The issue at hand is extremely time sensitive.
Then one day I got a call from a former boss. They had gone too far. I was done just ignoring them. Here is how I took action. The next time a strange number called, I answered the phone with a pen and paper in hand. The voice on the other end told me that he worked for a law firm in California. I had an unpaid payday loan and would be arrested at my workplace tomorrow. I could lose my job for being arrested.
How to handle payday loan harassment
And I would ruin my financial future. Then he hung up. But I had been writing everything down. I had the phone number, the name of the law firm, and the address. My next step was to do an Internet search of the phone number. I found out that several people were getting the same threats. Then I researched the law firm. It does exist, but it is based in another state and focuses on personal injury law. This proved that whatever was happening was a scam.
The takeaway: Instead, verify the phone number and company are legitimate. Several websites collect personal stories about harassing phone calls. Check them out and see if the number is on the list:. The next time I got a call, I asked the voice on the other end to stop contacting me. When he ignored me, I asked to speak to a supervisor. When you ask not to be contacted, get the name of the person you are speaking to and write down the time and date of the call.
This information might come in handy if you have to seek outside help to stop the calls. To head off any potential problems, tell your supervisor about the problem up front. In my case, after I asked the voice on the other end to stop contacting me, the calls stopped for three days. I mistakenly thought this meant the nightmare was over. What I should have done was immediately write a letter to the debt collectors asking them not to contact me further. Under the Fair Debt Collection Practices Act you have the right not to be called by debt collectors, regardless of whether you owe the debt.
If you write a cease and desist letter to a debt collector, he is legally obligated to stop contacting you. Below is a sample letter you can use:. Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe.
Civil and criminal claims will be pursued. After three days, the calls started again with a vengeance. The number would call six to 10 times times a day, despite everything I had tried.
Fed up, I contacted my wireless provider. I told them that I was being harassed, and gave them a list of every number the faux law firm had used. My wireless provider blocked the numbers from calling me immediately and the calls stopped. Both wireless and land-line providers have the ability to block incoming calls from specific phone numbers. Contact your provider and ask to have the number blocked. I chose not to pursue this option, but you have the right to sue the company harassing you and you may even get free legal assistance.
In Abused by a Debt Collector? Get a Free Lawyer we spoke with attorney Craig Kimmel. The lawyer will hear your story free and then decide where to go from there. After I blocked the numbers, the calls stopped and I left it at that, but I later found out I could have reported the scam to the authorities and listed the information online. Earlier I mentioned three websites that I used to research the phone number. These websites collect user-submitted information about debt collectors and scammers. Submit your own story to the sites and it may help someone else from being victimized down the line.
This is terrible! Dear Lucy, I agree, it is horrible. I am truly shocked by this development in the payday loan realm. The 1st time that a client told me about these types of calls, I was livid. I tried calling the company numerous times to yell, scream and threaten them with lawsuits. I soon learned what you already know: There is nothing to be done about this — at least nothing you can do to go after these illegal characters.
I have my theories, but nothing I can prove so I will just keep them to myself. You took out a payday loan at some point in the past few years. You then defaulted on the scheduled payment. It then sold or transferred the account to a third-party debt collector. The third-party debt collector is usually an offshore company or a company that moves around and has no set location in the U.
The collector will call you and do skip traces to locate family and friends. The debt collector says 1 of the following to you. The best way for you to stop people from harassing you is to pay off your balance. Now, you mentioned you already paid them. In this case, you need to directly get in touch with your lender and inform them that you already paid your dues. They should be able to fix the problem. Each state and city has its own laws regarding payday loans. Instead, stand firm when dealing with these aggressive collectors. I hope this helps. I was excepted for a loan this loan company put x amount of dollars in my account then wanted me to get some cards with that money to get my loan I refused to do it this amount is still in my account what do i do with it?
It would be best to contact your bank and confirm if the check deposited from them was a legitimate check. If the loan was received via direct deposit, you can contact the lender and find out how to pay it back directly without purchasing cards. Always be wary of any loan pitched over the phone and if they ask for anything outside of their terms. Should you later need a legit payday loan, you may check out the lenders found on our page on Short-Term Loans.
Apply for a short-term loan with an easy online application and dedicated customer service. Installment loans with competitive rates from a top-rated direct lender. Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround. Optional, only if you want us to follow up with you. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
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Please appreciate that there may be other options available to you than the products, providers or services covered by our service. You can find reputable payday loan lenders. But watch out for scams that prey on those who need quick cash. What do you want to find out first? Jump to… Are all payday loans scams?
payday loan company and telephone harassment
How do payday loan scams work? How to protect yourself Where are payday loans prohibited? Rates last updated February 20th, Personalize your loan options. Show me my options. State of Residence. Unfortunately, none of the short term loan providers currently offer loans in your state.
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