What are my legal rights against this online company?
An online cash advance company called my friend and said I was committing fraud. Of course I got freaked out and wondered what in the world was going on. My husband called this number and this guy said that I had 3 pay day cash advance loans in 2008 and they are taking me to court. We explained to the Gentleman that we had not a clue what he was talking about. He then said that we were lying like everyone else does. He said that this so called money was deposited into our checking account in december 12th 2008. Well we went back and researched all of our records, and we have clear evidence that there was never a deposit for 300 from a cash advance loan place. We also tried explaining to him that looking at our records there is nothing, and that we can fax them the proof. He then said we will see you guys in court and have fun losing. Do I have any rights against this guy who is threatening me, and accusing me of something that I didn’t do. I have all the evidence, I’m not sure what else we need to do on our end. PLEASE HELP!!!!
I just want to thank everyone for their advice. I am going to see if this blows over. The wierd prt was the guy kept on saying he didn’t have a supervisor. But he had a boss…maybe i’m just getting worked up over nothing.
If you didn’t receive any money and you can prove it you have nothing to worry about. Why even ask? Either its an admin error on his company’s part or its a scam. Does his company even exist? Tell him you’ll be happy to go to court with your evidence. You could even threaten to take him to court for harassing you. If it’s a scam it won’t get that far once he knows you’re not paying. If he represents a genuine company with an erroneous account do send that fax e-mail or post a photocopy. This will blow over
Do you have all of the information on the company? Their representative committed slander.
It really looks like a scam operation trying to get money out of you.
Do not listen to these people, they are scammers. They received your information off the internet somehow. If at any point you filled out a questionnaire about a pay day loan, or have had a pay day loan in the past, they are trying to collect from you. They may be trying to collect a "debt" that really doesn’t exist. They’re hoping you will fall for it and just pay them money. Do not do that! A debtor cannot claim you have committed fraud, unless you seriously have. You have no committed fraud even if you defaulted on a payday loan. These people will threaten you to no end about serving you, sending investigators to your house, telling you you’ll be behind bars, etc. Do not entertain their phone calls again, if they have employment information or anything like that, let your employer know there is a scam trying to get information about you. Contact your state attorney general’s office with as much information as you have. If you only have the number, that is fine. Contact them, and the FTC.
I received a phone call just today and the guy said something was filed against me and all he can do is wish me good luck. He claimed to be in the department of law and investigations and had a very thick indian accent.
If they know you are not going to respond, they will eventually leave you alone.
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