ABD74

Payday Loan Collector- Haven't even heard of them but they have all my info!

Recommended Posts

Firstly, I’ve been following this site for a long time and everyone has helped TREMENDOUSLY! So I am very grateful for that. My question today is more about payday loans.

 

A few years ago (2011), I got myself into a little trouble with PDLs. Long story short, I paid it all back with extreme difficulty. I’ll be honest, there may have been one or two which I don’t remember opening up. At the time, one of them did contact me and because I was so engulfed in just trying to pay it all back… I settled with the PDL company. I then closed my bank accounts and started a new life without PDLs. Or so I thought...

 

Today, I got a phone call AT MY WORK NUMBER (which I am pretty upset about) from a company called BOC (apparently that doesn’t stand for anything). They said they're trying to collect a debt for an internet loan I supposedly opened with a company called SSM Group LLC in 2011 for $300. I have no idea who that company is. I explained to them I don’t know who they are… I didn’t open up this loan… etc. And I told them I closed my bank account due to fraud. (They said they tried to withdraw money from account today.. even recited the last 4 digits… but it didn’t go through). The lady went on to ask me if I didn’t open the loan, why do they have my work contact information (which they did), the timeliness of how I got paid, ,my bank info, etc. She said that I should send fax them a notification from my bank explaining that my account was closed due to fraud in order to stop collection. But she doesn’t think it would get approved and if I really do feel like I didn’t open this loan, I should file a police report.

 

I’m not sure what to do now.

I live in CA

 

Does anyone have any advice on what I should do? I thought my nightmare was over, but I guess not!  I really appreciate it!

Share this post


Link to post
Share on other sites

Did they or were they willing to give you an address to send documents to? If not then this is either a scam or they violated the FDCPA if you asked for it. If they did give you an address, you can either:

 

1) Send a DV request. If you do this, make sure to inform them that all calls at your place of work are not allowed by the employer.

2) Send a refusal to pay letter. This would be if you think they would not be able to prove their case in court should they sue you.

In any case, send the letters CMRRR.

 

Don't bother with a police report. They have to prove first that an account was opened.

  • Like 1

Share this post


Link to post
Share on other sites

They gave me a fax number to fax a police report (if I got one) and a note from bofa (if I got one). I still have the number they also called me from.

 

I know to send letters certified mail so should I actually call them back and ask for a mailing address? Or should I use the fax number they provided?

 

Anyway, thank you for your response. I'm usually able to handle companies who I kniow I've had a debt from, but this is different since I am drawing a blank... and it was a bit scary since they had all my iinformation and my work number.

Share this post


Link to post
Share on other sites

This is a SCAM.  DO NOT send them any personal information.  As much as you believe your work number and other information is private it really is not.  These scammers have targeted me and I just had two calls from their employees posing as law enforcement and lawyers.

 

NO ONE is going to sue you or arrest you.  They have phished your information from the internet and are trying to scare you into paying.

 

Simply inform your employer, friends, family and anyone who knows you that you have been targeted by scammers and NOT to fall for it.  A sure sign is you cannot locate the name of the company anywhere.  They are using a spoofed number prepaid cell phone that is untraceable.  If they ever do call back simply tell them you know it is a scam and refuse to pay then hang up.  They are looking for the easy mark and once they figure out you are not it will move on to someone else.

Share this post


Link to post
Share on other sites

Well they just called my work.. AGAIN... even though I originally asked them not to. They called to follow up to see if I was able to get my bank to write a statement that my account was closed due to fraud. And to remind me that it may not even be approved without a police report since all my information seems to be valid. They did reiterate they are collecting for SSM Group. And their company is called BOC. Address is PO Box 771 Hamburg, NY 14075. Does anyone know these companies?

 

Well now that I have their official address. Should I send them a DV letter through mail or fax it? I'd hate to fax it because it would be coming from my work fax.

Share this post


Link to post
Share on other sites

Well now that I have their official address. Should I send them a DV letter through mail or fax it? I'd hate to fax it because it would be coming from my work fax.

 

No. You should send them a cease and desist and a refusal to pay.  Then if they continue sue them.

 

They did reiterate they are collecting for SSM Group. And their company is called BOC. Address is PO Box 771 Hamburg, NY 14075. Does anyone know these companies?

 

You might want to read this BBB information on the SSM Group:  http://www.bbb.org/kansas-city/business-reviews/payday-loans/ssm-group-llc-in-kansas-city-mo-99145953/

 

Additional Complaint Information

Complainants allege that the business deposits money into their accounts without permission as a payday loan. The company then begins withdrawing money from the account. The business has had numerous consumer protection suits brought against it by state regulatory authorities.

Government Actions

10-419 

Date of Action: 2/21/2012 

May 8, 2006 - The State of California Business, Transportation and Housing Agency issued a Desist and Refrain Order to FSM Group and Richard Moseley for violating state payday lending laws.

January 9, 2009 - The Maine Bureau of Consumer Credit Protection issued a Cease and Desist Order against SSM Group for violations of state lending laws and operating in the state without a license.

February 2011 - The Commonwealth of Pennsylvania Department of Banking filed suit against OSL Marketing, Inc., SSM Group, LLC, CMG Group, LLC, DJR Group, LLC and Richard F. Moseley, Sr. for violations of state lending laws. The business must cease advertising, collection, solicition or granting small loans in the state of Pennsylvania and pay fines and fees.

February 21, 2012 - The New Hampshire Banking Department issued a Cease & Desist order to SSM Group and ordered to pay a fine of $7500 and restitution to one customer for $600.00.

Also how do I find out if SSM group can sell PDLs to CA?

 

Creditors do not sell debts to collection agencies.  They hire CAs to do their dirty work and collect the debt.  They sell debts to junk debt buyers.  

 

Either way you do not need to be worrying about this.  Buffalo/Hamburg NY is the cradle of PDL collections fraud.  As I said before:  NO ONE is coming to arrest you.  NO ONE is going to sue you.  Tell them to FOAD and forget about it.  I would also report them to the NY Attorney General and your state's AG as well as the FTC.  File a CFPB complaint as well.

Share this post


Link to post
Share on other sites

Take the time to read California's FDCPA.  You will find it at California Civil Code 1788.1 et seq.  You'll find reporting info around CCC 1826, if I recall properly.  I've been off site for some time due to personal reasons, so, am a little off of my game.  You want to read them so you have an idea of how California looks at the collection industry.  Remember, the state FDCPA takes precedence over the federal as it offers more protection to the consumer.   For example, if a creditor attempts to collect their own claim, they are liable under both state and federal.

 

As to PDL's, I am not up on them as I have never dealt with one.  But, one of my daughter's had a problem with one when her husband passed away.  It was a legitimate claim, and assigned to a third party collector.  The end result was she did not pay it as they threatened to sue her.  As was explained to her, since a post dated check was involved, they cannot sue.  Once she informed them, the whole process stopped.  My only involvement in it was when the PDL kept calling me too many times in an attempt to force me to be a messenger.  Once I downloaded on her as to the statutes, it all stopped immediately.  This may have also played a part in her not paying it back.  I was not too polite, but, did inform this manager of her violations and liabilities. 

 

When you type in California Civil Code, most times you will be taken to a page with a gray background, which has all statutes for the state.  If you reach this page, scroll to bottom and type in a topic.  Hopefully, they have not changed this page.  I printed out what I use years ago, so, never visit anymore.

 

Listen to what the others are saying here.  Just by reading their comments tells me they are correct in that this is a "phishing expedition".   One thing I learned years ago about them is you may find one on each corner, with a different name, yet, they are all owned by one corporation.  Check the Secretary of State to see if you can find any info as to the owner, etc.

Share this post


Link to post
Share on other sites

Hamburg NY - Enough said. If they call again, laugh in their face and tell them you are not paying it and if they continue to call, you boss is talking to his attorney to find out how to stop it.

Western New York (which includes Hamburg which is a suburb of Buffalo) is the originator and center of all these scams. Nothing is going to happen if you get bold with these people.

  • Like 1

Share this post


Link to post
Share on other sites

Scam.  Tell them to put everything in writing.  DO NOT send a police report as this will only give them more information about you.  Tell them you are recording all calls before you start to talk to them.  It's a scam so have some fun with them.

Share this post


Link to post
Share on other sites

How long does it take to see a post? I tried to start a new thread yesterday, but my post hasn't come up. I apologize if posting a new thread would be annoying, but I am freaking out. Here is what I posted:

 

I am freaking out just a tiny bit… I hope someone can help me with legal issues before I start to go in panic mode! J

 

I got a call from a locator service who is trying to serve me papers at work! This business called my parent’s house! (I don’t even live with them!) Called my brother.. and called my supervisor at work. I was mortified. I called them back, and they said it has to do with court documents they need to have delivered. They advised me to call the litigation service which is called Bayview whose number is 1-844-338-0167.

 

I called Bayview, and they told me that their client would like to either take me to court to have this settled, or I can settle it right now by making a payment so this can be settled as “paid in full”. When I asked who their client is, they said “Riverside”… just Riverside. Not Riverside Loans or Riverside Bank… just Riverside.

 

I told them I had no idea who Riverside is and asked for a number. Bayview said they can’t provide me with their client’s information. So I told them, fine.. have the documents delivered to me then. I’d like to see them. The Bayview person then started asking me lots of questions such as:

“If you didn’t open up a payday loan, how does our client know your mother’s phone number? How do they have your BofA account number? How do they have your work number and social?” The scary thing is… they did have all of that information! And they have been calling my relatives.

Long story short, I didn’t give her any information. I just asked that the documents be sent to me. She told me that when the documents get sent to me, I need to be prepared to go to court on the assigned date and to make sure that I can cover all the fees PLUS the settlement.

 

I know they can be calling my bluff, but I just want to be prepared as possible. My bank account they are referring to has been closed years ago… I now have a different account number. I don’t know how to prepare or what to prepare if I had to go to court.

 

I also want them to stop calling my family and my work! How do I explicitly say that if they are not a debt collector and supposedly a locator service? And how do I go about asking Bayside for Riverside’s information if they won’t give it me because they are “protecting their client”?

 

This is such a nightmare. I don’t know what to do or where to start.

Share this post


Link to post
Share on other sites

@ABD74  I googled the phone number and found lots of references.  Its a scam...

 

You might lodge a complaint with www.cfpb.gov and your local phone company.

 

Let your supervisor and family know what's going on...tell them NOT to provide any info.

 

Its hard to tell where these people got your name....

  • Like 1

Share this post


Link to post
Share on other sites

Wow, thanks willingtocope! I've never heard from CFPB before, and I'm definitely going to file a complaint.

To be honest, years and years ago I had pay day loan problems. I thought I cleared it up with all of them... but this may be one straggler that I just forgot. It is VERY VERY upsetting to know they can call my supervisor and my family!  It had my parents worried... I just want to be able to do the right thing to make them stop. And what's even scarier is that they have all of my information.

 

If they call again... which I know they will... what should I do? Bayside is the one that is calling me which is supposedly the litigation service. Can I send them a cease and desist? I even asked for the information for Riverside and they won't give it to me. I just want them to leave my family and work alone. And I want to make this go away forever.

Share this post


Link to post
Share on other sites

They're counting on you wanting to make this go away...if they call again, don't answer...they'll try to panic you into sending money.

 

What they're doing is NOT legal.  A C&D might stop them, but since they're not obeying the law anyway, its unlikely.

 

Getting the CFPB involved might help.

  • Like 1

Share this post


Link to post
Share on other sites

They probably got all of the information from Lexis Nexus. I am tempted to request my report from them and see what they have on me.

As for the loan/bank information, they could have gotten from one of the payday loan collection agencies through a rouge employee who does not even work there anymore. The book "Bad Paper" by Jake Halpern gets into how this happens.

Share this post


Link to post
Share on other sites

I agree with Willing, stay off the phone and WARN everyone that you can think of that its a scam and not to provide any info or pay anything. They might claim that your going to jail (your not) and try to get your parents or anyone to pay for you to keep you from being arrested. My phone has been silent for several years.

 

Yesterday I got a call from Delaware, I answered it just to see what it was and have some fun. Sure enough, after the robo call switched over a guy calling himself Mr. Davis came on and immediately went into his speal about how "my name and SS# came up on their system and that I was being sued, that they had paperwork ready to serve me". I tried to interrupt him to ask him who I was being sued by and for what. He would not shut up, just kept going on about how "I was going to be served soon".

 

Having been a cop in my past life, I had to shout over the phone for him to shut up so I could talk. He still kept going so, I said look, "I'm a cop, if you want to serve me, come to my office at the PD and I will accept the papers".  I also told him this was just another big scam! When I quit shouting so I could hear him, the phone had gone dead.......LOL. Guess he couldn't take it. I had bout a call blocker box a year ago off line for about $80.00 that will hold 1500 calls. I just pushed the button and blocked that line until they try on another. That's okay, I can have fun on their dime. Today, I got another robo call that ask for some Mexican name telling to push one if I was and two if not. I hung up without pushing any buttons except the one on my call blocker....LOL.

 

Again, do not answer the phone if possible, or just hang up. If you get a solid address on them, send a  C&D CMRRR and let it go. Make sure that you or anyone on your behalf does not pay them a dime.

Share this post


Link to post
Share on other sites

I agree with Willing, stay off the phone and WARN everyone that you can think of that its a scam and not to provide any info or pay anything. They might claim that your going to jail (your not) and try to get your parents or anyone to pay for you to keep you from being arrested. My phone has been silent for several years.

 

Yesterday I got a call from Delaware, I answered it just to see what it was and have some fun. Sure enough, after the robo call switched over a guy calling himself Mr. Davis came on and immediately went into his speal about how "my name and SS# came up on their system and that I was being sued, that they had paperwork ready to serve me". I tried to interrupt him to ask him who I was being sued by and for what. He would not shut up, just kept going on about how "I was going to be served soon".

 

Having been a cop in my past life, I had to shout over the phone for him to shut up so I could talk. He still kept going so, I said look, "I'm a cop, if you want to serve me, come to my office at the PD and I will accept the papers".  I also told him this was just another big scam! When I quit shouting so I could hear him, the phone had gone dead.......LOL. Guess he couldn't take it. I had bout a call blocker box a year ago off line for about $80.00 that will hold 1500 calls. I just pushed the button and blocked that line until they try on another. That's okay, I can have fun on their dime. Today, I got another robo call that ask for some Mexican name telling to push one if I was and two if not. I hung up without pushing any buttons except the one on my call blocker....LOL.

 

Again, do not answer the phone if possible, or just hang up. If you get a solid address on them, send a  C&D CMRRR and let it go. Make sure that you or anyone on your behalf does not pay them a dime.

 

Thanks for the words of encouragement, TomnTex and everyone else! Another thing that worried me was that I got a call from my cousin... who lives 10 hours away from me! We hardly talk... I don't even have her cell phone number nor her house number. BUT these people... the locater service people... somehow got a hold of her yesterday. They called her home number which I don't even have myself, and they told her that I listed her as my emergency contact.

 

Absolutely insane. Makes me wonder who else they call... completely embarassing! I know it's difficult to make them stop, but I wish they would! I told them to serve me the papers and to bring it to my place of employment. But they said they had to call HR and my Risk Management Department and follow their protocol. I just want as much information as I can on them.

Share this post


Link to post
Share on other sites

Absolutely insane. Makes me wonder who else they call... completely embarassing! I know it's difficult to make them stop, but I wish they would! I told them to serve me the papers and to bring it to my place of employment. But they said they had to call HR and my Risk Management Department and follow their protocol. I just want as much information as I can on them.

 

@ABD74

 

This is designed to frighten you into paying them immediately so they will stop calling.  Unfortunately paying them has the opposite affect.  Your name gets added to the sucker list and they hand it off to their buddy at the next desk who will wait a couple of months then call again from a different business name and an alleged "new" debt you have not paid on.

 

Sadly there is no 100% guaranteed way to make them stop.  When I landed on the radar of these scam artists I too panicked at first but then once I found it is a scam I wised up.  I informed friends, family, bosses, co-workers, etc. that I had been targeted by scammers and NOT to worry or pay them.  I used to try to rationalize with them when they called (doesn't work), I did call one and leave the same threatening message for them that they left for me that I was suing them (that did work), now I just toy with them.  

 

If you do not have the fortitude to mess with them I suggest keeping an air horn like you use at sporting events by the phone and the next time they call get a peson on the line then blast their ear drums.  Another option is to simply and calmly state "I know this is a scam.  I will not pay you.  I have notified everyone I know about your scam calls they won't pay you either."  then hang up.  Once they figure out you won't fall for it they will move on to easier prey.  Now I get one maybe two attempts a year if that.  The ONLY way to stop them is to make them understand they won't get one red cent out of you.

Share this post


Link to post
Share on other sites

I have gotten on a similar list!!!!! - there is nothing on my credit report that i can match to this ....

 

I wonder if there is a way I can figure out who these jerks are and go after them .... they call me on my cell - they called sisters house - my parents house ... and distant family.

 

I have yet to answer the calls on my cell phone - they usually hang up and dont leave a msg - but they have left a few messages (which I just saved) 

 

they leave  threatening messages .... about

 

"..... being sued ..(they state the last 4 digits of my ss#).    - pre trail docs:NDABC -  - Aformal complaint has been filed against you and its in your best interest to contact the plaintiff immediatedly about ....pending charges and behalf of the state - -prior to the arrival of local authorities at your home (the state my address) - this is your last warning" ....

 

This has been going on for about 6-8 weeks now .... WHY DON'T THEY JUST SEND ME SOMETHING IN THE MAIL?

 

I have saved the messages.

I can't seem to get an address on the 2-3 phone numbers that they leave.  

Share this post


Link to post
Share on other sites

I wonder if there is a way I can figure out who these jerks are and go after them .... they call me on my cell - they called sisters house - my parents house ... and distant family.

 

WHY DON'T THEY JUST SEND ME SOMETHING IN THE MAIL?

 

I can't seem to get an address on the 2-3 phone numbers that they leave.  

 

Don't waste your time you are chasing a phantom.  Even seasoned consumer attorneys will not waste time on it.

 

They use pre-paid burner cell phones that cannot be traced.  They spoof the number being called from.  If they even have a physical address it is a mail drop box that cannot be used to serve a summons on.  If they are even in the USA at all. Even if you did manage to find a physical location they simply close up shop, move to a new location, start with a new "business" name and continue the scam.

 

Since you know it is a scam simply answer the call and tell them so.  Tell them your friends and family know of the scam and they are wasting their time.  As long as they believe they have a chance to get someone to pay they will keep calling.  When they argue with you simply tell them to meet you at the court house to serve the papers.  They will argue against it and for payment.  My goal in talking to them is to waste as much time as possible.  

Share this post


Link to post
Share on other sites

Just got home, been out this morning and had a message from you guessed it, the Mr. Davis spouting off that my name and SS# has come up in his system and that I need to push number six to talk to someone. I think if they try again while I am at home I will answer with "You have reached the office of the FBI, agent Gentry speaking" and see how fast they hang up this time.......lol. I can have them call you if your lonely after this mess your going through. One thing, the first call came spoofed as a Delaware number, to day was a Miami, FL number. So, they are very busy spoofing their calls and the guy speaks very good American English as I suspect he is. Be careful.

Share this post


Link to post
Share on other sites

ABD74, listen to the others, and stop worrying.

 

I'll add that you need to go to Radio Shack, or another, and purchase a battery operated recorder.  They run probably $25 and up.  DO NOT ANSWER THE PHONE AND RECORD THEM.  Let them leave a message, then transfer it to your recorder.  California is a two party state.

 

Your post sounds like your payday loans were some time ago.  If over 4 years, do not worry about it.  They're barred.  Also, read my earlier post about these payday loans and filing suit.  If it is true their attempt involves a loan in your name, they should have a copy of the check you made out.  Also, as was told to my daughter, they can't sue if a check was involved.  I have never looked up any statutes on them, as this was the only one I had any info on, and she did the homework herself.  BTW, this happened in 2009, and she has heard nothing since, not even a remark on her CR.

 

Ironman, who no longer visits here, told me about a statute that if they threaten to do something that they can not do, is a misdemeanor, punishable by a fine up to $2500 and six months in county jail.  I tried to find it in my notes, with no luck.  Will go looking for it.  If you search, let us know if you find it. He won several claims against collectors, and original creditors.

 

To add, California allows you to file your complaint with your DA's office if they have a Civil Attorney on staff.

 

Lastly, as I said, listen to the others, as they advised, and stop worrying.  Just get the recorder ad let them hang themselves.  If they are stupid enough to file, let us know and we'll guide you through it.  Remember, the Federal FDCPA, as well as the Rosenthal FDCPA (California's own), has statutes that protect you.  Everything these "ADUB's" are doing is illegal.  Read the Rosenthal, CCC1788.10 et seq.  In fact, print it out, so you'll have it handy.  The state FDCPA affords you more protection than the Federal.

Share this post


Link to post
Share on other sites

ABD74, listen to the others, and stop worrying.

 

I'll add that you need to go to Radio Shack, or another, and purchase a battery operated recorder.  They run probably $25 and up.  DO NOT ANSWER THE PHONE AND RECORD THEM.  Let them leave a message, then transfer it to your recorder.  California is a two party state.

 

Your post sounds like your payday loans were some time ago.  If over 4 years, do not worry about it.  They're barred.  Also, read my earlier post about these payday loans and filing suit.  If it is true their attempt involves a loan in your name, they should have a copy of the check you made out.  Also, as was told to my daughter, they can't sue if a check was involved.  I have never looked up any statutes on them, as this was the only one I had any info on, and she did the homework herself.  BTW, this happened in 2009, and she has heard nothing since, not even a remark on her CR.

 

Ironman, who no longer visits here, told me about a statute that if they threaten to do something that they can not do, is a misdemeanor, punishable by a fine up to $2500 and six months in county jail.  I tried to find it in my notes, with no luck.  Will go looking for it.  If you search, let us know if you find it. He won several claims against collectors, and original creditors.

 

To add, California allows you to file your complaint with your DA's office if they have a Civil Attorney on staff.

 

Lastly, as I said, listen to the others, as they advised, and stop worrying.  Just get the recorder ad let them hang themselves.  If they are stupid enough to file, let us know and we'll guide you through it.  Remember, the Federal FDCPA, as well as the Rosenthal FDCPA (California's own), has statutes that protect you.  Everything these "ADUB's" are doing is illegal.  Read the Rosenthal, CCC1788.10 et seq.  In fact, print it out, so you'll have it handy.  The state FDCPA affords you more protection than the Federal.

Thanks retmar! Yeah, I did some research this weekend... I want to be prepared as much as possible so thank you everyone for the advice. I wish these scammers would give me more information so I could file complaints. It's the alleged "litigation service" that keeps calling me on behalf of their "client" named Riverside and claims that they cannot provide their client's information to me. (Frustrating).

Anyway, I talked to my family members, and I'm going to talk to my work today. You're right... don't be embarrassed! Fight!

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.