 How do i get my credit card companies to freeze the interest, anyone done this? |
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Additional Details
...and I don't want to have a credit card.... |
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 Credit card details? |
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 Can I trick the bank like this ? |
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Additional Details
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 I'm in credit card debt, what can i do? |
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dimples | Can they send me to jail? |
I got caught in the payday loan scam. I needed money to pay bills and before i new it i was getting loans to pay back other loans. They were taking money out my account and the bank ended up closing my account. It has been 2 years and this man calls me threatening to send a detective to take me to jail for bank fraud. I told him i would make arrangement tos pay the bill but he said i had to pay the full amount. He will not send to me in writing how much is owed. When i called the number back they don't even say what company it is. What should i do? He said if i don't pay by Wednesday they will send someone to arrest me in front of my family or at my job. |
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Mrs. S
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No, this is a trick used to scare you into sending them the money. If they won't tell you their name/company, then how do you even know that you OWE anything to them. Reputable banks and companies will usually send you something in writing in order to try to obtain payment. Many will work out payment arrangements with you; this way if it goes to Court, they can prove due diligence in collecting a debt. I would call and make a police report for harrassment and possible fraud... Contact a nonprofit credit counseling agency. they may be able to help you. Here is one website:http://www.credit-counselors.cc/ |
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ranger_co_1_75
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Immediately call your local police department and report the incident. Ask to talk with someone in financial fraud.
Also call your States Consumer Protection division and talk with the attorneys there.
It will depend on the laws of the state you live in, but generally you can't be jailed unless you had INTENT to defraud someone.
It is generally against the law to obtain something of value ( your $) by threatening to put someone in jail knowing you can't do so
The Oregon Attorney Generals Office recently filed criminal and civil charges against people in California, doing business under the name of 4 different collection companies, for this collection scam.
Good Luck |
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bgee2001ca
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It is a collection agency B.S. ploy.
I would ignore his calls, if you have call display.
The worst thing he can do is force you to declare bankruptcy, then no one gets any money. |
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geminijeanna
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He sounds like a thug or a bill collector. If the bank has closed your account then contact the bank and ask them how much you owe the bank and to what commpany was repayment denied? They will have all the info you need on who you actually owe the money to. It does not sound like bank fraud - it sounds like an unpaid debt. |
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bdancer222
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Did you write checks for this payday loan company to "hold" for a week? And did these checks bounce? Technically the payday loan company might be able to press bad check charges. But I'd think they would have done so long before now. The payday loan company probably charged off your debt about 90 days after you defaulted.
You have a hard core collection agency calling you. They are using scare tactics to get as much out of you as they can squeeze. Tell them you want verification of the debt, including a detailed statement. |
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Judy1
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It's a ploy. They can end up seizing some of your assets or garnishing your pay if they get a court order, but can't send you to jail. What you didwasn't wise, but isn't bank fraud. |
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boodahgurl
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Hmm...sounds like you are falling victim to a scam that you were once involved in yourself.
So how much do you actually owe and to whom do you owe this money?
The fact that it has already been two yrs... why arrest you now? They would have done it a lot sooner...right? |
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darlingnicky772
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This is a lie. They have to take you to court 1st. I think I would take what info you have. Like an address that you are to send this money to. Any names and numbers they gave you to the police. This sounds like a scam. I don't get how the bank closed your acct? Unless you closed it or you had no money in it for months and had to many withdraws. But still, the only things I think they could do is take you to court. Next time they threaten you, just say "If you don't stop threatening me, I will go to the police and if you want your money in full then you need to take me to court. Cause how can you pay them without a bill??? Think about it before you send anything!!! |
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jcorbino
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This contact to you is ABSOLUTELY a violation of the Fair Debt Collection Act (FDCA). There is NO "debtors prison"! Insist IN WRITING (and keep a copy) upon being contacted only in writing, advise him that you are aware of your FDCA rights, and that you will seek legal action against this firm if they do not "cease and desist" in these illegal collection practices. Contact the Federal Trade Commission and/or visit their website at http://www.ftc.gov for more info on this topic. Also visit http://www.fair-debt-collection.com (free site) for more info and even a sample letter you can customize to send them Good luck! |
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toochins
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did you pay off your loans? if so call the bank where you had the account and ask them about it. that sounds kind of fishy to me esp since they wont tell you how much you owe or even the companys name. THEY could be scaming you. good luck |
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Rick B
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He is just trying to scare you. It is a debt. Plain and simple.
Hang up on him.
What bank fraud? You did not commit fraud. |
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David B
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if ur in the uk, you do not need to pay back a loan from a "loan shark" ie someone who is not registered as a proper money lender they cannot take you to court ! TDont pay it back. |
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cjid84
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I think you should go to the police straight away, might be a scam artist at work |
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servicedogstar
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I would call an attorney help line in you re state usually creditors get you arrested they get a Court order to keep some of you re wages if you re in jail they cant get payed |
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johnrey n seduco
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can they send me to jail for not paying my bank loan,bcoz since i resign from work,i didnt get any job then...my husband salary is not enough for us that i couldnt pay it as of now... |
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