I got a phone call from a person saying they were from a company called Central Judicial Systems based in Spokane, Washington telling me to call a phone number along with a case number. I called that number and was told I was going to be taken to court about a payday loan (which I applied for but never received) in Oct 2010 for 1000.00. After I told the person I had no record of this deposit she told me to wait for a subpoena in the mail and then hung up. When I called the number back, I was unable to get a person on the phone as the number would hang up automatically. This is very shady to me and I want to know what’s going on and what my options are. I remember applying for the loan but I never got it and I have proof in my bank statements. Also being hung up on was suspicious as well. Are these empty threats? What do I do?
Posts Tagged ‘proof’
I was scammed! I took out a £2000 personal, unsecured, no insurance loan, a man who works for the company changed it to £4000 and stole the £2000 off my loan!! I have no proof or evidence to show the police or company, or to prove that I only took out £2000…so I’m repaying back £4000!!
I’ve decided not to pay it back. I’ve been paying them £200 a month since October and my balance today is around £4760…the interest rates are appaling and I simply cannot afford to pay it.
…what’s the worst that could happen? Being credit blacklisted for six years? No big deal as I dont do credit/store cards anyway.
What I am asking is, as the loan is only £4760, their company will have insurance to pay this back if I dont. Now they can either take me to court, which in the long run they wont bother with because it takes too long and the amount aint really worth it, but what I’m asking is, what really is the worst thing that could happen??
thanks in advance for the help…
..so basically, get a new bank account (not my currnt/new address but different one, say a friends), and change my address at the company.
What address do I give the loan company?
..please explain further the electrol role because I am on it now with my current address.
For a little background, I am 26 and filed chapter 7 about 6 years ago. It has long since been discharged. Ever since then, I have done much better with paying all of my bills and never miss a payment. I have a couple of credit cards, a car loan, and school loans. At this point, my credit score has gone up to about 620 which I know is still not the best but better than it was.
I have been with my credit union for about 5 years now, and I applied for a loan for 00. I had requested an unsecured 36 month loan. Here is the response from them:
"We are unable to approve the loan on the terms you requested. We will be able to assist you on the terms stated below.
Principal Reason(s) for Counter Offer:
-Bankruptcy schedules needed to verify discharged debts
-Tiered rate will apply
-Requires proof of all income
-Will consider with adequate collateral"
So I am wondering what tiered terms are exactly? I don’t really have collateral unless they consider my car.
What options do I really have here?
And btw, I do owe on my car for 2 more years.
Update: We have been emailing back and forth. Basically the tiered rate would be 2% higher than their regular terms. But she says they can’t use my car as collateral because the trade in value is a little less than what I owe. They are asking if I have other collateral. What else could I even use? I don’t own a home, don’t have any savings, and this is my only car.
Thanks for all the answers. They won’t take my car as collateral because the trade in value is about 0 less than what I owe. I asked the loan officer if there are any other options and it sounds like no. I don’t know, this just sucks. Can’t a girl ever get a break?? lol
I’ve a personal emergency and am looking for a unsecured loan for 6k $. I’m willing to pay a decent market interest and show proof of work and pay stubs etc, I can clear the entire loan in 6 months. I moved here only about 3 months ago and so dont have a credit to get it from my Bank.
Though I couldnt find help, i certainly did get some additional things to explore.I’ll have to try some way to figure out a solution.
I got a payday loan on line awhile back I live in dallas can a judgement be against you on line with out knowi?Tuesday, August 23rd, 2011
it ,without going too court?the federal trade commissioner told me too wait for proof buy mail and that if they sue me it will be near where I live.
I was a student of University of Phoenix and was dropped because the financial advisor said I owed a balance of 1200 dollars to the school for loans they gave back. I have struggled and fought with this school for 1 year and now after being told that it was just going to their internal collection agency it actually got sold to an outside agency and is now showing up on my credit file as an unsecured loan. I have went through the account records because I know that I do not owe this money and finally got proof from the advisor that started it all in form of an email account break down that shows I owe 0. I have emailed her to fix this issue and the university itself but they are refusing to respond. mean while I have this big so called loan on my file showing as not paid. What do I do? Note: I have sent this twice to the credit agencies and they have verified that I owe but I don’t. The university s refusing to fix this. HELP
I’m a university student who has only cosigned loans and some part time work (less than 1000 dollars this year) as income (which I don’t think counts). I don’t file tax returns, but my utility companies want some proof for their discounts.
My husband and I were trying to get our finances in order to purchase a house in the next 6 months. We are paying off a few small loans, all totaling around 00 and we were going to save 00 to have in savings just to show financial security. Now I’m worried that if we wait 6 months, we won’t be able to get a mortgage loan. You see, we filed for Ch. 7 bk 4 years ago. We have one situation on our credit where late payments show up, but this was a car that we sold to someone else who was paying the payments. We have proof, via the contract and bank statements, that we weren’t responsible. I was told that should do the trick for those late payments. Other than that, we have not had any in the past 4 years. My credit score is around 630 and my husbands around 600. On one hand I believe that this sub prime bust will lower home costs and be good for us, but on the other I have to wonder whether we’ll even qualify. Help!
I realize that they will be available but would we be better off to go ahead and try to get the loan now vs. waiting 6 months?