First of all, let’s say that I did have an outstanding payday loan. These debt collectors use the telephone as a means of collections and not email. Secondly, they cannot just arbitrarily find an account and lawfully take money out of your banking account.
This is a scam designed to scare the recipient. They are hopeful that the person will call. My guess is that they have a pretty good success rate if the consumer actually calls. If you don’t know better, these collection inquiries can be very scary. Many times people will pay something that was never owed.
My reply back to them was:
“You and your company should be prosecuted for running this scam.”
I didn’t get a reply.
Email received reads as follows:
Subject: Check Recovery Notice for Case #2207-26wwd
I am contacting you because you have one or more payday loans that have
been referred to our collection department as a result of return payments by
your bank.
We have made numerous attempts to get in touch with you regarding repayment
of your account. Since you have demonstrated an unwillingness to voluntarily
settle the debt, you have been referred to Check Recovery. This automated system
is actively looking to locate any valid bank account associated with your name
and social security number. If such an account is found, Check Recovery will
move to recover the entire balance due at once.
If you would like to have control over how and when your obligation is
repaid, you need to contact me to put a firm payment plan in place. If I do not
hear from you by close of business November 28, 2007, I will assume you would
rather have my company take back what you owe, rather than paying it back on
your own terms. You may contact me by phone or
email.
Westbury Ventures
Phone: 1-800-859-6439 ext. 3487
Fax: 1-800-859-6450
adaugherty@ltsmanagement.com
adaugherty@dmsmktg.com
All contents copyright © 2007 Prudent Money and Bob Brooks. All rights reserved.
