Complaint Review: Legal Affidavits Office: US National Bank - Internet

I  received a call on August 19, 2009 from a very rude woman with an Indian accent.  The first question she asked was for the name of my lawyer because I was going to need one.  She told me she was from Legal Affidavits in San Francisco, CA. 

She said that I had a deliquent payday loan and the company had filed a lawsuit on me for 3 reasons.  the only one I caught was a charge of fraud.  Because I couldnt understand 1/2 of what she was saying because her accent was so thick.  she proceeded to tell me that I had 48 hours to pay 450 dollars before she turned in her report or the sheriff would pick me up at my house on Friday and take me to jail.  I told her to email me the proof that I owed this money because I had never even heard of her company, nor had I heard of a company sueing me without me receiving some type of notice.  She told me that she did not have permission to send it email.  So I told her to mail it.  And she got angry and said "Are you calling me a liar!'  I said yes.

I asked which payday loan company was it.  And she said, rather rudely, "you don't know the name of the payday company?  I find that hard to believe and ridiculous"  At this point, I became very suspicious. 

while on the phone with her, i googled that company where I found the fraud reports screaming at me from the page.  So I asked her where her company was located and she said in the state of Florida.  I told her that she had told me San Francisco earlier and at this point she got very rude.  She got very loud.  I told her to calm down and let me talk to her manager.  She said "I run this place and there is no manager.  If you want to talk to someone you will have to talk to me." And I mean this woman is now screaming at me.  So I hung up on her.

She called right back and asked if I hung up on her and I said Yes.  so she told me because of that, I could expect the sheriff at my doorstep in two days unles I paid 5400 dollars to clear my account.  I said "I thought you said 450 dollars."  She said the price went up since I didn't believe her and hung up on her.    So I told her to send the sheriff or whoever she had to send, but she was not getting one crying dime from me.

so needless to say. 

Lie #1  - telling me the company was based in San francisco and Florida

lie #2   said she couldn't email me the papers but when I said I hadn't heard from them until now, she said she had sent 4 emails but she didn't sent them under the company name, so they prob went to junk and I erased them

lie #3  i never had a loan with a payday loan company that I have not paid back

The one thing that bothered me is she had ALL my information even down to friends and relatives.  She didn't know however exactly how much the loan was for, the company the loan was through, and the address of the payday loan company

thanks to sites like this one, I did call her on her fraudulent behavior instead of paying a company 400 dollars that I didn't owe

And I am telling you this woman got rude.  By the end of the phone call, she was yelling at me so loud, my friend sitting beside me could hear evey word she was saying.  And if that is who the payday loan companies use to collect their debts  they need to change companies.