Pay day loan debt scam

I am scared to death....I keep on getting threatening calls they are going to come to my work....The number they call me from 888-343-7205....My nerves are shot....

Thats exactly what the scammer wants.  He is trying to scare you into paying a bill you don't owe.  Ignore him.  

Or play with him.  Swear at him.  Learn a few swear words in a foreign language and swear at him some more.  Give the phone to a toddler and let the kid entertain him.  Hold the phone near the speakers on a tv or radio, then turn the sound way up.  Hold the phone over the toilet and flush.  Tell him you charge $100/hour and ask where to send the bill.  Ask for his home phone number so you can call and torment him.  Talk to him like he's your long lost lover.  There are lots of ways to torment him from the comfort of your chair.    

Yes, I am feeling a little evil tonight.

Next time the scammer calls, tell them to ask their parents why they created them in the first place. Plus tell them to stop reproducing more rotten pests, pests who haven't done a damn thing for society.

Castration is a must if we want to stop such genetic freaks from polluting and taking advantage of what nature has given them.

Read everyone's experiences with these scammers. I had the same calls and threats today.. middle eastern accent by the name of john anderson fron NJ, said they were taking legal action for an online payday loan that I received. I did look into online payday loans two weeks ago but didn't like the companies terms so I turned it down. Since that day two weeks ago I've been getting calls for loan companies all ovet the US and the call day and night, email, and text messages. The john anderson number 201-215-0450  bayonne, NJ. I will never inquire about payday loans online again. Go local and in person!

I got a call from a Bill McPherson from NC. He said that he was contacting me about an outstanding payday loan from May 2010 with a company called Sagamore.  The number is 336-790-0190.  I asked him to send me the paperwork about the debt.  (To my recollection, I have never got a loan with a place called Sagamore). They said they did not have that information and I could look Sagmore up in the yellow pages. When I told him I never had a loan with  them He indicated that someone could have gotten a payday loan under my name a contact the police.  He also said to fax the police report to a 678 number.  Does this sound fradulant?

Yes. It is up to them to establish the validity of the debt. I would, however, check my own credit info for irregularities if I were in this situation though.

ok, I see this contstantly and it's just TERRIBLE. Obviously this is a phishing scam (since so many are reporting the same activity) I can tell you all that I have been dealing with this issue since late 2009. It started with a letter from a company called "LRA" or 'Lighthouse Recovery Assoc' they were based in California. At first I thought it might be a valid debt since it only had a name of 'BMG/CMG Corp' listed as the original creditor. I called and told them I needed verification in WRITING before I would agree to pay them anything. They sent me a bogus copy of a contract from an online payday loan company - I have never had a payday loan, nor have I ever applied for one. The 'contract' had all of my personal information on it - including my name, address, phone number, email address, employer info, and SSN (again - I have NEVER entered into any agreement of this kind and have NO idea where this came from or how they obtained my information) At the bottom of the 'contract' it showed funds being deposited into a bank acct - that was not mine. I wrote a letter of appeal explaining that this was not my debt and that no funds were ever deposited into MY acct. I even went so far as to have my bank print out my bank activity from that time and also the bank wrote a letter on my behalf explaining that this money was never received by me. I called LRA and was told the appeal was rec'd, and to allow 30 days to process the appeal and that this would be resolved and taken from my records. I thought it was handled .... then about 3 mos later they sent me another letter demanding payment. I of course called and explained the situation and the appeal - and miraculously they couldn't find it. So I sent another one - I kept everything from the original. This time I faxed it, and sent a copy certified mail signature due upon receipt. I dealt with LRA several more times before they finally went away over the next 6-8 months. Soon enough however ... I started getting phone calls from various other 'debt collectors' on this 'loan' all saying the same thing. 'We have a file in our office, its regarding a legal matter, and we are going to serve you either at home or at your place of employment blah blah blah' EACH AND EVERY TIME I request a verification of debt letter .. and every time they are unable to provide one - or they say it was already sent several times (no it wasn't) These companies are in gross violation of the FDCPA (Fair Debt Collection Practices) - they have called my home and my work leaving messages that I 'have been notified' ... even going so far as to threaten that I am going to jail, or that (I'm not kidding) they are going to beat and rape me in front of my children and murder my parents!! THIS IS ILLEGAL ... and if it was any way, shape or form a legitimate debt these things would not be happening ... you know why? Because each and every time a violation of the FDCPA occurs it is a fine of 1000.00 - payable to the debtor (yes that would be you, the person owing gets paid a thousand bucks by the debt collector for the violation) Legitimate agencies KNOW this - and they do their best to follow the law because a debt collector is only making roughly 40% off the monies collected - if they violate the law they are operating quite possible in the black and making NO money. Another thing about these companies - they never seem to go away, and good luck tracking them down. The calls are set up through a Voip (voice over IP) basically it could be some guy calling you from his bedroom in Bulgaria but the phone connection bounces around the internet and feeds through to a different call zone - say California or New York for example. They set up on something like a dry loop and can not be traced or tracked down. At least I havn't found a way to do it anyway - and believe me I have tried. I ended up tracking down the original 'creditor' BMG/CMG Group ... this is a legitimate company that offers payday loans, but they said that I do not owe them ANY MONEY. I requeted that in writing late in 2010 and did receive a letter stating that I have not ever, and do not owe anything to them and that I am released from any obligations towards the 'debt'. ok ... so you think that stopped it? NO! I have rec'd calls at home - and my employer 3x in 2011 - the latest one being today 11/02/11 at 8:19 am. My call today was exactly the same as all the others I have rec'd and exactly the same that everyone else on this page is describing. It's more of a hassle and it's infuriating ... but they are mostly harmless I think. This 'debt' has never been reported to my credit .. and no, noone has ever showed up to serve me papers - and I have been threatened with THAT line at least 4 times. Now here's the kicker .... everyone keeps saying call the police, call the FTC, call the authorities .... I'm going to tell you not to waste your time. I have called every single one of the agencies below and filed FORMAL, sometimes written complaints with every one to: the FBI, CIA, FTC, BBB in CA, BBB IL, BBB CO, BBB NY, I've also contacted the State Collection Bureaus in CA,CO, and NY, as well as the Attny General in CA,CO,IL,IN,and NY ... I have called my local police - I even went so far as to contact an investigative reporter for FOX news based in California. He  did a story/investigation into these scams about a year or 18 mos ago and in turn one of these companies was shut down, faced prosecution and they now in jail. You know what every one of those agencies told me? 'we are well aware of this situation, and it is unfortunate - but there is 'nothing we can do' ... most of these calls are not coming from America - they are looped to look like it - but are originating outside the country. There are a few American 'copy-cat' companies that are working the same scam ... but using the same techniques w/ the Voip/dryloop they are not able to be tracked. So that's my story - don't be surprised if you start seeing it everywhere you look b/c I am going to get the word out there about this. These are opportunistic Vultures taking what they can from innocent, unsuspecting people - many of whom probably did have a payday loan at some time and think one just 'slipped' by ... God only knows how much money they have sucked out of unsuspecting people over the past few years. If we get the word out to people, and they stop getting our money, MAYBE they will stop seeing us as a quick payday and move on to some other unsuspecting country. Its very simple ... if someone calls you about a debt THEY ARE REQUIRED BY FEDERAL LAW TO PROVIDE YOU IN WRITING PROOF THAT YOU OWE IT. If nothing can be provided, or if they flat out refuse - it is a scam. There is nothing they can do, they can't haul you to prision, damage your credit, or get you fired - they can't garnish your wages - they can't even Sue you! they can't come to your house, file harassement charges on you or any of the other million threats they try (today I told them i had the police waiting in my driveway to arrest them when the 'process server' showed up ... they actually tried to tell me that they were going to file harassment papers on ME ... then they blocked my # because I called them repeatedly for about 30 minutes asking where the authorities were at) ... I know it sounds scary, but it's all smoke. I retained an attorney on this 2 years ago and every time they call I double check and document it with my lawyer - it's a scam, and people need to be made aware of it. Tell everyone you know and tell them to tell everyone they know ... I've done it and I will not stop. Good Luck to all. ** today is 03/22/12 - just wanted to add that I wrote the above months ago .... but recently the calls have started up again. Only now they are calling my friends and family - and leaving voice mails telling my loved ones that they are coming to 'arrest me' because I owe money. It's been a huge inconvenience and embarrasing!! Even tho it's not true, I still have to explain what is going on to people and try to do some damage control. I have filed additional complaints w/ the atty general in IN and IL, and I have also filed yet another report with the police ... and the same response 'nothing we can do' ....

sick and tired,

I really would like to help you, and I think YOU might be able to help expose these jerks.  Can you please post a message to me on this thread: <https://800notes.com/forum/ta-50651c32c12c346/teri-abc> ?

If you do, I will respond to you and we can discuss this further.  This may be your chance to get a little payback.

(I am on and off the site, so if my response is not immediate, be patient.)

I have the same problem now. I reported the & made a complain to the FDC & FBI. They went to far, they had me so stress out & so afraid that I paid one of the callers. because in my case were two different #. one didn't wanted me to talk to the other & viceversa. The harrassment at my job got to the point that I was going to quit. But I came to this site and read this & finally took action. Even talk to my bosses  today & explained my situation. Thank that they understood. The # are 804-212-04322 name; KEVIN BARNET, that what he said. The other # is 646-381-1978 name: NORMAN & KATHLYN. I think there is AMERICAN people involve in this scam too. Because this lady didn't have any accent. She threaten me, scream at me when I asked her for the loan inf. she told me she  didn't have to give it to me.  BE REALLY CAREFUL, I'VE LEARN FROM THIS. I know this is not over yet. but let see.

I have been getting calls every couple of months from various numbers, most recently 804-212-0433.  The story is the same each time.  Man with heavy accent saying that I have papers filed against me for a loan or loans.  Each time, they get rude and aggressive.  NEVER confirm anything!!! NEVER give them any money!!! This is a huge scam.  My favorite name they have given me so far is Monty Harris!  Sure Monty, I believe you!  Give me a break!!

I wish someone would investigate, but I filed a FTC complaint, called the local authorities and the FBI and do not feel anything as been done.  for the past 2 days I have gotten more then 30 calls from  loan companies claiming I have been approved for loans or  they are collection agency calling to collect on a loan.   Hope you have success!

i received the same phone call. along with the same message.  when i questioned them they hung up.

I continue to get calls from this number and this guy wants me to verify my personal information over the phone I told him NO and he can send me what ever via mail he said NO .... First of all I didn't do any pay day loan in 2010 or 2011 so HE HAS THE GAME MESSED UP!!!

I have been getting the same kind of calls. I get calls from a man with a heavy indian accent from an area code in Pennsylvannia. He leaves a message that I should not ignore the call and must call back. And if I dont he is not responsible for what happens. He also states that he wants my attorney's name and number to serve papers to me stating I owe $1600 on some kind of pay day loan. I called back the first time because the voice mail scared the hell out of me. it took several calls because i kept getting a message that his mailbox was full. Finally I got to speak to a female who also had the same heavy accent. She was extremely nasty to me when I asked what this was in reference to. I told her I didnt appreciate threatening voicemails she basically hung up on me. Now I got another one last week.
Does anyone know where I can go to report this?