Complaint Review: Universal Debt Clearing Inc

Today the 17th of September I opened my email to find a starteling notice of prosecution if I did not settle a so called on line cash advance with a certain company who was not disclosed. At first, I began to worry and react and then I took a breath and started to focus on the letter. There are numerous grammatical errors, spelling issues and to say the least andy letter from being transmitted that supposedly is court issued looks a bit differen then this one. It states that I woe an online payday advance originally taken out in the sum of $ 300.00. The allegations is that I have not paid back a penny toward the said loan so the amount owed now is over $1100.00. My SS number is included along with my previous address however, the address is presented illfully and very in accurate. For a moment I wondered if I had forgotten to pay something since I have in fact taken out loans of this nature in some situations when things got tight. I responded like the email requested asking for a prompt call back in order to resolve the matter. No call as of yet. The character issuing the letter is known as Christopher Wilson titled Financial Crime and Investigation Dept. The supposed charges against me are as follows:

Vilation of banking regulation

Collertal theft fraud

Debt by deception

Electronic fund transfer fraud

Now although I believe these crimes probably take place in some nature, I assure you it is not me. I have forgotten to pay a bill here and there like some citizens, I have even not been able to at times and charged painful fees due to the tardiness but I assure you, I have not commited a crime and should not be treated as such. 

The horrible and most terrifying part of all this is currently, I have been harrassed and hoaxed into this type of fradulant tactic before. I new I had fallen behind due to job loss three times in an11 month span so I honestly believed myself in the wrong. I scrambled paniced and paid it. Good news that experience taught me how to handle this one. Take a moment, review, think before you act and know your rights before sending anything to anyone you do not remember or know.