PayDay Loan Problem

[gorper999]

Wisconsin-Two years ago I did a PD Loan online.I was working at the time and made 3 payments.Then I had a stroke and got RH.Arthritis.I am now on SS Disability.This is a bill I completely forgot about.I never received any kind of a notice from the Payday Loan Company at all.A month ago I got a call from a guy and he said-I am not a collector,I an a processor,Do you know a criminal law attorney.I see you have no outstanding accounts in D----County.I would like to give you a chance to pay this bill.He hooked me up to accounting and like a dummy,I gave my bank checking account number.Got my bank statement and called the number on the statement-National Credit Works in Cheektowage NY.I did a reverse phone# lookup and it came up as a Florida #.Also cannot find this company online.I dont mind paying a bill I owe,But how do I find out if this is a Legitimate Company or not?

 

[jsmith416]

Of course the person that called was a collector.... I mean comon....

Did you contact the company that took money from you to ask for something in writing? The is no law that says they have to have a web presence so that doesn't necessarily mean they aren't legit.

Have you gotten your free credit report from www.annualcreditreport.com?

It sounds like you know you defaulted on the loan and know you have to pay it.

 

[gorper999]

I do owe-But I never received anything in the mail from anyone,not the OC and not this so called collector.He called from Texas and wants me to send money to NY?

 

[JETX]

I do owe-But I never received anything in the mail from anyone,not the OC and not this so called collector.He called from Texas and wants me to send money to NY?

Your post is confusing.

In your first post, you said "I gave my bank checking account number.Got my bank statement and called the number on the statement". Though you provided NO further information, it IMPLIES that something was paid from your account.

In your second post, you now say that "he wants me to send money to NY".

So, which is it... did you make a payment from checking and you have a legal question about it... or do they want you to pay and you have a question about IT???
Which???

 

[gorper999]

I gave my checking account number to him and money was taken directly from my checking account(ACH?)Then I decided it would be best if I sent any payments it should be by certified mail with receipt,so I have a record of payments.Address he gave me to send it was a New York location.He calls from a Texas number.Whats up with that.I never received anything in the mail from this company or from the Original Creditor.National Credit Works.This debt was never verified in any way.Just the phone call.

 

[JETX]

I gave my checking account number to him and money was taken directly from my checking account(ACH?)Then I decided it would be best if I sent any payments it should be by certified mail with receipt,so I have a record of payments.Address he gave me to send it was a New York location.He calls from a Texas number.Whats up with that.I never received anything in the mail from this company or from the Original Creditor.National Credit Works.This debt was never verified in any way.Just the phone call.

Okay, so with that, your original question was: "But how do I find out if this is a Legitimate Company or not?"

National Credit Works:
They are a collection agency located at:
Address: 1530 Military Rd
City: Kenmore
State: NY
Zip: 14217-1224

So, yes, they are a 'legitimate' company... now whether they are ETHICAL or not, from another forum:

"They are called Nationl Credit Works, Inc. Debt collectors of purchased accounts. The owner is Greg G. Emminger, 113 Bathurst Drive, Tonawanda, NY 14150, Erie County, NY. Be careful about sending them any money, he does not have any docs to back up his claims, nor is he licensed or bonded anywhere."

And
"File complaints with
Federal Trade Commission https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites NAAG | Welcome

If you or they are located in NY – use this SPECIAL Link Debt Help Homepage
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices. HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at Consumer Justice - at Last! If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list. You can also post here Egregious Agencies - Consumer Scams

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html

Statute of Limitations by State – always double check YOUR OWN STATE Government Website
Bud Hibbs Helps America Hold Debt Collectors to the Law!

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
Bud Hibbs Helps America Hold Debt Collectors to the Law!
"

 

[jsmith416]

Forget about where he is calling from and where he wants you to send money it's not relevant unless he's asking for Western Union to Nigeria.

You keep saying you haven't received anything in the mail but you never said you asked for anything either. If you choose to pay the debt without asking for anything in writing that is your choice but why would you do this? Are you absolutely certain this is the debt from your pay day loan? "collecting on an old debt" is a common scam.

 

[Ladylulu]

Paydyay loans

There is a scam going on with individuals calling with a lot of personal information and threatening criminal charges for defaulting on a payday loan. They are not legit so I would make sure the company was before you pay them any money. They tell you they are lawyers or they are with the federal government, and will be charging you criminally if you don't settle with them immediately.

 

[gorper999]

All I know is I paid $600 2 years ago and still owed $600.He said over the phone that I had a bad check for CheckNGo and he would settle for $1100.He called again a few weeks later when I was not home.GF answered and he told her that I should call him about a bounced check.I called and asked for something in writing and all I got was an Email from NCW-PO Box 215-Cheektowage NY([email protected])It just stated a balance due.I thought about contacting the OC to see if this was turned over for collection(There is nothing on my credit report)I dealt with a CA years ago and at that time,I got a letter from the OC first,before it was turned in for collections?I am not against paying on this,I just would like to know that it is going for the original Debt.

 

[gorper999]

Bump ?Bump?

 

[TigerD]

I just would like to know that it is going for the original Debt.

Of course not. You have two years of payday loan interest to pay. You're lucky the balance isn't $20k.

DC

 

[gorper999]

With an answer like that-you should not be on this forum!

 

[Indiana Filer]

With an answer like that-you should not be on this forum!

Actually, we encourage correct answers around here.