Legal Department Of Advance Payday Plus
Complaint 59274 Details

The company announces itself as the legal department of Advance Payday Plus. From the beginning of the conversation the representative stated that I am being sued in the state I live in and criminal charges have been filed against me for check fraud, I owed over $8000 and that I am being arrested. He asked for the name of my attorney and phone number and insisted that the company gave me a $300 pay day loan. The company preys on people that have or have had a pay day loan through another company(s). The first representative argued with me and then connected me with the manager who calls himself Derrick Anderson @ 646-381-1996. No offense but these people that I dealt with was clearly from India based on their accent. After arguing with Derrick Anderson and advising that I was going to sue his company for slander and that I did not receive a pay day loan from Advance Payday Plus but that I did have 2 payday loans out with 2 other companies he stated his company represents several payday loans, requested the names of the pay day loan companies and the amount that I borrowed, how much I have paid toward the pay back and that I no longer owed any money to Advance Payday Plus and that he would take care of the other 2 outstanding Payday loans I have out. He claimed that he was going to call both the companies (names provided) and let them know that I would be settling my accounts through him. I found that to be odd because I told him I had no problem with the contracts I signed with the 2 payday loan companies and that they were taking out money out of my account with no problems. He asked me to calm down, told me he would call me back between 1 to 2 hours after he spoke to the other pay day loan companies. Derrick Anderson called me within 30 minutes from when I hung up from him, asked me to call him on his personal line because there was a problem with the number that he was calling me from. I called him back, he advised that the first company was willing to take a settlement of $398.00 and the second company was willing to take a settlement of $222.00. He requested that I fax him a letter to 267-645-0472 advising that I was going to settle with both companies at the settlement amount and upon payment my accounts would be closed. In addition to faxing the letter he requested my debit card information and a photo copy of my driver's license. At the time I was very upset of course about my financial situation, wasn't thinking clearly, faxed all the information and provided this man my debit card information thinking that I really was going to be arrested and being sued. I thought the conversation was legit. He told me that the deal was only good until the next day which was 1/13/12. I told him that the funds would not be available in my account until my next pay day which is 1/20/12 and to forget it because I was just fine paying the 2 companies as I had been. He told me he would call me at 9am on 1/20/12 to make sure it was okay to run the debit card provided through. I hung up with this man while still upset but felt somewhat relieved that I would be done with this mess on 1/20/12 and I was no longer being sued. When I came to my senses I contacted the first loan company myself, advised what happened and of course the company confirmed as I suspected that the entire conversation with Derrick Anderson was a scam! I immediately contacted my bank and closed my debit card. I also contacted the credit bureaus to place a fraud alert on my credit reports. The nerve of these idiots to prey on innocent people who are going through a rough patch due to the economy and attempt to capitalize on a person's misfortune! It’s bad enough to have to result to taking out pay day loans of all things! RIP Off!