Pay day loan debt scam

You have to ignore them, and that is by never answering any call where you do not recognize the number on the Caller ID. Let the call go to an answering machine or voice mail. They use computer-driven dialers so their operators only have to wait until someone answers to start their lying blather. If you never answer, because you either ignore the call, or have a phone that blocks the call, they will eventually drop you from their frequent call list.

But as there are many scammers working this type of scam, eventually one of the others will call your number.

The biggest problem is that technology enables this criminal behavior, and stopping these calls requires cooperation between the phone companies as they carry the signals and data packets of the phone calls.

Send a letter to every legislator that represents your district in your state and in the US Congress demanding they require the phone companies cooperate in shutting down these scammers.

Same story here. After I refused to pay anything they told me to have fun in court. Really scary at first because they do threaten legal action, wage garnishment and they will notify my employer. Thank god I researched this site and has made me feel way better.

I received a letter advising me, "Per our ["Nancy Stovall" of "Stovall & Assoc, 2600 S Loop W #802, Houston TX 77054, (713) 909-3131"] records we recently acquired your defaulted pay day loan." The letter is dated May 22, 2015, and it threatens "fines" and "incarceration" if I do not complete the "Settlement Offer" of "$840.00" on an "Accrued Balance" of "$2520.00" This letter "RE: Default Notice & Intent to Accelerate" is fraudulent and sent in an attempt to defraud and extort money by deceptive and fraudulent means. This letter was mailed from North Houston, TX. These acts are criminal in nature by the perps, illegal and punishable by law, to include FDCPA and FCRA violations, in addition to identity theft.
Anyone have any other info on these crooks?

I took a look at the google maps and street view for this address, it appears to have medical offices in it.  Nothing turns up on google under the name except bankruptcy lawyers, Surveyors etc.  I didn't get any hots off her name included  even. Its possible the extortion scammers may have gotten a bit smarter..   But is pretty dumb to include threats that are illegal.  I would contact the Texas AG and yours - perhaps attaching a copy of this letter as well. Send a C&D via certified or return receipt USPS mail, even if it gets returned as undeliverable, it counts. ;)

I see you posted under the number as well. I'll copy this over there with other information.

i like USPS mail. Priority mail is even better because there is proof of delivery yet you don't have to be home to receive it. Slipping notes under the door is only useful when you live close by. Just my 2 cents. smh

Thank you, thank you, thank you. I posted under the phone number, also, although some other posters have accused me that my posts are fraudulent and they've been really rude to me for no reason.

I am a victim, too.

Look, I want these criminals caught, and will stop at nothing to see this ends.

Thank you for being considerate and thoughtful. I enjoy your posts.

Hey, do u like my posts too?
The other day I posted a pecan pie recipe :-)
I bet you'd like that! ::muah:::

; )
Yes. And when these criminals get caught, we can have some pecan pie together to celebrate.

Your most welcome!

Great idea!!!!!
Do you have a place to live yet? You can move in with us.
Free for the first 3 months. Then split the costs. Oh and I cook every weekend :-)

If you look carefully at the map of Houston, in map view, and go south as the bird flies from the pointer for that address, you will see the Social Security Administration building in the corner of on "West Bellfort" and "Lakes at 610 Dr" -

How ironic, the scammers who steal Social Security Numbers are not far from the official SS government building.

I have just got a call from a agency saying that i owe money to a company called sagamore. They are claiming to sue me, garnish my checks, and even trying to take my home if i dont pay $790. The loan they say i got was from 2011, i dont know what to do. Someone please tell me what i can do. Im a single mother working a part time job. I cant afford to go to jail.

You can not be arrested for owing a debt, they can not prosecute for a check written for payday loan  either. Debt is civil, not criminals. Extortion Scammers want to scare people and hope you pay up for a debt you do not owe. Common tactic..   Always demand debt validation sent via USPS mail. Neither phone Fax,email or text are legal proof of a debt owed.

For Extortion Scam Operations:  File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..  Emails can be attached to complaints filed with IC3, the cyber crimes division of the FBI.

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
https://consumercomplaints.fcc.gov/hc/en-us
http://www.fraud.org/
http://www.stopfraud.gov/report.html
Tip off FBI about this extortion attempt by filing form at: stips.fbi.gov/
http://www.consumer.ftc.gov/blog/haunted-phantom-debt

Also see here:
https://800notes.com/arts/I2neMkbUAAo/where-to-report-phone-crime
https://www.westernunion.com/us/en/fraudaware ... and-answer.html

Also read up on the laws and your rights:

https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

And see:
http://www.dfi.wa.gov/consumers/alerts/nationwide-debt-association.htm
http://www.fbi.gov/scams-safety
http://www.ic3.gov/media/2014/140627.aspx
https://800notes.com/forum/ta-944ec1426a8bcbb ... service-attacks
http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
http://www.net-security.org/article.php?id=1828
https://800notes.com/forum/ta-86217073a9c8dad ... 077595690349410
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
https://800notes.com/forum/ta-b95e185ca7ca356 ... debt-collectors
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
http://www.fdcpa.me/fake-process-server-injunction/
https://800notes.com/forum/ta-9413b3202bc8b6c ... net%27s-tactics
**************
http://6abc.com/archive/7806938/
http://dfi.wa.gov/consumers/alerts/cashnet-payday.htm
http://www.cashnetusa.com/consumer-notices
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Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

— 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.

This is a common ploy by criminals attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, be sued, and a variety of other variations on this,  all for an alleged or nonexistent debt.  One of the tricks they use is to call your work place repeatedly in an attempt to shame you into paying.  They also use the “process server” who calls and claims he is going to serve you, but then says you could avoid it by calling another number.

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site:  http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

I get phone calls from a Frank Benadetti who is supposed to be a private detective hired to locate me to respond re: a debt or I will be served with a warrant. These are always voice mails. They know previous addresses and names but have gotten some of the information wrong. This has been going on for about a month. I finally called the number back within 10 seconds of receiving the voice mail...no answer. The next time I called back after receiving the call, after several rings a lady answered and wanted me to verify my social security number. I told her I do not divulge that information over the phone and she hung up. The number was 855-366-3123. Is anyone familiar with this number?