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False acquisition by collection agent

Date: Wed, 06/29/2005 - 10:33

Submitted by anonymous
on Wed, 06/29/2005 - 10:33

Posts: 202330 Credits: [Donate]

Total Replies: 4

False acquisition by collection agent


I went thru FSM Processing..I got into a situation, and I couldnt pay them back..The loan i got was 200.00 and I couldnt afford to pay them back, due to being out of work..Today I get a call from an Investigator Valentine, and she tells me i have until 4pm today to get them 410.00 I dont have it..And she went into all these charges that I can get put against me for fraud and all these other things..I know I DID NOT commit fraud..I also know that when I talked to the people from FMS, they told me that the account would go to a collections agency..Now that i looked them up online, and read the things here I know they are just a collection agency..They use big words, and they sound very scarey...I just hope that they dont send anyone here to my job to get me..


Hi jen

Don't worry. Law is at your end. Please read this page to be aware of your rights.

http://www.debtconsolidationcare.com/fdcpa.html

Please send a written notice to them asking to validate the debt. debt validation is your legal right to know the origin of your debt.

http://www.debtconsolidationcare.com/validation.html

They are trying to harass you by using foul language which is a violation of the law. Please inform them that you are recording all telephonic conversation and you will sue them on charges of harassment as per the fdcpa act.

I hope they will stop after receiving your letter. Remember to send your letter through certified mail with return receipt requested. You can also lodge a complaint at the FTC and the state attorney general office.

Regards
Roxette


lrhall41

Submitted by roxette on Wed, 06/29/2005 - 16:57

( Posts: 4009 | Credits: )


If it is they are so full of it, I should be a consumer advocate bc ive heard so many complaints about these people. WHATS SO FUNNY is that they have been suspended by the ACA but still calling to threaten people. I wonder if its a scam and I also wonder if they are trying to collect money bc they might be shutting down soon?
If you hear anything let me know!
thanks
and they CANNOT pick you up for that! regaurdless of what they tell you!


lrhall41

Submitted by anonymous on Thu, 07/07/2005 - 11:45

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
If it is they are so full of it, I should be a consumer advocate bc ive heard so many complaints about these people. WHATS SO FUNNY is that they have been suspended by the ACA but still calling to threaten people. I wonder if its a scam and I also wonder if they are trying to collect money bc they might be shutting down soon?
If you hear anything let me know!
thanks
and they CANNOT pick you up for that! regaurdless of what they tell you!

what if a collector jsut keeps harassing you and even want to know you had a hardship you and your wife had surgery and yu wife almost died wityha heart attack and you were out of work all summer. then he tells you to take away the money from other creditors your r tying to pay off and pay him off with that money. then he keeps upping the proposals from the managment company your dealing with until its just not feasable for you to deal with it any more ,do you go bank rupt at this point,because your credit is shot anyway.


lrhall41

Submitted by anonymous on Wed, 09/23/2009 - 23:40

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
If it is they are so full of it, I should be a consumer advocate bc ive heard so many complaints about these people. WHATS SO FUNNY is that they have been suspended by the ACA but still calling to threaten people. I wonder if its a scam and I also wonder if they are trying to collect money bc they might be shutting down soon?
If you hear anything let me know!
thanks
and they CANNOT pick you up for that! regaurdless of what they tell you!


ACA is an association, not a governing body. They have no legal power


lrhall41

Submitted by SOAPLADY on Thu, 09/24/2009 - 04:31

( Posts: 17315 | Credits: )