National Credit Adjusters/ImpactCashUSA
Date: Thu, 08/12/2010 - 08:21
This letter is to inform you that National Credit Adjusters, LLC (NCA) has purchased the above referenced account; we are not collecting for impactcashusa. NCA owns the account you created with impactcashusa and has a financial investment in it. Your debt is a part of your credit history; NCA would like to find a positive resolution to this account and its personnel will work with you to resolve this debt. If you are unable to mail in the balance in full, please call our office toll free at 1-866-927-9508.
As of the date of this letter, you owe $580.00; because of interest, late charges and other charges that may vary from day to day, the amount due on the day you pay may be greater than the amount on this letter. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive your payment. For further information, contact NCA at the above address or call 1-866-927-9508.
Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will assume this debt is valid. If you notify this office in writing within thirty days after receiving this notice that the debt or any portion of it is disputed, this office will obtain and mail you a copy of the verification of the debt or a copy of the judgment against you. If requested by you in writing within thirty days of receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.
Call us for payment options.
Once the account is paid, NCA will, at your request, send a receipt upon request and we will also inform the credit reporting agencies that the account has been paid.
All future payments and correspondence should be addressed to our office. This communication is from a debt collector attempting to collect a debt, and all information obtained will be used for that purpose.
National Credit Adjusters
1-866-927-9508 Toll Free
So if I'm reading this correctly, does this mean they might possibly be reporting this on my credit report? If so I'm going to be fuming. This would have been dealt with long ago if impactcash just would give me an address to mail the payment to.
Also, I tried looking them up on Florida's "Division of Corporat
Also, I tried looking them up on Florida's "Division of Corporations" website. (sunbiz.org) It appears they're on there and next to their company name it says "Active". So I guess that means they're licensed to collect in Florida, but does it mean they're allowed to collect on illegal debts?
Another quick question. I just got off the phone with a paralega
Another quick question. I just got off the phone with a paralegal and since NCA now owns the Impact Cash debt and is not collecting for them...how can I stop them other than the DV letter? I no longer have the email where IC buckled and said they'd accept $300. Do I send NCA a letter saying it was an illegal loan to begin with or do I wait and see if they respond to my DV letter first? (The paralegal says they've successfully sued NCA before and told me what to watch out for and record should they try and get funny.)
So for the last couple of weeks I have been getting a lovely rec
So for the last couple of weeks I have been getting a lovely recorded message from National Credit Adjusters. It is a "British" voice stating that I have an outstanding loan and that a warrent for my arrest is going to be sent out if I do not call them. I have answered the phone a couple of times and they either hang up or I get the recording. I have not recieved anything in the mail, probably because they do not have my address, I moved. I have not had a PDL in over three years and I spent a lot of time clearing them up. I am not sure if I still have all of the information from that or not, may have thrown it away. Are these people legit? What can I do to get them to stop calling me?
Ignore them. File a police report. There's really nothing you
Ignore them. File a police report. There's really nothing you can do to make them go away. They're likely in another country so you can't sue. If you don't give them someone to argue with, they'll get bored and move on to their next target.
They just called me doing the samething i have been going throug
They just called me doing the samething i have been going through this with them for 2months now and they lady said her name was janet hall with a british voice. the number she called me from said this number is no longer n service so then i called the number thats on the letter and they was passing me through different people. i told the man stop calling me when i get some money i will give you money until then leave me and my job alone. they had somebody calling me saying i owe them $3,000 and i said u shitting me then when i call her she plays it off like she dont know whats going on. i am waiting now to see what they go do now please somebody tell me what can i do about these people
file a police report and your AG, then hang up, its nothing but
file a police report and your AG, then hang up, its nothing but threats as they cant do anything to you. They will threaten until someone caves in and gives them money. IGNORE THEM and their calls
They have been calling me too stating they have an account on a
They have been calling me too stating they have an account on a payday loan saying they are going to report this on my credit. I explained to them that the loan was illegal in my state & I have paid the total loan amount back. They are not caving. They are calling my job too.... Any advice?
Keep an eye on your credit report, if you see something, dispute
Keep an eye on your credit report, if you see something, dispute it. As far as them calling you, the more you talk to them the more they will call, ignore them, hang up, better yet, change your phone number.
Thanks HOF I will do that, they are saying this is a valid debt,
Thanks HOF I will do that, they are saying this is a valid debt, etc.. I asked for a validation of debt but haven't rec'd anything yet!
What will I need to say when disputing this from my credit report?
They also say they can serve papers & take you to court over this?
They just love to scare the crap out of people by making threats
They just love to scare the crap out of people by making threats they don't intend to follow through on. Educate yourself on the FDCPA and you will have all the tools you need to fight this, they will back off once they realize you know your rights.