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Lloyd & McDaniel, Lousiville, Kentucky Complaints & Reviews - unethical practice

Lloyd & McDaniel Contacts & Informations

Lloyd & McDaniel

Posted:    linlinlex

unethical practice

Complaint Rating:  96 % with 23 votes
Contact information:
Lloyd & McDaniel
Lousiville, Kentucky
United States
Lloyd & McDaniel and Asset Acceptance purchase old debt and go after people without the means for legal representation. They file document in court without allowing the defendent to plead their case. If you dispute the debt it is stated in their letter that they will provide you with proof of the debt but, they don't send anything.

The obtained a summary judgement, garnisheed my bank account and payroll check without me every having the opportunity to go to court or present my receipts and checks showing payments made on the account.

They must be stopped. I would like to know if anyone else has been affected by this company. I am interested in filing a class action lawsuit.
Comments United States Collections Agencies
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 24th of Nov, 2008 by   tosco 0 Votes
I agree totally...please read my post on a similar scummy lawyer...Paul J Hooten...let's join forces.

Tosco
 26th of Dec, 2008 by   fedup 0 Votes
Lloyd and Mcdaniel did the same thing to me. They got a judgment against me without me ever knowing anything about it.. On a debt that the original creditor ceased collections on. I have a letter from the original creditor saying that they were recalling all collections associated with this account. That letter they sent to me through the BBB. I now have this judgment on my credit file and feel like my life is ruined... If there is help out there I'd like to have some too...
 10th of Dec, 2009 by   Sylvia Hellard 0 Votes
Well, they are still pursuing consumers without proof of the original debt. I just went to court in November of 2009 because they had filed a motion for a default judgement to be placed against me even after I had requested proof of my debt. Fortunately, the judge dismissed their motion. Their representative seemed really alarmed to find me in court to dispute the motion and angry when I showed proof through 3 certified letters of my request. He denied receiving my request. About 10 years ago, they took my mother to court and placed a lien on her property. At the time, she could not afford legal representation and was forced to file bankruptcy to get the lien removed. This company has serious greed problems!
 5th of Jun, 2010 by   jmled258 0 Votes
Same thing happened to me, those people are sharks and have unethical practices, I can't believe they are so called "practicing" Law, what a shame!
They wiped out my checking and savings accounts leaving me with $0! I understand they can garnish your deposit accounts with a Court order but what I don't understand is that, the same way there are guidelines on wages garnishements such as no more that 25% of your gross wages can't be garnished, how does it come that there is no similar guidelines applying for deposit accounts? if someone knows anything about such guidelines or rules, limitations, I would love to hear from you!
I also read from someone else talking about a class action law suit against that firm, I am interested to be part of it but not sure how it would work.
Good luck to everyone.
 3rd of Jul, 2011 by   stop_it_now 0 Votes
I made a complaint with the attorney general of my state. They are investigating Lloyd & McDaniel. If anyone that reads this feels that are doing anything illegal or feel that the debt really is not owed should contact there attorney general's office and file a consumer complaint form!
 8th of Mar, 2012 by   mjane1 -1 Votes
they just called me, and i didn't know the number, so i called back to see what company they were from, and did some research. What is the purpose of this company? Why would they be coming after me.. I don't know what they want but there is nothing for them to take from me. I am a disabled veteran, with no income, live in subsidized housing. My disability has destroyed my life. so i don't know what they think they are going to get from me...
 16th of Mar, 2012 by   05nana 0 Votes
I am going through a Very similar situation with them. They make up things that were said and put them in their notes. Then they repeat them as though the conversation really happened, I guess since it is being recorded. They also garnished my checking and savings. Class action suit... Let me know!
 12th of Apr, 2012 by   FedUpWithTheseVultures 0 Votes
I'm getting the same treatment as well. I received a letter from them claiming they had been retained to collect a certain amount. I responded via certified letter within the 30 days given and requested that they provide verification of the alleged debt. I still have yet to receive any verification, but I did get a letter from the local Sheriff's office about an "important document" they were holding for me. Likely a summons where they're going to try to sue me. However, I'm going to fight this tooth and nail, since they have no grounds to file suit without first providing the verification I am legally entitled to.
 9th of Jun, 2012 by   JamieP81 0 Votes
I agree 100% that Lloyd & McDaniel has an unethical practice!! I was threatened by Patrick Kilburn from this firm! Also, when ever I would try to explain that Countrywide owned this account and it was dropped due to the many errors and complications Countrywide Home Loans made, Patrick Kilburn screams through the phone he DOES NOT WANT TO HEAR ABOUT COUNTRYWIDE AND HE WILL TAKE OUR HOME IF WE DO NOT SEND A CHECK TO LLOYD & MCDANIEL EVERY MONTH...and he followed up with saying "AND I MEAN IT"!! Why are people like this allowed to continue?? I have been through enough grief with Countrywide Home Loans, and them not knowing what the hell they were doing, and now I have these jerks calling and threatening me. The firm also sent a letter stating they were going to garnish my paychecks and had the incorrect employer listed! NUMB NUTS!
 18th of Jan, 2013 by   too tall T 0 Votes
These people just sent me a letter last week stating that I owed their client, CAC credit acceptance corp over $12000, CAC repossessed my car last summer in the middle of the night eventhough I was 23 days past due, They could have sold it for 13k, but they chose to auction it off for a measly $5k. Now they are trying to collect the difference from me, , , That car was only 4 years old and would have easily sold for more than 12k, . CAC has hired those Louisville Ky goons at Lloyd McDaniel. As a true Kentuckian, they are repulsive. Anyway, I am filing chapter 7, so they can pound sand!!! Are you paying attention mr. Patrick Kilburn, you and your poor excuse for a LAW firm are worthless pieces of crap!!! I will join the class action suit too!
 22nd of Mar, 2013 by   lalalaboo +2 Votes
You guys are a bunch of idiots. Maybe if you paid your debts this shit wouldnt happen to you.
 22nd of Mar, 2013 by   lalalaboo +2 Votes
And why are you so proud to be filling bankrupt? LMAO
 24th of Mar, 2013 by   JamieP81 +1 Votes
They are crooks! My case was dropped by Countrywide, due to errors, they went bankrupt, and they did not follow up nor finish the process of our loan modification on our second mortgage. Bank of America bought all of Countrywide home loans, and Lloyd and McDaniel claims to now own our second mortgage, BUT THEY DO NOT!! Patrick Kilburn from Lloyd & McDaniel added over $20, 000 to a failed loan modification, threatened me, AND RECENTLY REMOVED MONEY FROM OUR CHECKING ACCOUNT SEVERAL TIMES JUST BY USING OUR REPUBLIC BANK CHECKING ACCOUNT ROUTING NUMBER, AND PERSONAL BANKING ACCOUNT NUMBER!! Republic Bank allowed this to happen, and Melissa at the Shelbyville, KY site refused to let me sign fraud papers!!! Thank God my husband has an attorney provided through his place of employment, because we was actually four payments ahead and Patrick Kilburn from Lloyd and McDaniel just kept removing money from our checking account!! I NEVER signed for Lloyd and McDaniel to remove money from our checking account, BUT REPUBLIC BANK ALLOWED THIS TO HAPPEN!! Lloyd and McDaniel DOES NOT own our old second mortgage, it was dropped by Countrywide due to their failure to complete our loan modification...PLENTLY OF DOCUMENTS TO SUPPORT THIS!! Lloyd & McDaniel also put a garnish on our wages, but had been paid!! They have caused us so much grief, we can't sleep at night! Bank of America is also crooks!! What is this world coming to??????
 30th of May, 2013 by   farm1 +1 Votes
I received contact from Patrick Kilburn in Oct. 2012 on a debt the I was making payments on. He would not accept the payment plan already in force. Some how without going to court they got a judgment against me. There were 2 court dates set, I went to both, they never showed up. While I have proof that I have paid several thousand more that I owe, Patrick Kilburn froze all my banks accounts, and now is demanding a one time payment in full, he does not acknowledge my previous payments that I have bank copies of. I need my account unfroze, so I am going to bend over and take it and pay what he is asking just to be done with it. It is not right, but I have not found any help else where. I find it odd that the same judge's name is on all the paper work. I'm all for a class action law suite. I do pay my bills on time, However I did get behind on this one when I was out of work for 7 months due to open heart surgery. I am not a slacker.
 3rd of Jun, 2013 by   JamieP81 +1 Votes
Patrick Kilburn is a CROOK!! He is dishonest and needs to be stopped!! I had a mortgage with Countrywide, which went bankrupt, and Patrick Kilburn has made our life a living hell!! He garnished both both my wife and I wages and had our payments!! He also takes money from banking accounts by using our routing numbers, and Republic Bank allows this to happen, in fear that we owe him money!! WTH!! I am also in favor of a class action suit!! On top of all this, he has threatened me!! Countrywide and Bank of America have had class action suits from all over the Country, and he is still getting away with with his actions with the company he works for, Lloyd and McDaniel!! I have had seven surgeries in the past two years, and I am not a slacker either!! I will help you with a class action suit, since our attorney through Ford Motor Co., must be in the buddy system with Patrick Kilburn at Lloyd and Mc Daniel!! Contact me..please!!
 3rd of Jun, 2013 by   JamieP81 0 Votes
lalalaboo must be "someone" from Lloyd and McDaniel!!!
 3rd of Jun, 2013 by   JamieP81 +2 Votes
I am VERY INTERESTED in a class action suit!!! Patrick Kilburn from Lloyd and McDaniel is SCUM and threatened me!!
 5th of Dec, 2013 by   Louis A R +1 Votes
Lloyd & Mc Daniel needs to be stopped
 5th of Dec, 2013 by   JamieP81 0 Votes
Amen
 9th of Mar, 2014 by   Frustratedat L&D 0 Votes
I have had issues with Lloyd and McDaniels too. In 2009, I tried to settle with four different banks because my husband lost his job. Citibank was the only one that refused to work with me. So I hired an attorney to represent me. This had dragged on for years. Out of the blue, three weeks ago, to both the shock of my attorney and myself, my wages were garnished by Lloyd and McDainels, representing Citi. My attorney has been trying to contact them to work on a settlement but they will not return her calls. When they finally did -- they demanded way more than I could pay...and they wanted it in a lump sum. My offer was $5000 which was about 50% of the debt. Even when my attorney told them I would have to file bankruptcy if they didn't work with me, they demanded $7000. I went to a bank to see if they would help me refinance my home to pay off the debt. My attorney has been trying to get a response from them for almost a week.. and NO response. I cannot live off the wages I have left after their garnishment. I am not going to refinance my home without something in writing that says this debt will be forever settled. Quite frankly I am considering bankruptcy, even though this is my only debt aside from my mortgage. I am caring for my Mom who has Alzheimers. This takes alot of my money and time. The garnishment HAS to end. I don't know why they won't contact my attorney to resolve this.. or work on resolving it. They are very aggressive and hard to work with. I absolutely hate the idea of bankruptcy, but it is better than not being able to have the means to care for my mother.

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