Aug 31, 2010
I received the first phone call several months ago - scared the jeep out of me because the person calling stated that he was a federal agent and that I was being brought up on several federal charges. He read my complete SSI # as well as my address to me. As a single parent with a small child it was more than a bit disconcerting. The man then became extremely rude and began to use profanity when I questioned his " authority ". I did say " if I were being brought up on federal charges, wouldn't they simply come arrest me ?? " I tried to tell him that I had looked into a payday advance when things were particularly bad financially, but after reading the fine print and realize that the payday advance was nothing short of legalized loan sharking , I had decided against it. The problem, I believe, is that when you look into a payday advance online, they do ask you for personal information, including reference information. I'm not sure whether the payday advance companies are selling the information to these people, or they're hacking it, but they're getting it ! Today the phone calls started again and this time they also called the references I listed on the original form, stating that they would be responsible for my debt to them. As I never took out a loan I have no debt to them and even I had taken the loan out, they could not legally hold an outside party responsible - what a load of CRAP !! They are persistant and ruthless though. I'm going to talk to a couple of federal agencies tomorrow to find out if we have any recourse. Let me know if there is indeed a litigation around this, I'd like to be a part of it