A man called me saying that I did not pay a payday loan and legal action was going to be taken against me…?

A man called me from an unknown number. I did not answer, because I don’t answer unknown or blocked numbers ever. He called twice then left a message. He said that he was looking for [my name] concerning a sensitive matter that he could not disclose on my voicemail. He then left his number which was (646)525-4064 and said that if I did not call back, he would assume that I was trying to escape the law and this could put me in a “big mess”! It sounded suspicious but I did call back anyway.

When I got on the phone, he told me that I had been named the prime suspect in some case involving social security numbers. Oh, he was foreign so I couldn’t even understand everything he was saying so I would have to ask him to repeat it. Then he said something about Big Payday loan filed a suit against me because I had not paid a loan back that I took from them. Last year, I did take out quite a few payday loans, but my credit union helped me pay all ELEVEN of them off and I haven’t heard from anyone since then. He said they had emailed me but I had not responded back. I am trying to run far far away from payday loans because they almost destroyed me, but I never took out any loans with this company. When I do receive emails, I usually unsubscribe so they don’t mail me anymore or send them to spam. I searched my emails to make sure and saw their name a few times where they sent an email for me to take out a loan, but they were just generic emails to attempt to get me to take out a loan. Nothing else.

Anyways, the man said that he worked with legal consulting company to help rectify this situation before legal action is taking. He said the name of the company, but I can’t remember it for the life of me. I also did a reverse phone number lookup and it was a cell phone number out of New York. But anyway, I ended up cutting him off and telling him I don’t owe any more loans, thank you, and hung up. He then called me back twice. I didn’t answer anymore and he left me two messages. The first message said something to the effect that the cops were coming unless I attempted to pay my debt. The second one just said something about call him back so we can discuss my options.

My question is…is this some kind of scam going around? And can I report this character? Also, if I truly still owed a payday loan, wouldn’t the company do more than try to send me emails? Wouldn’t they try to call me and tell me? I’m not scared or anything. This is just crazy to me so I just wanted to ask questions concerning this issue so maybe someone can help me. I am not calling him back. I’m thinking the payday loan companies are mad, because I paid off my debts and not requesting any more money neither am I responding to them anymore…I don’t really know what’s going on….

Anybody with any insight, please let me know….
Thank you for your answers…No, I did not give out any information guys! I hung up on him and that’s when he called back and I did not answer!

is this true? canyou go to jail for a payday loan?

Ok, I applied for a few payday loans awhile back, but never actually got one. I never signed any agreement or whatever. Today I get 12 messages on my answeing maching from some guy in california (i live in vermont). He told me that I now have a lawsuit against me because I took out a payday loan, and never paid it, but i never had a payday loan!! Then he said I am going to be supenad (sp?) into court, a court in california, and if i dont show up i will be arrested. I dont get it? How can i have charges for a loan I never even had, or signed for? How can they make me go to court in california, when i live in vermont. Finally, since I am pretty sure this is some sort of scam or something, who should I call to report these jerks? I live in Vermont thanks
I did ask for proof, and the guy said “you’ll get your copies in court”, and i know i didnt have a payday loan, i did apply for a few, but never was apporved, or went through with it..but they keep calling like every 15 mins, is there anyone i can call to report them? to make this stop?

if youre being trick like scam like payday loans how can u stop it or protect youself ?

where can I find a real guaranteed unsecured personal loan for people with bad credit other than citifinancial

I’ve tried alot of these speedy loans and bad credit loans and citibank and am coming up with nothing. I don’t want to have to pay for anymore loanfinders and I’ve even ran into a scam or two. Somebody please give me some advice. And no payday loans either! Please!

A “law office” contacted me about a payday loan (that I forgot about). They said they are with Mark Goldberg?

They said the outstanding loan was sold to a broker because it was an unpaid debt. It is for $300.00. I am willing to pay it but, I am hesitant because they are asking me to deposit the money into the law offices account via Bank of america. The gentleman sent me a letter of agreement via email. I asked him if he could send the letter to me via mail which he said he would. He could not tell me which loan place the loan originated from (I only know one payday loan place it is) which i contacted and they said the account was sold to a broker. Should I pay the debt or does it sound like scam? I have already had this happen once.

Help with my payday loan!?

Last year I took out a payday loan for $1,000. Every month I go into the store and pay $140 fee to take out a “new loan” at the same place to cover the $1,000. Technically I would already have it paid off by now and then some. I don’ t know if this is considered a “roll over” loan, but I was doing some research and I know they are illegal in Ohio. Can someone please give me some advice?

What type of jobs are available for people who have a high school diploma?

I plan on going back to school in Janurary but I have had terrible luck looking for a job and I am a single mother of a 2 year old and I was wondering what types of jobs are available to me!! I have 3 years customer service and 3 months of Store Management experiance at a payday loan store but no one seems to be hiring!!!

Can I borrow loads of money and move abroad?

If I were to borrow £50,000, 20k from an unsecured loan, 15k from credit cards and the rest from payday loan companies, store cards and bank overdrafts and left the country what would happen? Would I get away with it providing I did not come back to the UK for at least 6 years. As far as I know there is no law against not paying back your debts. Thanks for your answers in advance.

I need to get out of payday loans!!! Help !!!!!?

I have a few store front payday loans, not the online kind. Is there any way to get out of them legally?? Also does anyone know of a way for a person with bad credit to get a loan that does not have a super high interest rate?? Thanks in advance!!!!

Working at a payday loan business bad for future employment?

My friend has fallen on hard times and needs a job. He has great qualification and has been offered a GM position at a payday loan company. He doesn’t like it too much ethically but he can stand it for a year or so.

Business is booming at these places as you can imagine and he will be very well trained. Plus, his store will be located in a higher income area so many of the customers will be using western union, small business owners needing to cash a check fast, and things like that.

Will working as a branch manager look bad to future employers? I know that many think it’s predatory lending but he doesn’t set the prices, he just works there. Will this screw him in the end?

Thank You,

TJ

If I consolidate my payday loans will it affect my credit?

I’m in over my head in payday loans and Yes! I do know it’s a bad thing, problem is I need help and am looking to consolidate my bills and roll them into it. I know the bills on my credit will affect my credit, but will my payday loans show up? Do you recommend any companies?

Does anyone know what the laws on payday loans in Utah are? What are the consumers rights?

I recently went back to school and got some payday loans to help buy books and things now I am in a pickle and am wondering if I have any rights as the consumer…HELP

How can a find a loan, not payday loans with umm fair credit with a co-signer?

I have been searching for a loan. Either they want you to pay a fee to find a loan which I think is a scam. Then there are payday loans which I an up to my chitty chin chin in. I just want a smal loan to consolidate my bills right now. I have a co-signer. my credit is ok, not great but ok

How to get help with Payday Loans Las Vegas?

I have payday loans, but I don’t have the money to pay them back due to recession. Is there any payment plans for customers?
Will they put me in jail or take me to court? Or will this just go on my credit report?

Is there a consolidation loan to pay off payday loans?

I made a huge mistake in using payday loans to help pay bills during a rough time. Now I can’t get from under them and it’s hard to pay on my regular bills. My credit is 495 therefore it has been hard to get a loan.
Is there help for me? Once i can get these loans paid I can make the monthly pay’ts.

need help about a payday loan?

i got a payday loan couple months ago from a cash store i havent really gotten things in the mail to tell them to pay me back but havent taken it out of my account yat, will i have to go to court if i dont pay it back? its $200 something

can i get an loan online (check into cash) and then pay it back at local store?

i want to take out 3 loan from 3 different payday loan companies, online would be quicker and i hear its cheaper, can i take out 3 payday loans online and then pay them at the local payday companies?

Can I be arrested for defaulting on some payday loans? What kind of trouble can I be in?

I currently have 3 outstanding payday loans(in store services). I got into a jam and I have an outstanding balance on all 3. I partially paid back one but they keep debiting my account and I keep getting penalized from my bank for all types of fees. I also know the interest is racking up on all 3 loans. All the loans are less than $1000 and one is below $500. I am doing my best to make the money to pay them back along with all the fees but right now I am just having some tough times. What kind of trouble am I in here? Can I be arrested for this? I know this was one of the dumbest things I have ever done and I will never deal with any payday loan companies again once I take care of this. No sarcastic answers please we all go through hard times.

Poor Credit – Where can I turn for a semi-reasonable interest rate (< 100% APR) on an unsecured loan?

I have about $2,500 in debt. about $1,400 of that is to payday loan stores which are charging me through the nose in interest. I’m paying around $500 a month in interest. I could probably pay everything off and be debt free in 6-8 months if I could just get a reasonable interest rate. The problem is that my credit sucks and I don’t own anything that could be used as collateral. Are there any banks or other lenders who might give me a loan at a rate less than 100% apr?

Do you have any other suggestions to get out this mess?

Payday Loan would not accept check?

My bank changed hands recently and everybody was sent new credit/debit cards. We were told to continue using our old checks as usual. I had a payday loan out w/Advance America and was told by the store that they could not accept my checks anymore due to the bank changing hands. The store manager asked me to bring back counter checks or some other check that had the new banks name on it. The branch Mgr clld the store and was given the same run around w/no explaniations or name of the person Advance spoke w/at the bank. Has anyone else gone through this w/Advance America?
Keep in mind we were advised to continue using out old checks, the bank is not issueing new checks! So taking the money out and paying it off is not answering my questions. As asked please let me know if anyone else has had this problem. Thanks!
OMGosh, I”m not looking to take out a new loan, I’m asking if anyone experienced this same situtation where the bank changed hands and a vendor would not accept your check that per your bank was advised to cont using? I’m looking for a new loan!! Has anyone had this problem w/thier bank or a vendor?
OMGosh, I”m not looking to take out a new loan, I’m asking if anyone experienced this same situtation where the bank changed hands and a vendor would not accept your check that per your bank was advised to cont using? I’m NOT looking for a new loan!! Has anyone had this problem w/thier bank or a vendor?

I am really desperate. I need $500 by the 31st but my next payday is on the 10th of August.?

Do you have any insights about borrowing from PayDay Loan lenders like Money Mart? There’s really nobody (family, friends) who could lend me the amount so I gues Money Mart is my last resort..

Can I be held responsible for a payday loan I never signed for?

My information was apparently given out when I was on a web site which said it would match me with a lender. A company called Ace Cash Services deposited 300 in our account without us ever asking them for a loan or signing anything. They now say I owe them 510! I told them I would be more than happy to give them the 300 but no more. What are my legal rights?

Where can I find a “hard money” lender for a personal unsecured loan, without being a payday loan. Need $4k.

Looking for info/ reliable source of high risk lenders..no payday please?

I am searching for all of those alleged high risk lenders that are willing to lend money for those with credit scores in the low 500′s. I am not interested in payday advances. My wife took a $10,000 a year net pay cut this year and we are struggling to keep it together. We had a little girl last year and my wife was out for 7 months. We are still paying off medical bills.
We have consolidated all of our debt and credit cards and cut them up. I am so through with CC. We are too comfortable using them. We restructured our finances and eliminated the fluff. Now we are down to the house, car, food, electric. I need help to pay off 4 payday loan companies I had to turn to during my worst months this year just to keep the lights on. I will thank those in advance who will say…live simply and things will get better…I work 60+ hours a day and between the two of us we bring home more than 7.5 K monthly…the payday loans will not let us get back on track. My family is not able to help much.

Are there really people out there that will loan money?

I’m not talking banks, or payday loan places, I am talking legit private lenders that will loan you money? You hear about private lenders that will lend money, but I can’t seem to find anything legit or worthwhile. A 100-500 dollar loan is not worthwhile and it’s not legit if you have to PAY to get your loan.
Has anyone had any success with finding what it is I am looking for?
This is serious, so please no bashing.