Pay Day Loan

I would definitely seek the advice of an attorney and get one involved especially if this cost your husband his job.
Quote:

They are being executed from all collection activitys and will no longer be in business soon as per the Attorney General of Florida's office

I just received a phone call from Ellis and Crosby today. I got tangled up in the payday loan web and it cost me all of our finances and almost my marriage. My fault, yes, but I am trying to salvage everything as we speak.

The loan amount that I borrowed has now doubled according to them. She started spouting out a charge of conspiracy to commit fraud, blah blah, which scared the heck out of me. Ms. Williams said that I had to pay $560. I asked could this be paid in installments. She said, "Don't think so". I asked her about a time limit to garnish my check and at first, wouldn't say anything. I said "If you are an attorney, then you have a time frame when to send this up for garnishment. She then said it was ready now.

I know I owe the company, JVC Processing. I tried to call them and they won't talk to me, said Eliis had all my info.

What is up with a suspension of Ellis? I want to pay on this, but am afraid that I will keep adding up costs.

They haven't threatened me... yet, but she was completely rude.

I tried contacting the debt consolidation care company, and they said the didn't handle payday loans. What next???? I have already filed bankruptcy two years ago, so this isn't an option.

CMPOLK- I would be careful as you are not commiting fraud! Just a scare tatics.
This company that you are posting on their website DOES do payday loans. They are ONE of the FEW who does. Just fill out your name and number on the left hand of this page at the top and press submit and you will be on your way to consolidation!

Katie, this company is not taking payday loan consolidation for the time being. It is looking for the companies that can offer the lowest rates of interest in the areas where the consumers are located. You can read the posting of Mike (Marketing Dept) to get a clear idea.

I received a call at work just now...went to voice mail...didn't say exactly who they were from but it sounds like this ellis and crosby place...the guy said to call him back immediatly or have my attorny call him back...then he ended the call with good luck...what do i need to do? I want to pay my loan, i know i owe it..but i'd rather pay the orignal place...I'm going to call them back tonight..any ideas?

Rachel

Yea Rachel, it sounds like you got the message from Ellis Crosby. That is exactly the message they left me at work. At this point, the best thing to do about EC is DO NOT make any payment arrangements with them before you can validate the debt and if they have the right to collect it. PROTECT YOURSELF! They are being sued by the Florida Attorney General for abusive and illegal collection tactics. These tactics include, but are not limited to, extorting more money from consumers that is legally owed and not applying any money they have received to the original creditors account. What is worse is they are accusing consumers of committing internet and check fraud and intimidating them with arrest to get immediate payment. All of this is ILLEGAL.

I know that you want to make good on your debt, you can call the original creditor and try to work payment out with them. Hopefully they will work with you, but if they dont or say the account has already been sent to collections and that you must work with the CA, then under the Federal Debt Collection Practices Act, you are allowed to challenge the validity of a debt that EC states you owe to them. Use this letter and to make EC verify that the debt is actually yours and owed by you. Keep a copy for your files and send the letter registered mail.

Your Name
123 Your Street Address
Your City, ST 01234

ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on September 30, 2002). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for ???verification??? or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:


What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Your Signature
Your Name

they just called again..this time didn't leave a message....

rachelm

Follow what Tracy has stated in the above post and it will work at your end positively.

i will...and when i call them back tonight to try to find out the original loan place..i'll be sure to take notes so when i call the florda attorney office, i can report everything they say that's in violation of the law..

Rachel,

Let them leave all the messages they want, calm down because they CAN NOT and ARE NOT going to do anything to you. If you decide to call them back or they do get you on the phone, dont panic, but you are probably going to be told that you have commited check and internet fraud and that you are going to be arrested if you dont pay them what they ask right then and there. All that is a lie and is part of the reason they are being sued in Florida. If in fact this does happen to you, hang up on them. If they call back, hang up again, and so forth and so forth.

Then type up the letter and get it in the mail ASAP. It has an cease and desist order that should stop them from calling you until such time you have received what you asked for and have contacted them back with the results of your investigation.

I can tell you though, more than likely they will not send you anything to validate the debt and they will probably still call you even though you ordered them to stop. If this happens, then you have no choice but to call a private attorney. Hopefully Florida will shut them down for good, but until then, we have to protect ourselves and others!!

I was harrassed today at work by them. I had a pay day loan and I live in SC. I changed jobs and they quit deducting from my bank acct. I had the info on the loan in my old desk and I didn't have a way to contact them. I know that is no excuse for not paying it, but, the *ss that called me today said they sent me a settlement package, which I did not receive. He said that if I did not pay $230 today by 5pm I would have a bad check warrant sent for my arrest. If that happened, I would surely lose my job. I asked to pay it on Friday since I only get paid once a month and I did not have the money today. He told me absolutely not and if I did not pay him today I better have an attorney today. I don't think that he can do this to me, I will pay it, but not today. Can he continue to harrass me at work?? How did the case against them turn out??

Harrassed, my previous posting to Rachelm explains it as best as I can. Ellis Crosby CAN NOT have you arrested and threatening to do so is ILLEGAL.

The case against Ellis is still in the courts. We are all waiting to here the outcome and believe me, all I want is for them to be shut down for good. I cant beleive they are still up to their illegal collection tactics. What they did to you is pretty much the same thing they did to me.

Read all through these forums about Ellis Crosby, you will find some horror stories.

The judge in Florida is not sympathetic. Hopefully he will rule in our favor and we will get a PAYMENT plan that is fair. I hope he knows we want to pay we are not DEAD BEATS but we are willing to pay!
IM OUT OF HERE THE HURRICANE IS HITTING US SOON

Oh No!! katie, take care of yourself from the Hurricane. I thought that the warning must have been over by now.

I was sucked into ellis crosby scam to I had a loan for 150 got a call from ellis crosby telling me I owe them 42o dollars. Is there a way I can get paid back I have the reciept but I dont have a lawyer.

Ben- i was not able to even make it out of town but thank god its over! And it did not even come to us!
Has anyone heard anything about the case?

jshizzly22,

Write a letter addressed to the state attorney general office along with the copies of your receipt. Also, you can send a copy of it to the FTC, BBB and request for immediate action.

Though, your chances of recovering the money are very slim but I am sure that definite actions will be taken.