4694845750

'dont play' is forgetting one useful little nugget of information here...

The bank HAS to be willing to file a replevin or claim and delivery.  If they aren't then they merely amount to false threats made by an overzealous debt collector.  Helpful tip:  If you get this sort of call, then call your bank and ask them if they intend to "go legal" on you if you only pay what you can and see what they have to say.  Most of these banks have collateral protection insurance which protects them from losses and what sleaze-bag companies like these do is a cheaper way of paying a deductible to an insurance company.

There who is nothign worse than a pissed off skiptracer who works for commission.  They'll break every law written just to try and get even with you and get their $100 out of it.  

To prove my point, I'll bet the next response encourages you to call your bank so they can close and bill on a locate.

Show me one case where that law has been exercised!  Each and every time a cop is called to a repossession they say it's a civil matter and order the repo agent off the property.  The only way that this law makes it in is when someonme doesn't turn a car over as part of a court order, and that's why there's bankruptcy.

Is that why you tell everyone to go to the bank and call them once payment has been made?  So you can close and bill on a locate?

Harassing phone calls about a debit that is not mine. It is illegal to contact anyone regarding someone else's debit.

My pastauto loan was charged off by capital one auto finance to the windsor group. I called the windsor group today and asked to pay my car off in full. I only owe $3000. They told me no. They want to pick up the car and send it to auction and I can pay whatever they don't get from auction. I just want to pay off my car and stop hiding it. Please give me helpful advice.

You are not kidding. These people harrass my mother in law, my brother in laws, and they try every trick in the book including telling our family we wond the lottery in order to get our telephone numbers. It is Capital One hiring these bums. Our truck was stolen right off the street and these idiots think we are withholding the vehicle even after getting the stolen report they are scandelous. Do not fall for their crap!!

wrong, you have no jurisdiction for arrest

Ive been getting calls from these people claiming to be investigators and their looking form my ex husband.  We been divorced since 1996!  I have nothing to do with him and don't care too.  they want information and it their an "Investigator" then why are they bugging me do your investigation and stop harrassing me, my parents who live on the east coast and my sister who also lives in another state. I have told them to stop calling and remove our numbers but they continue to call.

handel or handle?

Windsor Equity caled this morning, but didn't leave msg. Called back 10 min later and left msg for me about a civil case. Left phone number, ext number, and case number. All of our vehicles have been paid off. One is over 20 yrs. old, one has been paid off since 1991, and the most recent in Spring of this year. We have titles. should I even call them back?

I received a message on my home voicemail from this number. The caller said he needed to get a hold of my neighbor at 39 Bluegrass (I live at 44 Bluegrass) and if I would help hime out by getting a message to my neighbor to call him back at 877-295-7376 at x 1103.

My caller ID showed the call was from Windsor Equity adn the phone number was 469-484-5750.

The name he gave matched my neighbors name. This is a first, having somebody call me to track down a neighbor to collect his debt. One, it's none of my business, and two I'm not going to embarrass my neighbor by knocking on his door. He's obviously having a tough time right now and this is a very rude way for this company to handle the situation.

i,m a repo man with my own truck ready to work t-n-r-recovery 817-696-17-93

these people are persistent. I got a call from them, left a message, no name they were contacting just a case # & that my name came up. So I call back, and have to leave a message. I left a message for the case manager telling her that I refuse to leave my name, that since she couldn't tell me who she was contacting, I don't feel I need to give my name, that I believe she has the wrong #.

She calls back 2 min later, I answer, and she starts telling me that my name came up in a case. Well, she still has yet to tell me what my name is. So then she asks about the phone #, I tell her that yes it's my #, but that I've had it less than a yr, and that I'm probably not who she's contacting. She then tells me who she's looking for, I tell her I have no clue who that is, then she finally asks me if my name is the same as who she is looking for. I tell her that's not my name, and she can call my phone company to find out who's name the # belongs to. She tells me the date I got my #, but that the name doesn't show WTF. Then she asks me how long I've lived at my address, which is a month. I even told her I could send her a copy of my lease, she said she was pulling it up.

These people just don't friggin' listen. I don't know how many ways you can tell someone that they have the wrong #.

May I suggest that we are not all bad people. We are just doing a job for a client. If we have incorrect or outdated information then by all means call and let us know. Most of us will work just as hard to show that our info is incorrect as we do to find you or the vehicle.

Believe me. If more poeple would just let us KNOW that we have been given incorrect information - or that the results of our skip tracing is in error we will correct the situation.

When we DON'T hear form what appears to be a valid phone number (or email or whatever) it just makes us try that much harder because LO AND BEHOLD - people hiding the assets from the rightful owner will not answer the phones or respond to attempts to contact them.

All of you know that auto purchase contracts include a provision that you notify the leinholder if you change addresses (domicile address), phone, employment, etc. Naturally, the ones who are dodging don't do that so the leinholder has to find the person again and often that person has given the vehicle to someone else TO HIDE IT!!!

How difficult is it to just tell the skip tracer that you are not the person, don't know the person, don't want to get involved, etc. Also, I hate to be the one to point this out - but the same debtor you are hiding PUT YOUR NAME DOWN AS A REFERENCE. They led us to you in the first place.

I say again. Most of us here ar Windsor are just normal people trying to do a job for a client. We have no personal feelings about it one way or the other. I, for one, am more than happy to HELP clear up a misunderstanding.

Try me.

Funny. I guess you might think we haven't tried EVERY means of contacting your neighbor BEFORE we bothered you. However, your neighbor has not only ducked from us HE IS ALSO COMMITTING A CRIME by concealing the property we are looking for.

Yes, the agent that called you was asking for your help. Same as you would if you got broken into and robbed. You'd EXPECT your neighbors to assist in identifying the thieves who took from you.

Since it's not YOU (this time) it's easy to stay uninvolved. Let's hope you don't ever need the reciprocal favor from a neighbor and they don't ignore the investigators.

There are bad apples in ANY company. I've never dealt with a company where everyone was an angel and all was well with the world.

Hell, I work here and don't like all of the people and don't agree with everything they do - BUT - most of the people here are actually good people. Just doing a job.

This company does collections on charged off auto loans from Capital One. They are ruthless. They will break the FDCPA every chance they get. Know your rights! Record every phone call! I dealt with Investigator Brian Jennings. Record every phone call and threaten to sue them in writing and verbally. Here's what happened to me: A@@hole Brian Jennings and Windsor dropped my account after I showed them audio recordings of Brian Jennings verbally breaking provisions of the FDCPA!! They told Cap One that they wouldn't work my account after I threatened to sue them for $2M in a written letter.

Don't let these people intimidate you. Be prepared, Brian Jennings and his manager will tell you AND family members: "You are committing theft by conversion by not returning the vehicle !! You are going to be arrested very soon !"

Don't listen to these people. It's a lie, harrassment, and unlawful! It IS technically possible that an auto loan creditor CAN make a request for an arrest warrant on the basis of "Theft by conversion", meaning, "Theft of the collateral by converting it from collateral to your own property". However, in practice, this does not occur. Creditors and judges know that it is socially unpopular to "Put in a person in jail for not paying a debt", so it almost NEVER happens.

I hope you're reading this Investigator Brian Jennings!! You are scum !! Remember me?

Not to mention, Debbie... that these gutter rat's are about as unscrupulous and untrustworthy as they come. They operate JUST over the line, and then some, of what's legal... breaking many the rules as outlined by the Federal Trade Commission as well as breaking the law as outlined by the FDCPA- Fair Debt Collection Practices Act.
They ATTEMPT to give the impression that they operate from higher "moral ground" than what they actually are. And they seem to LOVE targeting women... and relatives.
If they were a legitimate enterprise, they wouldn't hide in the dark like cockroaches.
It's my understanding that they CONTINUALLY break the law by overstepping the boundaries that are in plac for the protection of the rights of the consumer.
The fact that they contacted YOU and discussed the matter with you is a DIRECT violation of the law...
If you tell your neighbor ANYTHING... I recommend that you suggest they file action against these people for that and the multitude of other violations they will find perpetrated by the dumpster diving gutter snipes that consider themselves "gainfully employed" when in all actuality most of them are criminals themselves.
Just read thru some of these posts as I have... and ask yourself... "do these crooks sound legit"?

Mr. 18K...
You're 100% correct... I sat thru 45 minutes of listening to some "holier-than-thou" gutter snipe preaching to me from a self appointed position of moral superiority... while I could hear his barely literate trailer trash female cohort (probably a "relation")  rambling & trash talking in the background.

VEEERRRYYY professional... (my eye).

I tried to be civil & polite, but was unable to get a word in edgewise... guy LOVED to hear himself ramble & bloviate... so people shouldn't believe these a**wipes when they say they want to help "work things out"... their happy to be getting paid (finally) in addition to feeling "special".

They've broken a multitude of the FDCPA provisions, just as you indicated, and that appears to be standard operating procedure for these... dumpster diving pond scum.
I printed the provisions and ran a highlighter dry marking the articles they've voiolated thus far.
Have also filed a formal complaint with the FTC- Federal Trade Commission

For those who may be so inclined... copy & paste the sites below.
Web address is:  
https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Also: web address for outline of your rights...  http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

Takes a few minutes, but well worth it if you feel the need to help sideline these... pukes.
It's ONE thing to owe money & be on hard times... many are!
But for these opportunistic, ambulance chasing crackpots to exploit people thru intimidation is pushing the limit.
I'd rather have them go BACK on welfare, and support them thru my tax dollars, than have them make money by intimidation & illegal tactics perpetrated on those .

If these closet cases want to feel like real "crime fighters"... they should grow a pair, get off the couch & turn off the "reality shows" that fuel their repressed feelings of inferiority.

I feel sorry for the people that buy into the crap and abuse of these idiots & crooks who can browbeat or threaten the genuine innocents.
Got to admit... some people DESERVE dealing with the likes of these... turds... but most don't.

Rule # 1: They are unscrupulous and can be trusted FAR LESS than the people they target.
I look at it this way... if & when the economy improves... these deadbeats will go back to selling crack or robbing convenience stores... and probably end up on the receiving end of what they do now.
Irony, eh?

you need to read the laws 32.33