Jump to content

JDB aka Rumpelstiltskin called my Mother


rakell
 Share

Recommended Posts

I spoke with my mother yesterday after she opened a letter addressed to her (I retyped below). She was so upset and crying I had to go get the letter from her. After I read it I was astonished. I have accidentally written a bad check long ago but felt I always took care of them. If this was true then I wanted it taken care of ASAP.

I stupidly called one of the two 800 numbers at the top right hand of the page. I called and this horrid little man answered: CM Systems how may I help you. I informed him that I was calling regarding Rakell. I asked his name he changed the subject. He said let me put you on hold while I look that account up. He sounded like he sat the phone down and walked off. He came back and said CM Systems how may I help you? I told him I was calling about Rakell and he informed me he just need the info to get in touch with her and then asked do you know how I can get in touch with her and I told him you are talking to her right now. I went on to ask what right he had to tell my mother that I had a bad debt owed specifically a bad check and he told me he does not play on the phone and wanted to know if I was calling to make arrangements. I said no not at this time until I knew what the debt was for. He said you have exactly 60 second to let me know what your purpose of calling this office was if I did not intend to pay the debt. While I was trying to tell him I have intentions if it is very well mine but I can’t pay it if I don’t know the amount or what it was for-- he kept telling me you have 50 seconds (three seconds went by) I asked his name again ( I think I am dealing with Rumpelstiltskin) you have 40 seconds you have 30 seconds Mrs. Rakell if you do not have any intention of paying the debt I will be hanging up right now and seeing you in Blank Blank court. He hangs up.

I was astonished I was trying to find out how much and what for and was to the point of tears.

So, I stupidly called back to the second number on the page and to my surprise crazy man answered again. I asked to talk to a supervisor and he informed me again that he does not play and he is not Wal-Mart, Sears or wireless service and that he was collecting a debt. I asked his name and then he hung up on me again.

Umm, Something snapped in me and if I could of got a hold of the little bugger; I'd have beat him with the bill.

So, now I don’t think anything I do is stupid. I called the man back (same crazy answered)I stated my name that I was not refusing to pay a debt and that I could not very well pay a debt to him if he refused to tell me what it was for. He said he would have to put me on hold and get my file. (I think to myself, does he put his files up that quickly)? He comes back on the phone and states: CM Systems how may I help you. (Uugh). I state my name again for Rumpelstiltskin-bozo, said I wanted to know what I owed and for what. HE told me it was for such and such and that I needed to pay it ASAP. I said that was to a check-cashing place three years ago. He said I owe and need to pay or suffer through court, attorney fees and lost time at work. DO you want to pay the debt Mrs. Rakell? Otherwise, I will just hang up and forward all the appropriate paperwork to blank blank court systems. I told him I want to pay it but I would need him to send me a bill and proof that I owed him. He said you don’t want to pay this bill Mrs Rakel, I am hanging up in 10,9,8,7,6,5,4,3…Click(while he was counting down I told him he should refrain from contacting my mother in any way and I do not accept calls at work, He would need to send me correspondences in writing).

I called the original creditor and found out he sold the debt to Rumpelstiltskin-butt-hole for pennies on the dollar after I originally ask him to pull it back from Rumpelstiltskin-dillweed so I could pay him.

So, I have been talking to a JDB (Just another Dirty Bas@%#) all this time. I have never had this problem until now. This is not on my credit report and I never have received a bill from the idiot. He won’t give me the opportunity to set up arrangements he is not licensed in Tennessee and I am positive he is eating bologna sandwichies and drinking tang from the little fridge under his desk that’s in the corner of his bedroom at his mommies’ house.

I have lurked on this board for a about a month with 10 corrections and 5 deletes with a jump of about 40-50 points on all my scores. This is my first post and it is long but I have never dealt with JDB and am simply terrified. Where do I go from here? What rights do I have. I probaly have alot of the answers if I would calm down long enough to think but where do I start? Any advice is welcomed. I appreciate everyone in advance. Another thing that kinda makes me mad about JDB is that fact that he didn't even send my Mommy a self addressed stamp or envelope to return the thing to him. You know she is 68 and on a fixed income . The sorry tight wade-Rumpelstiltskin. LOL

CM Systems, LP 800-000-0000

PO BOX 830446 800-000-0000

Tuskegee, AL 36083

Dear Mother:

The intent of this communication is to ask for assistance in contacting Your Daughter whom has used you as a reference or this company has cross references you to be related to this person in some fashion. If you are aware of the whereabouts of this person and know how to contact them, please contact the person(s) in question or this office. Please be advised the name of this company is CM Systems, LP and basically what we do in this office is contact customers in reference to their bad check(s) and offer them an opportunity to resolve the issue without involving the BLANK BLANK couty system. Moreover, any information that will help this office bring this matter to a close would be greatly appreciated.

Thank you for your time and if any person, relatives or place of employment that this office could utilize in contacting the above person(s), please notify this office by phone or by sending the below information sheet completed.

Adhere; this is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

____Cut here and return the updated information if possible____________

Customer Name Rakell

Job/Work#

Address

Phone

Relitive

Phone

Relative

Phone

(the letter was not signed or dated)

Link to comment
Share on other sites

I don't know if JDB's are subject to the FDCPA but if they are keep that letter and here is the title and code to sue them under for a violation.

Calls any third party about your debt like friends, neighbors, relatives, etc. However they can contact your attorney, a consumer reporting agency, the creditor, the attorney of the creditor, or the attorney of the debt collector. Consumer protection afforded by the FDCPA FDCPA Section 805. (B) $1,000

Link to comment
Share on other sites

Why can't I get letters like that? I've never gotten that lucky.

I don't want this, at all. I have started the DV letter, read the Good Credit is Sexy but I am really just feeling like crawling a hole right now. I don't want to make a wrong move and the debt was originally from a Check cashing place with some God-awful interest rate while I was going through a bloody D-I-V-O-R-C-E. This Rumplestitskin bought the debt and is just now trying to collect? Confusing. I need to check my state on checks. I know Tennesse is not favaroable on Check Cashing services so I am still kindof unsure. I would have probly enjoyed this had it not been a check. I want to pay the debt but I don't want to pay rummpy. What would you cite in a DV aside from the Consumer protection afforded by the FDCPA FDCPA Section 805. (B) $1,000.

BTW it is for 250 dollars on a 150 dollar check if I remember correctly.

Thanks so much for the responses I have gotten so far. You guys are great.

Link to comment
Share on other sites

The communication violates:

§ 804. Acquisition of location information [15 USC 1692b]

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall --

(1) identify himself, state that he is confirming or correcting location information concerning the consumer, and,
only if expressly requested, identify his employer
;

(2)
not state that such consumer owes any debt
;

(3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;

(4) not communicate by post card;

(5)
not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
; and

(6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector.

Link to comment
Share on other sites

After you get a letter like that you don't pay a cent. Instead of "Oh, geez, how am I going to take care of this?" it's time to start thinking "how much are you going to pay me to go away and stop making your life hell?"

And for a debt as small as yours it was insane for the JDB to send that letter. Their violation will cost them many times the amount they are trying to collect.

Link to comment
Share on other sites

I don't want this, at all.

I know you don't want this, but what the other members here are saying is that they wish they had letters like this cause its against the law!! You now have the ability to use this letter against him and make him go away!

You wanna pay if its yours... well wouldn't it be nice to pay it with the money you get from him?!?!

Start at it the usual way with DV, although you already have him on a violation.

And welcome to CIC, Tennessean!

Link to comment
Share on other sites

Thanks, for the great welcome. I got a feeling Rummy wont respond to my DV which is good. I have come back to my sanity for the moment and thought about it and am gearing up. I have my DV ready. I am reviewing for errors and going to let it alone for a few hours and come back to it. The thing that makes me so nervous is that, this is in fact a check for eons ago. Definatly my fault, no doubt. I am getting over it though because I don't have to be treated like I got treated yesterday. Common, it's not even Halloween yet. He got his costume out way early! I have started another letter just in case he does not respond to my DV. It is just alot of thoughts on paper. I pasted it below and will most likely get it down to something readable. Thanks so much for being there. I know I am new but I have been around for a little while on this board and feel I kinda know alot of you already. Thanks again.

Possible Violations to quote back to Rummpy at a later date once I know his name. LOL

Rummpy,

You contacted a relative of mine by USPS mail and failed to identify yourself by not signing or dating your letter. § 804. Acquisition of location information [15 USC 1692b] (1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;

You specifically told my relative that you were collecting a debt against me, and I quote form you letter “what we do in this office is contact customers in reference to their bad check(s)” § 804. Acquisition of location information [15 USC 1692b] (2) not state that such consumer owes any debt;

In the contents of you mailing you identified yourself as a debt collector; I quote form your letter sent to my relative, see all three violations below quotes straight form you.

§ 804. Acquisition of location information [15 USC 1692b](5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and

”Adherer; this is a communication form debt collector”

“This is an attempt to collect a debt. “Any information obtained will be used for that purpose”

Earlier in your letter you stated “Please be advised that the name of this company is CM Systems, LP and basically what we do in this office is contact customers in reference to their bad checks”

I believe it is correct that you have violated three (3) times on just § 804. Acquisition of location information [15 USC 1692b] (5) not to mention your violations in § 804. Acquisition of location information [15 USC 1692b] (1) and (2) for a total of five violations in one letter.

Things to think about:

1. Rummpy has five days to get back to me over this debt that I owe since intial contact was on Oct 06 per me calling him.

2. Rummpy never told me on the phone that he was gathering information to collect a debt or intending to collect a debt during our conversations only in a letter to my mother was this disclosed.

3. Rummpy is really grouch and doesn't want to share his name with anyone.

4. Rummpy like to threaten to take me to court demand payment, make me beg for the name of the OC and how much is owed.

5. Can Rummpy operate out of a PO box only?

6. Rummpy is not lisenced or bonded in TN nor AL infact you can't even google him or his phone numbers.

7. Time for me to quit thinking about it. Hope you enjoyed the ramblings from my head put on paper. Thanks again and wish me luck. I will keep you posted if I hear back from him.

Rakell

Link to comment
Share on other sites

Remember he has probly got a real long pointy nose and a few face warts with little hairs growing out of them and of course he wants me to spin straw into gold. What he doesn't get is that you can't get blood out of a turnip someone needs to give him a reality check. He definatly needs to leave my mommy alone, before my mommy tells his mommy and he gets in trouble. LOL

Jokes aside, with the exception of his letter which was a real joke. I would have believed it had I not been lurking on this board for about a month. I was completely oblivious to my credit and consumer rights. I know I am not the only person he is preying on. I wonder how others are holding up with him are they just plain scared, which was my inital reaction. I feel bad for them if the are in the dark to the abuse. I was just going to pay this morning, now I am going to give it the attention it truly deserves because this guy has no scruples.

Link to comment
Share on other sites

I am sending my DV off this morning, in the mean-time I am going to the OC and attempt to get a copy of the reference list he sold to Rummpy and try to find out when. The only way he could have gotten in touch with my mother was off the reference list I provided them at the inital transaction. There are at least three other peoople on the list (you know those list of who's your Ma, Pa, Auntie and people you associate with). If Rummpy sent those letters out to everyone on my reference list, I want to know. I will gather info for a few days and see where to go from there. Most likely I will do as Momof5 suggest and start a lawsuit since my rights have been violated anyway. I would just like to find who and how many people he contacted to build against him.

Link to comment
Share on other sites

I spoke with a lawyer, well his legal assistant that ran it by her him. Got this gut off the NACA site. She tells me there is nothing that can be done because Rumpy is within his rights bcause he bought the list and that I should just pay it b/c I could face criminal charges on the check. So, I am going to mail Rumpy his payment.

Link to comment
Share on other sites

That's BS. Criminal charges only apply if you intentionally wrote a check you knew would not be paid. I had many checks I wrote come back unpaid due to a theft from my bank account. I wrote the checks and they weren't paid; however, it wasn't intentional. Never faced criminal charges.

Keep in mind, you have no "contract" with the CA. I'd suggest trying to settle with the OC. Sounds like the lawyer didn't feel there was much in it for him. Good luck.

Link to comment
Share on other sites

The check was writen in 2005 at a Payday loan store, they giged my account till it was NSF and I was forced to close. I took out more than one lone at a store, stupid me but times were bad then. I can pay now and really should it just makes me sick how Payday and JDB are so predatory. I was really young and stupid then.

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.