in full without sending me any written documentation that I owe the debt.
It is illegal to threaten jail to collect a civil debt. It is also illegal to simulate service of process or civil or criminal process to collect a debt.
Moreover payday lenders generally have to be licensed.
From what you wrote, this sounds like a scam. Many payday lenders slurp up extra cash by selling lists of borrowers and telephone numbers to other payday lenders and bottom-feeding shylocks. What happens here is that someone bought your number and is trying to scam you.
A legitimate debt collector will agree to send you a debt verification letter and in fact must send you written notification of the alleged debt being owed, identifying themselves, and must do so by mail in writing within 5 days of contacting you.
I would keep a very good record of the phone calls you're receiving. I add, too, that area code 844 is a mysterious new toll free area code. But it seems to be inhabited by trolls collecting for questionable payday loans. This is the 2nd question I've read today with something similar to what you wrote.
This is a public forum. Any questions or answers published here should not be construed as the giving or receiving of legal advice or the formation of any attorney-client relationship. You should consult with a competent attorney in the jurisdiction where your legal issues are pending and get good, solid legal advice. This being a public forum, those answers you do read are merely given for informational purposes only.
This is a scam. They are fake debt collectors. They will threaten you and try everything they can to squeeze a payment out of you. This is very typical with payday loans, title loans and internet loans. Unfortunately, it is very rare that these people can be found since they are using internet-based numbers (such as Skype etc). In dealing with scams like these for some years, I have never heard of anyone being arrested, sued etc for a payday loan. They are threats meant to scare you into paying, but there is no follow-through from these fake companies.
Mr. Roberson is correct. Unfortunately pay day lender information ends up being provided or likely sold to these criminals. If they call again, tell them you are contacting law enforcement. Usually then the calls stop. Unfortunately, there is little you can do in the civil law to stop or prevent these activities because these are criminals and wouldn't pay a judgment or heed a court order.
Taking your facts as true, this is likely a scam and you have been ID thefted since you gave out all your "pertinents" to some stranger online who likely sold it to thousands of scammers. You need to treat your situation as an ID theft and protect yourself accordingly.
Some of the laws intended to help consumers have only served to make them more vulnerable. One of those laws is the registry that requires lenders to check to see that consumers don't have other payday loans out when they make payday loans.
Since the names and contact information of people who have used payday lenders is in a database, unscrupulous people who have access to the database use it to try to intimidate people into paying two, three, four times for the same debt they already paid.
These people need to be recorded, sued and put out of business.
You have no attorney client relationship with me. I do not know all the specifics of your case, some of which might affect the response I made, which is not legal advice. State laws vary, and I cannot opine on the impact of the laws of any state other than Florida.
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