Statue of limitations
Complaint
Matthew W
Country: United States
I never took out a payday loan.
Here is the letter:
Due to: Payday Loan
Amount Due: $1548.68
Case File #: 4597819
,
Our company (ACS INCORP) has authorized us to recover the full amount due to them. As we put your Social Security Number into our National Checking Database System we found that you have been never charged for a fraud activity & that’s the reason the Court House has decided to give you chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number.
We regret that if we do not receive your response within the next 48 hours, we shall have no alternative but to take action through your local County Court to recover the amount due together with court costs and legal fees which is approximately $4410.68.
AS YOU ARE A DEFAULTER ON THIS CREDIT UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:
(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION
If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid:-
• Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer
• Attachment of Earnings base (Earnings Arrestment). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debt
The Factual Basis for the complaints is as follows:-
You agreed to return the funds from the aforementioned income advancement as per contract.
And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.
At present, ACS INC is seeking either of the following remedies:-
All funds to be returned as per terms of initial contract
Dear Customer as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also we would like to know your intentions?
If you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf or alternatively E-mail us now to pay or agree a repayment plan with us.
AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN E-MAIL US BACK OR CALL US IMMEDIATELY ON +1 (281) 667-4448 DURING WORKING HOURS (From Monday To Friday 09:30 AM to 6:30 PM CST).
NOTE: THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.
Yours sincerely
Collections & Legal Department
ACS LEGAL | Privacy | Terms of use
They told me to contact Zac.
Be careful.
Here is the letter:
Due to: Payday Loan
Amount Due: $1548.68
Case File #: 4597819
,
Our company (ACS INCORP) has authorized us to recover the full amount due to them. As we put your Social Security Number into our National Checking Database System we found that you have been never charged for a fraud activity & that’s the reason the Court House has decided to give you chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number.
We regret that if we do not receive your response within the next 48 hours, we shall have no alternative but to take action through your local County Court to recover the amount due together with court costs and legal fees which is approximately $4410.68.
AS YOU ARE A DEFAULTER ON THIS CREDIT UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:
(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION
If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid:-
• Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer
• Attachment of Earnings base (Earnings Arrestment). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debt
The Factual Basis for the complaints is as follows:-
You agreed to return the funds from the aforementioned income advancement as per contract.
And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.
At present, ACS INC is seeking either of the following remedies:-
All funds to be returned as per terms of initial contract
Dear Customer as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also we would like to know your intentions?
If you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf or alternatively E-mail us now to pay or agree a repayment plan with us.
AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN E-MAIL US BACK OR CALL US IMMEDIATELY ON +1 (281) 667-4448 DURING WORKING HOURS (From Monday To Friday 09:30 AM to 6:30 PM CST).
NOTE: THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.
Yours sincerely
Collections & Legal Department
ACS LEGAL | Privacy | Terms of use
They told me to contact Zac.
Be careful.
Comments
+1(281) 667-4448
We are talking the loan amount of $300.00 that you took with the company, they do have your SSN also would like to mention your computer's IP address was also traced when you were signing the contract with the company. The company has more than 14 technical evidence in order to prove the money was successfully deposited into your bank account.
And talking about ACS, Inc (Advance Cash Services), it is a payday loan company which owns and operates more than 350 websites. All companies like Speedy cash, Fast cash, 300 cash, 500 cash, Cash Net USA, Cash advance, Cash America, Payday Max, 2-minute payday loans, Payday cash, Payday perfect, Money tree etc. own and operate under it. You went online from one of these websites and applied for an online Payday loan.
As you are looking to settle this matter outside of the court house, the best we can do for you is :
1. If you can come up with $995.00by today or tomorrow, we can close this case file of your on $995.00 only or,
2. If you are looking for a payment plan then the Settlement Amount would be $1200.00 and we can split it into two equal payments each of $600.00 that has to be paid till October 31st 2022 or,
3. If you are not able to work with the given settlement amount then you can pay $299.00 biweekly paid in full.
Kindly let us know the date and amount with which you can come up, so that we can update your case file. And once your account will be paid in full with zero balance then we will send you a Payment Receipt stating that your account has been paid in full with zero balance and you are no longer debtor for the company.
Do revert ASAP.
Regards
Lisa Smith
Sr. Executive
ACS Inc.
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This is in reference to reminding you,we are still waiting for your payment.Kindly go through the invoice and complete your payment ASAP.
Thank you.
Regards
Lisa Smith
Sr. Executive
ACS Inc
On Fri, Nov 4, 2022 at 9:25 PM Wyatt Jones <wyattjones5543@gmail.com> wrote:
This is in reference to reminding you,today is your payment date.Kindly go through the invoice and complete your payment ASAP.
Thank you.
On Wed, Oct 26, 2022 at 9:00 PM Wyatt Jones <wyattjones5543@gmail.com> wrote:
We would like to update you 5 payments each of $299.00 and last payment will be of $50.00.
Thank you.
On Wed, Oct 26, 2022 at 2:09 AM angela cuneo <angelacuneo@yahoo.com> wrote:
What will the 6 payments be? I can start on November 3rd with my first payment. Thank you so much for working with me. Is it for cashnet and other loans combined too?
Sent from Yahoo Mail on Android
On Tue, Oct 25, 2022 at 12:13 PM, Wyatt Jones
<wyattjones5543@gmail.com> wrote:
Alright;we are ready to work with you. it will have 6 payments.You will get your payment invoice on your email before your payment due date which you can pay through your debit/credit card.
Thank you.
On Sat, Oct 22, 2022
On Fri, Oct 21, 2022 at 12:01 PM, Wyatt Jones
<wyattjones5543@gmail.com> wrote:
Angela C.
We are talking the loan amount of $300.00 that you took with the company, they do have your SSN also would like to mention your computer's IP address was also traced when you were signing the contract with the company. The company has more than 14 technical evidence in order to prove the money was successfully deposited into your bank account.
And talking about ACS, Inc (Advance Cash Services), it is a payday loan company which owns and operates more than 350 websites. All companies like Speedy cash, Fast cash, 300 cash, 500 cash, Cash Net USA, Cash advance, Cash America, Payday Max, 2-minute payday loans, Payday cash, Payday perfect, Money tree etc. own and operate under it. You went online from one of these websites and applied for an online Payday loan.
As you are looking to settle this matter outside of the court house, the best we can do for you is :
1. If you can come up with $995.00by today or tomorrow, we can close this case file of your on $995.00 only or,
2. If you are looking for a payment plan then the Settlement Amount would be $1200.00 and we can split it into two equal payments each of $600.00 that has to be paid till October 31st 2022 or,
3. If you are not able to work with the given settlement amount then you can pay $299.00 biweekly paid in full.
Kindly let us know the date and amount with which you can come up, so that we can update your case file. And once your account will be paid in full with zero balance then we will send you a Payment Receipt stating that your account has been paid in full with zero balance and you are no longer debtor for the company.
Do revert ASAP.
Regards
Lisa Smith
Sr. Executive
ACS Inc.
On Tue, Oct 18, 2022 at 10:06 PM angela cuneo <angelacuneo@yahoo.com> wrote:
I'm not sure what this is about? Is it for a loan?
Sent from Yahoo Mail on Android
On Tue, Oct 18, 2022 at 9:30 AM, Wyatt Jones
<wyattjones5543@gmail.com> wrote:
CASE FILE #: ACS/87TN/4659
FDCP ACT-811 (15 USC1692I)
Case Type- Fraudulent Case (FC/SC)
Total Amount - $1545.78
Dear Debtor
Your CASE FILE #: ACS/87TN/4659 with National Debt Recovery Inc., in order to notify you that we are unable to get a hold of you, after giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. NOTE- We are in a process to inform the Social Security Administration & Major Credit Bureaus as well. NOTE: The Legal Charges Section 19(A), Clause 21(US) is against you and if you ignore this case then our legal department will take immediate action against you.
The accounts department of NDRI has decided to mark this case as a flat refusal and press legal charges under your Name and SSN. We are giving you the last chance to settle this account else we will have to forward this case to our legal department.
Please revert back if you want to get rid of these legal consequences and want to make the payment in order to settle this matter else this case file will be downloaded under your Name and SSN. The opportunity to take care of this volunteer is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:
(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION
Now, this means a few things for you. If you are under any state probation or payroll we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours we will have to proceed further with the legal charges under your Name and SSN.
Dear Customer as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 65-75% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed. Also we would like to know when you can pay the requested amount to settle this case. Please let us know what your intention is by today itself so we can hold the case. Otherwise we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. If you do not take immediate action we will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this.
NOTE: The Legal Charges Section 19(A), Clause 21(US) is against you and if you ignore this case then our legal department will take immediate action against you also we are in a process to inform the Social Security Administration & Major Credit Bureaus as well.
KINDLY LET US KNOW IF YOU ARE WILLING TO RESOLVE THIS CASE SO THAT WE CAN OFFER YOU THE PAYMENT PLAN OR SETTLEMENT AMOUNT AND IF NOT THEN WE HAVE TO DOWNLOAD THIS CASE FORCEFULLY AGAINST YOU INTO THE COURT HOUSE.
REPLY EMAIL BACK IMMEDIATELY WITH YOUR FINAL ANSWER SO I CAN MOVE ON FURTHER, ON THE BASIS OF YOUR ANSWER.
We believe that this was not your intent and these steps are unnecessary. We merely require you to contact our recovery asset location department via Email or contact us on +1(281)-667-4448 between 09:00 AM to 05:00 PM (EDT).
NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS
Yours sincerely
Collections & Legal Department
National Debt Recovery Inc.
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