National Check Processing

They told me that I owed legal fees and they threatened me that I will go to jail and that legal action will be taken. They also said that they would contact my employer and that I could be fired. They also contacted two 3rd party in-laws, gave them my case number, and discussed the reason. My case number is **. I was contacted again this morning at work and they told me that they were proceeding with the case.

I informed them that Kansas State does no count this as a criminal offense and it is against the law without my consent to disclose any of my personal information with my employer or third parties. Also, the fees that they have added were void because in Kansas a payday check can only be presented for payment once. They threatened me with criminal action again and even laughed at me and said good luck.

Well I had my supervisor call me into her office said I had a phone call. So this guy David Baker, is on the line ask if ok to speak on speaker I said sure and my manager is still in room w/me as a witness since he was talking to her about an attorney. Anyway, so this guy is threatning to sue me and arrest me for fraud about a payday loan i took out last year. First of all I never took out a Payday loan on 05/27/10. I did take out a payday loan many years ago and my fault I didnt pay it back, but i know for a fact I never took out a payday loan in May 2010. Second, the account they said the money was deposited into, has been closed for over 3 years now maybe even more. He told me I needed to call him back by 1pm today or he will proceed w/legal action and that I should get an attorney. So I called Preferred Legal Services which I love so much because they have helped me out a few times and I have gotten results. Told them about my call, they told me dont worry about i cannot be arrested for not paying.

I called back and informed David I have an attorney and when I proceeded to ask for written documentation he told me to have my lawyer call him and hung up on me. I am so glad I looked up this company and found complaints about them before they got any of my money. If I owed them that money why they dont send me a letter just like very other collection agency. I have had collection agency call me but never this bad, to go so far as threatning me with arrest. This company really needs to be investigated and Shut down !! They are taking advantage of people . I know ive made a few mistake when it comes to paying bills, but they have no right to be doing this to people.

Luckily all our calls are being recorded so my supervisor saved the call for me just in case. I wonder if they can get sued on behalf of all of us that have been taken advantage of by this company?I wonder how much they get paid to do this. I would rather work at a fast food place then work for them no matter how much I would get paid. I hope they get caught and shut down.

My uncle called me and was very concerned because a woman called his home and left a message for me stating that I was a person of interest in a criminal case against me and that it was urgent that I return her call.

First of all, I do not reside with my uncle and I feel this company had no right to leave a message for me there. When I called the number back, a person by the name of "Lisa" answered and I told her I was returning a call and that I didn't appreciate them calling and leaving such a message on my uncle's answering machine. She asked for my name and put me on hold for a long time. When she returned, she said that I was being investigated and would be prosecuted if I didn't pay them $476 for a payday loan that I defaulted on years ago at Ace Cash express. She said that she saw that I had no prior warrants or arrests and that it was a courtesy call to let me know that I had until 10 a.m. the following morning to pay them the full amount or else they would process an affidavit and I would be arrested.

She said that I would be facing two felony counts. She used the terms "malicious intent to defraud a money institution" and for "writing worthless checks". I argued with her that I did no such thing and she said that there was surveillance video and a thumb print on a check. I argued that it was a payday loan that I couldn't pay back at the time and was going to take care of it as soon as I could but I never intended to defraud anybody. She became very rude and insulting and told me that it didn't matter. It wasn't being looked at as a payday loan at this time, and I had to pay the money or else. She accused me again of fraud and said that I shouldn't have been going around writing worthless checks.

I said I would like to contact a lawyer and she became very angry. She told me that I better go get a MoneyGram of the full amount and call with the confirmation number or else. Then a man came on and started screaming at me. He said that he wasn't going to sit and listen to some thief argue with his agent and threatened that he was going to take the paperwork upstairs to be processed and that I would be arrested. He asked me in a very threatening manner if I was going to pay it or not and I said I was going to talk to my lawyer and he laughed at me and said, "Yeah right, like you are really going to get a hold of a lawyer at 6 p.m." I responded that my lawyer is a friend. And he said rudely, "Oh right, you have a friend for a lawyer. Why don't you tell him that you wrote worthless checks?" I told him that he had no right and he screamed, "Well, I hope he's a criminal defense lawyer because you're going to need it **," and hung up the phone.

I called back very angry and the lady answered again and I asked for that man's name. She told me his name was Jim ** and he was the manager. I told her that he can't be going around talking to people like that and that I would call the BBB. He got back on the phone and yelled, "Well maybe I should call your family and tell them that you are a criminal," and that he would find out where I worked and threatened to inform my boss and coworkers that I was being prosecuted for felony fraud so I would lose my job and that if I had any children, that he would report me to child services. He said, "** you, I'm processing the paperwork to have your ** arrested. Good luck," and he hung up on me again.

My grandmother, sister, and mother all heard the entire conversation and were utterly shocked how that man spoke to me.

On January 3,2011, I received a call from Regina ** stating there was a legal matter being processed against me and I am the person of interest. I returned her call to find out what this was all about. She told me I had a Payday Loan from My Cash Now and if I did not come up with $1,054.17 in two hours, I would be located by "Mr. **", a private attorney and I would be arrested. She said it was a federal fraud on my part. Several times, she told me I was going to be arrested and I can plea my case to a judge. She even told me if I could not pay, that I don't let them catch me driving or I will be apprehended by local authorities. I, of course, freaked out, borrowed the money and paid $500 of it. This is now day three and they are still wanting more money, I called and spoke to Kim, the one who processed my payment, and told her it is against the law to threaten with arrest over a payday loan. She then declined ever stating that she had told me this but I do have all my calls recorded and will be taking legal actions against them. I also stated I wanted a conformation number for the payment I made yesterday. She said it was emailed to me but it was not. I requested my $500 back and stated I will take it up in court when the time comes, she said she will see what she can do.

Warning to anyone, after speaking to two lawyers, I found out that what they are doing is against the law and the worse that can happen is you will be asked to appear in court and plea your case and a judgment will be filed against you. I also told her this and she agreed. Their number is **. Warning to anyone, they are trying to scare you with jail time but it is against all practices to do so. Record your calls if at all possible!

This morning, I got a phone call from one Madison L. stating that I had until 1:00 to pay $1800.00 or her company would file an order to locate, and have me arrested for check fraud. When asked for pertinent information about attorney's names, company filing against me, and other such information, the reply was, "I don't understand what you are asking, but I will give you the moneygram information so you can avoid being arrested." I then asked what state agency was involved, who the judge was etc. She got irate and said we have to file the order first and I told her to call back with that information. I was then sent to a supervisor who said I could pay $756.00 and I would avoid the locate order from Lee county.

I called Lee county and they said that this was a scam. I could not be arrested for non-payment of a debt, unless papers from a legitimate attorney come in the mail first and have had contact with a legit attorney since they will more than likely settled without the court. Avoid this scam; this is the first contact I have had with these people. They will get your information and try to get your money through a legit debt collector which they are not.

These people added huge amounts of stress one week before Christmas. I just got a new job, after being out of work for almost two years and this scam comes along and they tell me I'm going to be arrested. All I was thinking of was there goes my job, my families, Christmas, and they need to be stopped.

Received a call from Amber W stating that i owed on a payday loan and needed to pay 537.55 within 2 hours or she would file the alfivdavid with the court for my county and i would be charged with check fraud. i havent first off sent or written a check in about 10 years so i do not see how check fraud is even possible. Got transfered to a supervisor Brian T who could only yell at me and stated numerous times that he does not work for me and that i need to "do the right thing" and pay. I stated i would like proof that your company is legit and than i would have no problem paying. He refused stating that he did not have to give me that until i paid! I had a few managers at my job listen to the call and they all agree this is a scam. He ended up hanging up on me! Great customer service! I reported to BBB and here. So far i havent been arrested as i was told they would do.

I rreceived a phone message saying I was being investigated, but didn't say for what. I called the number back and all michelle told me was she was calling about a loan that was deposited in my bank account. I asked from what company, she said from CMG payday loan. I do not recall ever getting a loan from this company. I received loans before, but they sold my information to other companies and someone started taken money out of my account. I had to close my accounts. I called the number ont he website and the number is not CMG is is ESL.

I will never apply for an online loan anymore. they are a bunch of ripoffs. And they sell your information to other online lenders. No very reliable, I believe there is only one online lender, and it is one in the same. I have complained about other companies calling me, but I have heard nothing.

I had to close my bank account twice, I had receive a letter once saying that I had a credit on my checking account when I had already closed that account. It looked like an authentic letter from my bank, so I called them up and asked why they opened an account for me. They said they didn't so the bank watch my old accounts to see if any transactions may occur. I had to pay the overdraft fees, and other fees the bank charged.

At approximately 11:38 am, I received a call from Investigator B. claiming that my husband was getting ready to be arrested, detained for check fraud, theft by deception, and he wanted to know if he was at work. I told him no, that my husband was in the hospital getting ready to have surgery in the morning and asked him what was going on. He said there had been charges filed and my husband would be arrested unless I sent Investigator B. $437.50 by MoneyGram in the next 30 minutes.

He also asked if there was a child in the home. I said yes and he said that he would have to call child protection services if I didn't pay. I went to Walmart and sent the money. When I got back to work, I called my husband and asked him what that was about. He said he had no idea and I should call the police. I did so and they said they don't do that sort of thing and I had been scammed and should file a report. Since I am at work, I decided not to file a report because they would have to come out here and I didn't want that. I found this Web site and decided to make a complaint. I will now not be able to pay my electric or water bill.

I received a call from Madison L, stating that I owed her company $1,000 in 2 hours and if I don't pay it, they would come after me and arrest me. I found it odd that I owed them this money. As I never received in the mail, from this company. However, I managed to pay them $480 via MoneyGram. I owe them another $480 this week but don't have the means to pay it and after reading other stories tonight. I don't think I am going to send the money. It sounds like they are scamming us. How can companies get away with this?

Like everyone else, they are calling me and harassing me at work. They want money always within 2 hours. Today, Kelly told me that Orange Co came to my work to process me and I was not there. Since I was not there, they are going to try to work with me again. They want $738 in the 2 hours. They told me it was from a loan with Mesa Financial. I contacted Mesa Financial today and all he said was don't pay them without paperwork prior to sending them any money. I have filed a complaint with Money Gram, BBB and States Atty. Depart of Finance. The all tell me the same thing. They will look into it. It obviously is not getting taken serious enough. I am tired of being harassed. I have asked repeated times for proof of owing this money and they will not provide me this until I make the 1st payment.

They called my husband's job and friends and almost got my husband fired. They said it was a federal investigation. It took 5 messages for them to actually call us on the home phone when I told her that she could not call his job and all she could legally do is put a judgement. She hung up on me. I called back, got in two words. She hung up again. My husband called her. He started to speak and when he said not to call his job, she hung up again. He called back, asked for a supervisor and got some man who told him that he needed 300 dollars by 2 pm or legal action would be taken. My husband said "You can only put a judgement against me and if you are willing to make reasonable payment arrangements," that he has no problem paying them the guy said "well we do not have a payment plan so I am going to write a statement saying that you refuse pay us" and hung up.

I reported to the Federal Consumer agency and contacted my lawyer and I am also calling the BBB of Florida to report them. Unfortunately for them, I worked for a company who did their own debt collection and I know what they can can not do plus they throw the word federal around unless you bounce several checks. Real checks in the amount of 1500 is not federal or if there is actual merchandise that fair market value is 1500, it is not federal or criminal. Since they deal with payday loans, all it is is an unpaid bill and since it's done over the internet, they can not prove it was you and not someone who got hold of your info. So if they call you, do not let them bully you. They can only pit a judgement on your credit and if they threaten you or say they are going to arrest you or say it is a federal investigation report them because they are breaking the fair debt collection laws and if they call friends or family and ask them anything other than your phone number or address they are breaking the rules and they cannot call you more than 3 times a day or it is harassment.

I received a call on 3/22/10 from Kelly C. first asking for the address of the company and then a manager's name. When I tried to find out more so I could direct her to the right manager, I found out she was from NCP claiming to represent Sandpoint (a PDL). I told her this was already being worked on and an agreement had been reached. She stated they don't work with this company and that Sandpoint had turned it over to their company to have me prosecuted. I had until noon to send by money gram $783. She would not give me the info for the money gram until I got to Wal-Mart (I was to call her from there).

Kelly threatened my job, jail time, just like I have read about from other people. Unfortunately the PDL consolidation company I am working with is on the west coast and I am on the east coast. She had me extremely upset and told me not to have the company call her. Turns out after checking into this further she doesn't even represent Sandpoint! It resulted to loss of money, mental anguish, nervous breakdown, panic attack. Personal affairs are now out in the office. This is the second time she called. First time she got a co-worker and told them I had committed internet fraud and was going to be arrested. I do want legal assistance in this matter. I am dealing with enough issues in my life that this has just pushed me too far.

This is the second complaint now that I have had to file. NCP, National Check Processing, has now been calling my employment every single day practically and claiming that I'm currently under investigation. Today, 2-26-2010, their supervisor spoke with me and told that I had till 8PM to wire my payment for payoff of my payday loans or I will be located for immediate prosecution. This is now affecting my job and my co-workers now know my business and it's getting embarrassing. This harassment needs to stop once and for all. I have filed complaints with the Consumer Affairs department and nothing seems to be getting through to these people and now, they're threatening immediate prosecution for internet fraud. They have been told that I am with PDL assistance and that they are consolidating these loans but they do not listen and they don't deal with them. I have tried to seek legal advice at the moment.

I got a call from a Cynthia and a Laverine and they told me they were private investigators and they have been following my brother and he was in serious trouble & he needed to contact them asap. My brother called them and then he calls me back and tells me he needs $537 by 5 pm or he would be arrested and held for 30 days without bond. We loaned him the money and they promised to mail all the paper work that his bill was paid in full and we have received nothing. And both numbers that they had when they called me have been disconnected. I have filed a complaint with my local police department and contacted the BBB.

Mr. B. somehow got my work number, called me and said he needed to talk with me about a pending legal matter and I was to call him back today or "good luck" he said. He did not identify his company. I found it through the phone number he left. Now I am not sure what this is in reference to but I have had some issues with some payday loans I am trying to settle and last week, I received a similar call, however, I could not identify that phone number other than it was a landline in New York but same message about a pending legal matter and I better call them back that day or "good luck".

I will make sure not to return his calls, as I know some of my legal rights, and he has to identify himself and where he is from before he can take any action. I just wanted to register this complaint against this company as from what I have found this is a common practice and I know it is not a legal one. Thank you. Trying to intimidate someone at their workplace I know is illegal and really unnerved me. I hope he cannot cause any legal action and I know he cannot come and have me arrested but still makes me very uneasy.

I received a call from NCP about a payday loan. I filed bankruptcy. I was told that I am still liable for the money. Bankruptcy was discharged one year ago.

Mr. B called me at work today to inform me that a payday loan I took out over a year ago was turned over to him and that he was trying to get payment before the paperwork would be turned over to legal authorities. He said he needed full payment today to stop the paperwork from being processed. When I informed him that wasn't possible, he then said he would take half today by Money Gram and that I had 2 hours to do this. I told him that I thought this had been paid back being that I haven't heard from them in over a year. He said it wasn't and then tried to tell me something about a law that was passed last year where the lenders did not have to communicate with me at all and that they could just file paperwork against me.

He said that after reviewing my background that this didn't seem to be typical for me and that he was trying to work it out so that I didn't get into legal trouble. I told him I would have to see what I could do. In trying to find out more info, I came upon this site with a complain already on file against them on your site. I need assistance and would like to know what my rights are and what law he is referring to because that can't be right.

Apparently, this gentleman called me from NCP and claimed that my Payday loans had been turned over legally to his department. According to him, the accounts (2 of them) totaled $1362.00, and were going into legal action pertaining to check fraud and Internet fraud. The man was very abrupt in using a credit card for Western Union and sending this $1300 that day or I would possibly be arrested. Now according to the federal trade of Florida, they said I can't be charged with such a issue because there just Payday loans, and I have been with PDL Assistance since June of 2009 trying to consolidate these loans.

What I need to know is what is my right in this matter, and can these loans be turned over to PDL Assistance mandatory since I did take steps to settle these loans. This incident happened on 1/27/2010 and is still continuing and now I'm trying to attain an attorney for console. If you can please contact me ASAP. Thank you.