google cease and desist letters and fire one to them, mail it certified return receipt requested. also google how to handle debt collectors and proof of debt and read up the essentials of federal fair debt collections act and the statute of limitations for your state. if you request for proof of debt per federal law they to provide it within 30 days otherwise they cease and desist from any communication with you about it. say check mate!
come get it i have it or contact your bank fraud dept.
ok i won't thanx! hey be real google cease and desist letters, federal fair debt collections act, how to deal with a debt collector and statute of limitations for your state
hey genius authorization is required to harass united states citizens at $500 a pop per FCC "do not call laws"
http://www.donotcallprotection.com/do_not_call_chart.shtml
http://www.ucan.org/telecommunications/landline/anti_telemarketing_script
it's a scam. this guy is pro'ly calling from india. you can do as much as you can do about a nigerian scammer - not much. but an air horn works magic. next time he calls just blow it on the phone. these indians are the latest nigerian scammers on the block.
why do you care what's that all about. don't play nice. get an air horn and blow it on the phone next time they call or if you call back and discover it's the same scammers. they get the hint real quick not to mess with you.
you got it. their intention is make you emotional so you can be erratic and agree to pay them. get everything in writing, limit your phone conversations to debt collectors to once a week per my financial adviser but i say once a month if necessary, and keep payment proofs for life.
in such a situation get the adrress - say where do you mail the check and to who's attention? then google cease and desist letters and mail it to them certified mail, return receipt requested.
stop being a fool kimmy. get on google and look for cease and desist letters. next fire one to them and include the proof of payment done.
now kimmy you said you do not know who these people are. and you paid them $210? how? and just how do u agree to a go from 10 to 210, are you nuts? you are classic case waiting to happen to a nigerian scammer or the latest, the indian scammers. don't go through life being so ignorant. get on google and don't play nice with scammers. buy an air horn and blow it on the phone. trust me it works, they get the hint real quick not to mess with you.
ordinarily $40 is ok. but these scammers don't stop there, they keep pushing to see if you are a soft target from whom they can extract more and more $$$. so what you needed to do is attach the money order copy to the $40 bill and mail it to them as proof it was cleared with a cease and desist letter.
btw did you check with your bank if they had passed on this bouncy fee to these scammers? or will the bank come later and tell you that you have never paid the fee?
btw mail should be certified, return receipt requested and not electronic access to your accounts. money orders will suffice.
i hope u have not caved in. if att sent you the last bill print a statement copy of whatever you used to make that payment shown clearly and highlight. next google cease and desist letters, write one and attach those copies. these clowns have 30 days to prove the debt per federal law otherwise they cease and desist. say it check mate! keep those records for life.
they will hit your credit reports. instead request via mail for the debt note. keep proof of payments for life. remember if it's not in writng it didn't happen
i don't know either. avoid payday loans altogether.
it works magic if you report them to the governing body and provide proof
they cannot garnish wages without winning a court case.
is the debt legit? else just request for it's proof. they have 30 days per federal law.
google cease and desist letter and fire one to them. send it certified mail, return receipt requested.
just buy an airhorn. next time you they call blow it in the phone.
The onus to prove the debt is on them, not on you. By demanding debt payment proof they are fishing and hoping you don't have and you will panic and pay. Write them and request for proof of debt per the Fair debt collection practices act. They have 30days to comply. Failure of which you send then send them a cease and desist letter (Google those). Then lodge a dispute with the C/B. After it's resolved freeze your credit report, about $10 i think. Finally do you have any documentation about the loan forgiveness? Can you re-request it? Even after you get it you can still play hard ball with them-don't give it to them. Even if they sue you no problem. Just show up in court with it. Then sue them if they disregard your cease and desist letters/if they violate the Federal law. Have fun with it!
As you dispute the charges cancel your current c.c. and request another one to stop any chance of further charges.
Google cease and desist letters and fire one to them, registered mail, return receipt requested. Ask for proof of the debt. It's their obligation to provide proof within 30days.
This is a scam-google it. BTW these crooks are in india and beyond legal reach so you really can't sue them. so the best thing to do is get yourself an air horn. once you get the call just blow it on the phone. it seems to work very well and no one will be calling you back, they need the other ear intact you know.
You can do a couple of things. If they were calling for x and you are y but they won't believe it tell them your phone is out of bounds for them else you are going to blow an air horn on their ear. and really carry out the threat.
And hell yeah i am refusing to pay the bill, bi@tch! then then blow the airhorn.
Google cease and desist letters and tell her according to the federal fair debt collection practices act you are requesting proof of the debt and you are recording the conversation and the date. they have 30 days otherwise they should stop contacting you.
You can also write a certified mail return receipt requested and ask for the proof in writing.
You can also record the conversation and tell them you are doing it. Also request for everything in writing before you make a payment - if it's not in writing it didn't happen. Lastly keep payment proof and all correspondence for life, your debt will be resold over and over again and it will be the same story all over again.
Dude I shop at home depot, pay with my debit card and I hate debt collectors! It's $12 bucks just pay it and get rid of it. It's a waste of time writing about $12 here. If it was 1200, 12, 000 bucks in fact I would be offering you advice. But jeeze. sometimes the devil gets just too much credit for cr@p he ain't doin but it's people upto no good! Anyway don't pay over the phone-request the bill, write a check and keep the proof of payment for life. otherwise another CA will pick it up and call you over it. There that must be worth more than the $12 you owe.
NEWSFLASH! This is the newest version of the Nigerian scam. You guys are playing too nice and perpetrating the image of the "the dumb americans." That ain't news that's a common phrase in other countries. So stop it! and stop playing nice. Get a sports horn and next time you get one of this callers just blow it into the phone. It works like magic.
I am sorry you lost money. But this case is being prosecuted currently, don't you know this? We invented google but don't use it and our ubiquitous news outlets hardly bother to tell us what is largely happening around us i.e. in other countries and sometimes in other states. No wonder they take advantage of us. I have never heard of Nigerians losing thousands of nairas to americans but it's always the other way round.
This is a scam. I hope you cancelled your debit card immediately upon realizing you've been had, on the phone before you even made time to go the bank. If you haven't and they realize you have outed them they will attempt to clean your checking acct, and you better believe it they will. Secondly stop applying for payday loans online - that's how they get all your info. Perhaps stop it all together, those are predatory lenders anyway. Thirdly, how in the world do you pay some debt you don't owe? And paying with western union was not a big enough red flag for you?
BTW anybody reading this don't follow Tiffany's MO. Instead head over to www.debtorboards.com. Learn before you act.
P/S I know i said u tell them u are recording. You don't have to if you don't want to, just record. keep in mind tho' when you tell them you are recording it gets their attention.
