- Report: #262178
Complaint Review: Anna Bambino - Austin Texas
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Anna Bambino
9111 Jollyville Rd Austin, Texas, U.S.A.
Phone:
512-340-0389
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Anna Bambino This company tried to get me to send $100 a week until a payday loan balance of $500 was paid off. They told me if I didn't send the money via Money Gram, I would have a warrant issued for my arrest. Ripoff Austin Texas
I have an account with a payday loan company called Cashinminutes. I owe them $300. Legal Processing Assocaites is the collection agency for them.
LPA stated if I did not send them $500 by Money Gram by midnight that day, they would issue a warrant for my arrest in the court system in my area.
First of all, I do not owe Cashinminutes $500. I owe them $300.
I was scared. I never have been arrested in my life and never would committ any crime. They accused me of committing fraud. My bank account was closed because I switched banks. I even told Cashinminutes that. They said it was fine. At least I am being honest and making an effort to pay them.
Then 3 days later I get a call from LPA with all these threats. I told them I would send them $100 a week. I came into a financial bind and told them I needed to send less a week. They stated that was not good enough that I needed to get the cash that day. They told me to go barrow it from family.
I told them no, I would make what I could. I hung up on them. I have been sending them money but not the whole amount owed.
I have not gotten any paperwork from the court system or the police. I asked them for paperwork and they refused. So obviously these people are MISREPRESENTING themselves as Investigators and Attorneys.
This is not how a collection agency is suppose to handle accounts. They are fake and they continue to harass me. I don't even pick up my phone anymore. I have not gotten any paperwork from them at all. No letters, no nothing!
I send them money once a month. They continue to call me. I do not pick up my phone. Now this report will show them I am not palying games.
Misrepresentation
Waterbury, Connecticut
U.S.A.
LPA stated if I did not send them $500 by Money Gram by midnight that day, they would issue a warrant for my arrest in the court system in my area.
First of all, I do not owe Cashinminutes $500. I owe them $300.
I was scared. I never have been arrested in my life and never would committ any crime. They accused me of committing fraud. My bank account was closed because I switched banks. I even told Cashinminutes that. They said it was fine. At least I am being honest and making an effort to pay them.
Then 3 days later I get a call from LPA with all these threats. I told them I would send them $100 a week. I came into a financial bind and told them I needed to send less a week. They stated that was not good enough that I needed to get the cash that day. They told me to go barrow it from family.
I told them no, I would make what I could. I hung up on them. I have been sending them money but not the whole amount owed.
I have not gotten any paperwork from the court system or the police. I asked them for paperwork and they refused. So obviously these people are MISREPRESENTING themselves as Investigators and Attorneys.
This is not how a collection agency is suppose to handle accounts. They are fake and they continue to harass me. I don't even pick up my phone anymore. I have not gotten any paperwork from them at all. No letters, no nothing!
I send them money once a month. They continue to call me. I do not pick up my phone. Now this report will show them I am not palying games.
Misrepresentation
Waterbury, Connecticut
U.S.A.
2 Updates & Rebuttals
Nikki
Coconut Creek,Florida,
U.S.A.
Be careful.
#2Consumer Suggestion
Tue, August 21, 2007
Did you write a check for this payday loan? If you did, be careful because they could take action against you for writing a bad check. It doesn't matter if you had to close your account after you wrote the check.
Lady Rae
Austin,Texas,
U.S.A.
Advice
#3Consumer Suggestion
Mon, August 20, 2007
First, in Texas (where I also live) it is illegal to threaten someone with arrest. Second, no one in this state can arrest you for a debt. Texas is a very consumer friendly state. They won't arrest you, they won't take your car, your house, or come into your house and take your furniture, clothing or anything belonging to you. If they call your work you have the right to tell them to never call again and they must cease. They can, of course, call your house but not at all hours of the night. Most debtors take the threats seriously and pay. They know that and bank on it. That is why collection agencies are so vicious, won't listen to anything and will only demand you pay them. Most people do because they are scared or get tired of the hassles. In fact, unless you gave this creditor something as collateral, i.e., your car title in exchange for the loan, they pretty much can't touch you. Oh they can file a collection lawsuit against you but if you do not own real estate, you are pretty much judgment proof and their own viable means to collect is your desire to keep your credit record clear and your desire to do right and pay your debts. Other than that, they are fish flopping around on the beach without a wave in sight. Rae
