The returned items I am referring to were the automatic debits from my checking account taken out by the original PDL company of $90. When the account was closed those attempts to take money would have been returned to the PDL company. I did try and contact them to make payment arrangements as well as notify them of my account closing. I was unable to get any further than an automated messaging machine. Do I need to worry that they will harrass my employer? I don't get the impression they know how.
Thanks again for your help. My concern is that the original PDL was done via internet and I have never been able to speak with them directly, nor have I seen any documents from them, or even know where they are located. The collection company contacting is almost the same scenerio with the exception that I do actually speak with a person but they provide me know detailed information other than re-iterating all of my personal info. How do I know if I pay them that they won't turn around and start harrassing me again in a couple of months? How do I get them to send me paper work via US postal service? The only communication I have had with them is over the phone (no emails, letters, etc.).
I am not sure if this is related to the last question but I received the email below today and am concerned with it's validity. Can you review and advise?
From: ACS Inc [mailto:XXXXX@XXXXXX.XXX] Sent: Thursday, January 10, 2013 9:49 AMTo: ACS IncSubject: ACCOUNT NUMBER - 3098-245; SUBJECT- LAWSUIT
CASE FILE : 50132
DUE AMOUNT :: $ 846.47
LOAN COMPANY- ACS Incorp.
You are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter.It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and left no choice for us but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:
(1) VIOLATION OF FEDERAL BANKING REGULATION(2) COLLATERAL CHECK FRAUD(3) THEFT BY DECEPTION(4) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFER
Now, this means few things for you. If you are under any state probation or payroll we need to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.
If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. And once you found guilty into the court house than you have to bear the entire cost for this law suit $4271.15 which is excluding loan amount, attorney's fees, and the interest charges. You have the right to hire an attorney. If you don't have one or if you can't afford then one will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at :-
+1 727 474 1146 between 9.30 to 6.30 (EST).
IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON
Thank you for your quick reply. The company is not one that I recognize as receiving a payday loan from. I did respond to the email and asked for more specifics regarding the creditor so I could validate if it is truly my debt or not. The amount and name listed ACS Incorp is not anything I readily recognize. I googled on internet and found several fraud claims against name and number listed but want to pay if it is something I owe.
I can file a complaint with the Nebraska Attorney General but I can't send a certified letter to the company as I can't get them to give me a physical address to send it to.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).