818-338-5053

I already paid 500 dollars. I have a pay day loan with webloan. I think they claim them. But the webloan guy called me the same day to remind me the due date. Now i realise the fraud? how can i get the money back? i need advice? i call back the guy and he never reach on line?

sooo sorry this happend to you !!! my guess is to call the bank and let them know what happend, they will put the money back into your account. when i called my bank that's what whey told me . if it's a fraud scam they will return any money i was out. call your bank a.s.a.p !!!!!!!!! let us know how it go's please !!!

I also have been receiving calls starting this week from an 818-338-5053 number. What is funny is on caller id it shows 810-673-6353 which is disconnected (how convenient). Anytime a call is returned to the 818# it's always busy and just like everyone else- the guy has a heavy middle eastern accent and says the same thing as all the other messages posted here. It's seriously a scam! DONT give them any info

I just got calls from this number got me very upset I have checked with my bank and I never got loans from them.  They threatened to take me to court to show up at my workplace unless I paid.

Thank you all who have talked with attornys in this regard. I don't have the funds for an attorny, or anything to give the scammers for that matter. They're barking up the wrong tree here. I've been receiving the calls too. Started somewhere around the 2nd i think. I will be contacting the FTC and BBB. I do have one question though. Is everybody from California or everywhere? Oh and I too have applied at numerous payday loan places. But only use one. Have a loan with them currently. Not yet past due. and the calls started before i even took out the loan. Thank you again.

I have just been recieving calls from these people. It's the same foreign guy but it's a different name everytime.From "MR Mcguire,John Dash,and Christopher Alexander". They have ALL my personal info so I put a freeze on my credit and am awaiting a credit report. They say it's for a 300$ loan and to settle out of court I have to pay 550$.Otherwise police are going to be at my home to take me to the courthouse on monday. ( I didn't know you got a warning to when you were going to be arrested) I AM SOOO MAD!They claimed to have emailed me. They got my work number and threatened to send something to my boss. i contacted a lawyer and he told me that if this was legit they would send something certified NOT by email. I have 5 voicemails on my phone from these people. They call from different numbers but I always have to call back 818-338-5053. The last voicemail said at the end "GOD BE WITH YOU"...That sounds like a threat on my life if you ask me. They also said to bring to refrences to court (my dad and sister they even knew their names)  HOW DO THESE PEOPLE GET ALL THIS INFO AND GET AWAY WITH IT????? Also my lawyer said if you tell them to stop calling by law they HAVE to otherwise it's harassment.

I am from Ohio and they are calling me.

This same person is now using a different number,818-338-5066.They called me today and as you now, they still call you 3-4 times on your cell and even threaten to talk to the people at your job. They sound either arabic or nigerian.

I acted a pure fool and I guess he realized he did not have easy prey. lolol

same thing happened to me today...report it to your local police dept and then call your local office of the Secret Service...they are supposed handle this stuff...

I received a call from 914-961-8518 from a guy named Curtis Jackson...after screaming at him and threating to beat the crap out him, he refered me the 818 number that others have indicated...guy had my home address, home phone and last four of my social...calling from National Advance Payday Loan.  He called me back and I told him I was on my cell with the police...promptly hung up...filed police report...Police indicated I should call Secret Service - as they are responsible for this stuff..actually spoke to a woman at the 818 number..she indicated they were in Campbell, CA...probably BS...if anybody has a way to get to these guys...let me know..

my husband went on vacation for a week and came back to notes in his locker and people telling him he was being sued...very embarrassing for my husband...i tried to call the number back to speak with 'kimberly brooks' (funny that name comes from mall cop) and i kept getting a busy signal...i spoke with new york state troopers was told to ignore the call and call the bank in the morning and let them know about this issue. funny thing they knew what my husband did at his job and everything. now me, im very stubborn...ignore the calls not! i called them back and got a voicemail...saying ext. such and such was unavailable...i left my name and number...they threatened my husband through his boss stating he was going to be arrested...i looked up what everyone was saying the name was national payday loans...and found this website...http://www.nationalpayday.com ive never applied with them and it seems to me it was a scam figuring no payday loan i know of will offer a free first loan...i tried to call the 877-778-8006 got an automated number and no way to speak with anyone at all...except a voicemail...they want you to do everything via email which does not satisfy me...i also tried the 1-866-513-0374 and got a fax machine...I'm too stubborn to give up and as much as they bugged my husband's job i'm going to bug them 10 times worse...and come tomorrow i will call my newspaper and my tv news...i'm going to stand up and expose these people...i'm calling everyone i can find until something is done...will let everyone know what happens...

funny i tried calling that 914 number 5 and a half hours after you posted this...and i got a its been disconnected message funny!

i got in touch with the number today....funny cause i called like 10 times and its the same guy that curses me out...and a girl that laughs in the back...im still calling like i said im calling all day long i have nothing better to do...

Since its a SCAM and not a real collection agency - you report it to the police and FBI.   -
the accents are the RED FLAG that is a scam. and are probably phony
demanding money and REFUSING TO VALIDATE THE DEBT is the next red flag its a scam.  

Cmon folks - its been all over the internet for over a year now..  

Fake Debt Collectors – Terrorizing Consumers

http://abcnews.go.com/Business/story?id=5621205&page=1

QUIT CALLING THEM - ITS A SCAM THIS IS NOT A LEGITIMATE COLLECTIONS ATTEMPT
The accents are probably phony too.

FILE REPORTS WITH THE POLICE AND FBI - when they call again
you tell them you KNOW ITS A SCAM AND HAVE FILED THESE FRAUD REPORTS

they will stop calling - theY only call when they think they stand a chance of getting money from you

YOU ALL NEED TO READ THIS INFORMATION ON FAIR DEBT COLLECTIONS PRACTICES ACT

Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

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.
Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans’ Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members’ Pay
Military Annuities and Survivors’ Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen’s and Harbor Workers’ Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

They called on my home and work line and said "that if I disregarded the call, he felt sorry for what was about to unfold on me. I wish you good luck for your kids."  I don't even have kids!!!!  When I sarted asking questions, he wouldn't speak to me, only wanted to speak with my attorney. When they first answered they said it was a law firm, then they said a collection agency....

I just called the FCC that is the Federal Communication Commission...they have informed me that no one is allowed to come to your job and threaten you...you know that already, but you wonder if the laws have changed...they have not....folks this is a full blown scam....do not talk to them.  The FCC is going to look into to it...we gave them both the numbers, fax numbers, and the suppsed names of the individuals who claim to be persons employed by this bogus company...hopefully, this will be resolved by this afternoon...hang in there....hang up on them!

I received calls starting on Monday, June 22nd.  They were basically the same as everyone else describes above.  I knew I never had a payday loan and they said it was from a National Payday.  They said the loan was "paperless" and deposited into my bank account in Oct 2007.  I verified the year with them b/c I didn't have the bank account they were referring to in Oct 2007, it was opened in 2008.  They said it was a 500.00 loan and if I didnt make arrangements to pay that day then I would be served with papers the following day to appear in court Monday, June 29th.  Basically dragged there by Mr. Allen Saunders who was nearly impossible to understand.  They called from 818-338-5053 and that is also the number they asked me to call them back on.  They had my work number (as they called and hung up on me several times!), my cell number, address, last four digits of my bank account, last four of my social and a name of a close friend!  It was quite scary!   I reported them to the FBI online, called the FTC and put in a complaint, Called all three credit companies and put a Fraud Alert on my accounts, called my bank and going to also file a police report.  Oh, and I sent an email to the Virginia Attorny General.  They continued to harrass me all day Monday but since then, I have not heard back.  Guess my sarcasim got to them.   It definately makes you qestion yourself and then wonder if somehow someone took out a Payday Loan in your name and it is legit?  Crazy!    We need to get these people!!!!!  Calling my local news station as well!

I just got the same thing; when I said I thought they were mistaken and I required proof of this so called payday loan (taken almost one year ago and I have never received any notification until 10 months later), the caller became angry and verbally abusive.  
Glad I found this site so I didn't continue to buy into this fraud.

I just received a call to my cell phone and didn't answer.  The Arab then called my work phone 15 times in a row because I yelled at him the first time.  He became abusive and said they would send an investigator to my work tomorrow.  If I catch this sand cricket...the south will rise again.