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TheGrandDEBTUA

Help me with MidLand?

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So Midland sent me a threatening letter via email saying they are acting on Citi behalf and are going to take court actions on me if I dont pay a debt of 781(but I owed a debt of  383 to citi) and then at the time I didn't know anything so I tried to stall them and got it waited out till now. But They just sent me asking to pay 100$ via Walmart gift card, monogram. And it's weird so I decided to look more into it and found this site and wanted to see what my options are.

 

I have never been served a paper summons does the email count as a summons? I have never received a call,text, or email from them before this, and I haven't seen anything on my credit from them I think so what could be done? Could me emailing them and saying I could pay be used against me?

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8 hours ago, TheGrandDEBTUA said:

So Midland sent me a threatening letter via email saying they are acting on Citi behalf and are going to take court actions on me if I dont pay a debt of 781(but I owed a debt of  383 to citi) and then at the time I didn't know anything so I tried to stall them and got it waited out till now. But They just sent me asking to pay 100$ via Walmart gift card, monogram. And it's weird so I decided to look more into it and found this site and wanted to see what my options are.

 

I have never been served a paper summons does the email count as a summons? I have never received a call,text, or email from them before this, and I haven't seen anything on my credit from them I think so what could be done? Could me emailing them and saying I could pay be used against me?

An email is not a summons. 

Could you please post the letter so we can read exactly what is stated?

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11 hours ago, TheGrandDEBTUA said:

But They just sent me asking to pay 100$ via Walmart gift card, monogram.

DO NOT pay this.  First:  Midland typically does not email.  Second:  They NEVER ask for payment by WalMart Gift card or Moneygram.  This is a SCAM.  They somehow phished your information.  Until you get a letter IN THE MAIL from Midland directly I would not do anything.

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This is what they sent me, is this actually a scam I been entertaining scammers for so long? The number they have is a 202-899-9889 not a typical scammer number and when I called it sounded like a white women answered( so not an Indian or african scammer). The email they have is midlandfundinginc@gmail.com and if this is fake how did they get which bank I owed?

Screenshot_20180913-114545_Gmail.thumb.jpg.355150f97b6eb1dac46c58b7d8c05648.jpg.

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Midland purchases defaulted debts.  They are then the owners of the debts and collect them on their own behalf..  To my knowledge, they do not act as a collection agency for OCs.   So saying they are acting on behalf of their client Citi Financial seems fishy.

And, I have never heard of a legitimate debt collector asking for payment with a Walmart gift card.

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So the general consensus is this is just a scammer? Hopefully that's the case would I be good to just ignore this then, as I have not been formally served papers at all? Also, could I still ask for validation as I have never been formally given a letter or served? Or does this email count"if it was real"

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7 hours ago, TheGrandDEBTUA said:

So the general consensus is this is just a scammer?

Yes. It is unanimous. LOL

7 hours ago, TheGrandDEBTUA said:

Hopefully that's the case would I be good to just ignore this then, as I have not been formally served papers at all?

Yes.  I would inform friends, family and employer that I have been targeted by scammers and NOT to panic and pay them thinking they are helping you.  Make sure they know they can ignore them too.

7 hours ago, TheGrandDEBTUA said:

Also, could I still ask for validation as I have never been formally given a letter or served? Or does this email count"if it was real"

Even if the email was real you could still ask for validation.  I would not bother though they will simply give you some excuse to scare you like they have already issued a warrant.  Their goal is to scare you into paying them with a form of payment that is untraceable.  

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