Complaint Review: Elite Recovery Service

I was sent a Letter of Demand, via email, for a payday loan asking for immediate payment or acceptance of payment plan and if they did not hear from me in 4 hours would commence further debt collection procedures.  I have never heard from this company before.  They state in their email that they have contacted me numerous times.  I have received nothing in writing, via regular mail.  Below is a copy of the email.

Letter Of Demand For _______________ Inbox x         Elite Recovery Service <braufman.associates@outlook.com> 9:01 AM (48 minutes ago)       to me            

ELITE 
RECOVERY SERVICE

Attention, __________________

Despite our previous reminder(s), we still have not received any payment or answer from you. Therefore, we regret to inform you that we do not obtain the payment of $750.00 in full today (deadline), we will have no other alternatives but to undertake court actions against you in order to retrieve the debt amount. Please find the full debt amount and options of settlement below: 

Account Balance:  $750.00
Docket File : CRF14/5288/BS-06-2018
Creditor : Ca$h Advance Inc.
Payment Plan : $75.00 x 10 Payments
Payment Mode : EFTPS Secure Payment Service

Should your payment not be received in full within the next 04 hours, immediate court actions will take place.

If we do not hear from you within 04 hours, we will have no alternative than to commence with further debt collection procedures. This will include instructing out Federal Trade Commission, Credit Bureaus, and Employer etc. Court proceedings will be issued within 07 days from the date of this letter if the account has not been settled.

You will be prosecuted for following Allegations;

·         Bank Fraud

·         Violation of Federal Law of Debt and Banking

·         Intentional Theft by Deception

There will be no further warnings made for demands of payment. Court proceedings can include the additional expense of legal costs and interest being added to the balance of this account.

We would advice treating this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest setting the total amount of debt and additional costs as soon as possible.

We still trust court action will not be necessary and took forward to receiving payment by return. Send us email at settlement_elite@outlook.com

Your faithfully,
Edna Parker (Recovery Department)
Elite Recovery Service