pay day loan that was paid off back in 2008
Complaint
karey mueller
Country: United States
man called yesterday left number to call back on my machine at work. Said he needed info about a check. When I called back told them I had prove that this had been taken care of. He wanted me to fax it over. Well I am not going to fax over a bank statement. Gentlemen already had my social security number and my email address. The number came across caller id as 719-387-0384. Gave me number to call back as 877-787-5582 Ext/ 271 Name is Will. Fax # is 702-463-8752.
Comments
I happened upon the "ffg" threads while browsing 800notes and saw immediately that there was work to be done.
I have dealt with dozens of idiot bill collectors like you on the complaint boards. Collectors that bluff and bluster and threaten aren't going to do anything but talk. All mouth, no action.
Real collectors follow the rules, do not waste their time on complaint boards, and do no accrue page upon page of complaints like you do.
What you are attempting to do is collect noncollectable debt. There is no way that you can force anyone to pay unless they are stupid or uninformed. I'm here to make sure those things don't happen.
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Fixing things, one collector at a time
FFG continues to fix the economy one debtor at a time! You can thank us later!!
"Hit a nerve" indeed, lol
This is a telephone complaint board. People come on here to compare notes and file complaints about nuisances like YOU.
That apparently gets on YOUR last nerve, else why would you come here MAKING SHILL POSTS. (pretending to be other people that have been "sued by ffg") lol
You don't like having the light of truth shining on your little shenanigans.
You aren't going to sue anyone.
Important info on FFG...
Public document...
BBB on FFG...
Unauthorized debits from your bank account and overcharging...
Go to BBB.org and read it yourself...
Be very careful when dealing with these low lifes FFG, they will wipe out your bank account illegally...
Closing down one sleazy company at a time...
Remember your dealing with thieves...
Important info on FFG...
Public document...
BBB on FFG...
Unauthorized debits from your bank account and overcharging...
Go to BBB.org and read it yourself...
Be very careful when dealing with these low lifes FFG, they will wipe out your bank account illegally...
http://www.wvago.gov/press.cfm?ID=547&fx=more
"FOR IMMEDIATE RELEASE
Contact: Norman Googel
Phone: (800) 368-8808
Release Date: November 24, 2010
Attorney General McGraw Sues GECC and Dollar Financial for $3.9 Million for Continuing to Make Illegal Internet Payday Loans
CHARLESTON – West Virginia Attorney General Darrell McGraw launched another volley today in his office’s campaign to stop usurious Internet payday loans in West Virginia, seeking $3.9 million in penalties from Government Employees Credit Center, Inc., (GECC) and the Dollar Financial Group for making and collecting illegal payday loans in contempt of a court order.
...
Last week McGraw’s office sued two other collection agencies – Ezell, Williams and Associates dba D & R Recovery, of Bolling Brook, Illinois, and owners, Charles L. Dickey and Charles L. Dickey, III, plus Frontier Financial Group of Henderson, Nevada, and owners Salvatore Mazzara, Shane F. Donofrio, and Paula Englebrecht – for collecting Internet payday loans without a license and for ignoring the attorney general’s investigative subpoena. Both companies collected Internet payday loans originated by a now-defunct company, Money and More, that signed a settlement agreement on April 17, 2009, with the Attorney General agreeing to void all of its loans.
..."
http://www.deseretnews.com/article/700084082/ ... ed-to-Utah.html
"Suspect in Ponzi scheme returned to Utah
Published: Saturday, Nov. 20, 2010 9:17 p.m. MST By Paul Koepp, Deseret News
SPANISH FORK — The alleged leader of a huge Ponzi scheme that targeted Utah County has been arrested and brought to Utah to face felony fraud charges.
Gale Robinson, 63, formerly of San Jacinto, Calif., was arrested on a fugitive warrant Oct. 8 in Tavares, Fla. She was extradited to Utah and booked Oct. 27 into the Utah County Jail, where she is being held on $10,000 bail.
Robinson was charged in May with 21 felonies, including securities fraud, money laundering and pattern of unlawful activity, for allegedly running an illegal investment arm of her California-based payday lending company, Money & More.
Utah County investigators obtained a warrant for her arrest in June after speaking with a former Money & More employee. The employee told the Deseret News that Robinson had spoken of her intention to flee California to avoid arrest. She previously lived in Florida for many years.
Prosecutors say Robinson hatched the scheme in June 2007 with three Utah men, Larry Bosh, Shawn Benson and Michael Smith, who have also been charged in 4th District Court. They allegedly guaranteed huge returns with little risk , backed by the accounts receivable of Money & More.
When the company stopped paying out in 2008 and investors complained, the Utah County Attorney's Office started an investigation.
According to an affidavit requesting the warrant, two attorneys met separately with Robinson, Bosh and their associates and warned them they were violating securities laws. Bosh previously told the Deseret News that attorneys advised him the investment scheme was a "gray area."
Investigators initially said hundreds of investors, mostly from Utah County, lost $59 million. The affidavit states the group solicited over $37 million. The lead prosecutor on the case, Curtis Larson, did return a phone call Tuesday.
Robinson used more than $1.5 million of investor money to buy a home in San Jacinto, Calif., according to the affidavit. Attorneys representing roughly 330 of the investors say their clients lost $47 million, much of that evaporating in bad loans.
They reached a $24 million settlement with Money & More but expect their clients to see only a fraction of that. The attorneys say that settlement would return some assets more quickly and with less depreciation than through the restitution that would follow criminal convictions. Prosecutors, however, believe some of the investors may have also participated in the scheme.
The settlement has been held up by a restraining order freezing assets of Robinson and her associates. An appeal questioning whether that order is based on an unconstitutional state law is pending before the Utah Supreme Court.
Robinson's attorney declined to comment on the case. Her next court appearance is scheduled for Jan. 10.
Also charged in the case are Daniel Maynard, of Sandy, and Timothy Provost, of Alpine, described by prosecutors as the next level down in the tree of investors.
Another alleged middleman, David Poulsen, of Salem, pleaded guilty in May to two counts of participating in a pyramid scheme, a class B misdemeanor. He was ordered to pay a $555 fine and do 60 hours of community service.
..."
http://www.consumeraffairs.com/finance/cmg_group.html
CMG Group is reported to be connected to Westbury Ventures.
Desist and Refrain Order against Broadmore Ventures, The Loan Shop, Express Cash, Xpress Cash, Westbury Ventures, Plaza Processing, ASAP, PD6 Ventures, DMS Marketing, LTS Management, located at 2756 N. Green Valley, Parkway, Suite 871, Henderson, Nevada 89014, and at 10120 S. Eastern Avenue, Suite 200, Henderson, Nevada 89052.
Hey, FFG is located in Henderson NV....
And here is the outline of the same scam allegedly run by CMG Group, in the Order from the California Dept. of Corporations. Apparently all these connected "payday lenders" ran afoul of California's payday lending laws.
http://www.corp.ca.gov/ENF/pdf/2007/broadmore.pdf
"...
4. A deferred deposit transaction is a written transaction whereby one person gives funds to another person upon receipt of a personal check and it is agreed that the personal check shall not be deposited until a later date. These loans are sometimes referred to as “payday advances” or “payday loans.”
5. California consumers received unsolicited advertisements from Broadmore offering
potential customers funds of approximately $300 until their next payday.
6. Broadmore would arrange for an electronic deposit of funds to the consumer’s
respective bank account and Broadmore had access to withdraw the $300 plus their fee on the due date of the deferred deposit transaction.
7. However, when the day due on the deferred deposit transaction came due Broadmore
would not withdraw the agreed upon repayment from the consumer’s bank account, even though adequate funds were available to do so. Instead Broadmore would withdraw $90, which they stated consisted of their $45 fee and a $45 interest change. Broadmore would make successive withdrawals of $90 from the consumer’s account. In some cases Broadmore would take $90 twice in the same day from customers. One customer had 16 withdrawals made from his bank account for a total of $1,440 during a three-month period. A customer who obtained two $300 payday loans from Broadmore repaid them a total of $2,040. It was necessary for Broadmore’s customers to close their bank account to prevent repeat unauthorized withdrawals. Broadmore would not respond to consumer complaints and continued to overcharge them. Broadmore’s representatives including, but not limited to, Kiria Cummings, Michelle Hargrove, William Mashburn, Tom Rothrock, William Schlappi, would contact consumers or their employers, impose deadlines for payment via Money Gram or Automatic Clearing House (ACH) and threaten consumers with legal action.
..."
They operate out of Nevada, but for a while they were apparently operating unlicensed, and the Nevada Department of Financial Institutions, which regulates both debt collectors and payday lenders, had to track them down due to complaints.
Numerous complaints against FFG report that they claim to be collecting on "a bad check", which is a common deceptive collection tactic implying a threat that you might be prosecuted for passing a bad check for failing to pay off a delinquent payday loan. Several consumer complaints also include details consistent with common fraudulent "debt collection" schemes to collect on fabricated or fake "payday loan debts".
The West Virginia Attorney General recently sued them over illegal unlicensed debt collection from WV residents in connection with invalid payday loans originating with a defunct payday lender that had agreed to cancel those debts in a settlement. Apparently, they failed to respond to the WV AG's investigative subpoena.
You should be very careful about paying any debt you have any doubt about, especially when you are being threatened. Federal and state laws place many restrictions on what debt collectors are allowed and required to do, and allow for penalties when they fail to follow the law.
It has become an increasingly common scam for both real and fake debt collectors to collect on fake "debts" through illegal phone threats. In fact, the more extreme and illegal the threats, (especially including threats of arrest, threats that you have already been sued, or threats indirectly through relatives or through coworkers), the more likely the threats are being used as part of a fraudulent collection scheme.
All debt collectors are required to comply with the federal Fair Debt Collection Practices Act (FDCPA), which includes requirements that debt collectors notify consumers in writing within 5 days that they can dispute and request proof of alleged debts. If you dispute or request verification of the alleged debt within 30 days of receiving their first letter, a debt collector MUST cease ALL collection activity until proof of the debt has been obtained from the original creditor and sent to you.
FDCPA also prohibits abusive or harassing collection tactics, using deception to collect a debt, and threatening to take any action they do not intend to take or that they cannot legally take (including threatening to sue if they don't intent to or can't sue). It also prohibits threatening arrest or prosecution for debts.
If you suspect illegal and abusive debt collection, or collection on a debt you do not actually owe, or other violations of FDCPA, contact FTC and your state Attorney General for assistance. You can also file complaints against FFG with the Nevada Department of Financial Institutions, who are beginning to get tired of them.
You might also contact a consumer protection attorney in your state, with experience in FDCPA and FCRA litigation. Since both FDCPA and FCRA allow courts to award damages and attorney fees if you win, you may be able to find attorneys willing to take such cases dealing with abusive collection on contingency. You might try www.naca.net for an attorney in your state.
"Plaintiff: Rodney Pinkett
Defendants: Rory Vohwinkel, d/b/a Rovo & Associates and North American Asset Services LLC, d/b/a Frontier Financial Group
...
Plaintiff: Rodney Pinkett
Represented By: Cathleen M. Combs
..."
http://dockets.justia.com/docket/illinois/ilndce/1:2010cv07954/250552/
"Plaintiff: Andre Jones
Defendants: Rory Vohwinkel, d/b/a Rovo & Associates and North American Asset Services LLC, d/b/a Frontier Financial Group
...
Plaintiff: Andre Jones
Represented By: Cathleen M. Combs
..."
http://www.edcombs.com/bio/CathleenCombs.asp
California law, like many states, contains provisions covering debt collection and credit reporting similar to the federal FDCPA and FCRA laws.
Specifically, look into the Rosenthal Act, which is California's version of the Fair Debt Collection Practices Act. In some respects it contains stronger provisions than FDCPA, in that it extends compliance requirements from just debt collectors to also include original creditors.
http://www.dca.ca.gov/publications/legal_guides/dc_2.pdf
California law can be found on-line, through ca.gov URLs. You may have to search, or inquire through the CA AG site.
California also has laws covering payday lending. (A cluster of Las Vegas payday lenders/debt collectors received a "Cease and Refrain" order from the California Department of Corporations, in connection with illegal payday lending and abusive debt collection practices that referenced those provisions.)
Also note that you can sue out of state debt collectors under federal FDCPA and FCRA in your state as well as federal courts. The wording used is something like "in any court of competent jurisdiction".
You can contact the California Attorney General.
http://ag.ca.gov/consumers/general/collection_agencies10.php#responding
You might also contact a consumer attorney licensed in California. Many will review your situation with a free consult, and many also take FDCPA violation cases on contingency since FDCPA and FCRA allow courts to award attorney fees.
FDCPA allows for awarding of actual damages, AND statutory damages up to $1000, and a collection agency and its violating debt collectors might both be liable.
You might try www.naca.net as a way to find a California attorney practicing in law in the area of FDCPA, FCRA, and consumer debt.
Mostly, they lie to get money.