I get one of these at least once a week. Usually write back that they are scumbags from another country. After a few days I get an email back saying that I owe them money again. Write back again and ask for a phone number and a physical address. Their reply back to me is, we are not allowed as your court papers are sealed. NO one contacts you by email only if it's a real loan you are back on. After a while they will go away. Believe me, this is a scam and they are just trying to get money.
I was contacted via email by , see below letter/internet conversation. Not only did I NOT EVER recieve a loan from any company of any dollar amount, but in august I was a victim of a Cash net USA payday loan. On August 11,2014 I was contacted in the middle of a flood in michigan. I was stuck in my BRAND NEW CAR drownding in the waters on the road (I do mean drownding, it was declared a national disaster for Michigan). So alone and being female I had texted a friend and called another they were calling for help for me and my car. Thinking it was a tow company calling me back I answered and it was a forgien speaking gentlemen saying i was approved for 10,000 loan. I stated I did not need a loan and hung up. Recieved another call saying funds were deposited into my PERSONAL checking account, If I could just simply go to a Kroger, Western Union center they would insturct me on how to verify I was me? WHAT??? you want me to do what?? I hung up. calls continued as I declined them. At that point I recieved over 100 phone calls. The following day dealing with my car that was now towed out of the trenches I had forgot all about it. I recieved another now demanding call stating that they deposited money that I had 1 hour to verify it was me or they were going to take the funds back. I demanded to know who they were and told them to stay out of my personal account. Hung up on them and called my bank to report the issue. To which we saw some strange activity but I had to go into a branch. Now Monday morning I did just that. Just a little to late.
Turns out these gentlemen had all my personal info. They accessed my JP Morgan bank account and stole over 2400.00. Evem after a FRAUD alert was placed on the account. The bank has turned this to the Fraud Bureue. I was found not guilty as they called the bank and spoke to agents where this is a females account with NO men authorized.
However during this flood, my car was totaled to which the managed to reverse my personal car insurance payments causeing my car insurance to be in default status. Now costing me my job due to excessive time off of work I am getting a collection demand?? ARE you kidding me.
So you cost me a $22,000 car debt, $2400 of my monies and my job (which I made $42,000 per year). Who are these people and for the love who do you have to contact to help someone else. They have my social security number, address, previous phone number (I have changed it 3 times also costing money), my closed bank account info, mothers maiden name (per JP Morgan).
Hopefully this post goes some where and helps another victim. Because I have learned that nobody really cares. Your credit is ruined, your name slandered, and the harrasment continues. FBI, no results, Police they take your report and then send you a nice letter stating that you have been a victim of ID theft and mail you a brochure on how to report your social security number (hmmm becuase they are still using it, so what good was that?)
On Feb 5, 2015 12:46 PM, "NCIB LLC" wrote:
CUSTOMER ID: 517402168
Case File Number: PH36/69041526K.
Loan Information
Past Due Amount - $973.82
Creditor - N.C.I.B Services.
You are going to be legally prosecuted in the Court House within couple of days. Your Social Security number is put on hold by United States Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and leave us no choice but to protect our interest in this
matter.
Your line of credit is over 60 days past due, but it is not too late to restore your good standing!
We want to serve as your trusted financial resource in the future, but to do that; we'll need to come to an agreement on the past-due balance.
If you believe you are unable afford the payment options we have offered, contact us right away by E-mail and we will do our best to accommodate an amount you can commit to.
• United States Legal Investigation Bureau has stated 4 serious allegations against your name and your social and they are:-
(1) Violation Of Federal Banking Regulation Act 1983 (C)
(2) Collateral Check Fraud
(3) Theft By Deception
(4) And The Most Important One is E.F.T. That is Electronic Fund Transfer
Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed on your name. If we do not hear anything from you within 72 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
• We Have All The Rights Reserved To Inform To FBI, FTC, And Your Current Employer & Bank About Fraudulent Activity
And once you found guilty in the court house than you have to bear the entire cost for this law suit which totals to $13,734.46 which is excluding loan amount, attorney's fees, and the interest charges. You have the right to hire an attorney. If you don't have one, or if you can't afford, then one will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department by replying this notice between 9:30 to 6:30 (EST).
• If You Want To Resolve This Matter, Than Immediately Contact Us Through E-mail Between Working Hours.
NCIB Reviews
spam emails
I get one of these at least once a week. Usually write back that they are scumbags from another country. After a few days I get an email back saying that I owe them money again. Write back again and ask for a phone number and a physical address. Their reply back to me is, we are not allowed as your court papers are sealed. NO one contacts you by email only if it's a real loan you are back on. After a while they will go away. Believe me, this is a scam and they are just trying to get money.
I was contacted via email by, see below letter/internet conversation. Not only did I NOT EVER recieve a loan from any company of any dollar amount, but in august I was a victim of a Cash net USA payday loan. On August 11,2014 I was contacted in the middle of a flood in michigan. I was stuck in my BRAND NEW CAR drownding in the waters on the road (I do mean drownding, it was declared a national disaster for Michigan). So alone and being female I had texted a friend and called another they were calling for help for me and my car. Thinking it was a tow company calling me back I answered and it was a forgien speaking gentlemen saying i was approved for 10,000 loan. I stated I did not need a loan and hung up. Recieved another call saying funds were deposited into my PERSONAL checking account, If I could just simply go to a Kroger, Western Union center they would insturct me on how to verify I was me? WHAT??? you want me to do what?? I hung up. calls continued as I declined them. At that point I recieved over 100 phone calls. The following day dealing with my car that was now towed out of the trenches I had forgot all about it. I recieved another now demanding call stating that they deposited money that I had 1 hour to verify it was me or they were going to take the funds back. I demanded to know who they were and told them to stay out of my personal account. Hung up on them and called my bank to report the issue. To which we saw some strange activity but I had to go into a branch. Now Monday morning I did just that. Just a little to late.
Turns out these gentlemen had all my personal info. They accessed my JP Morgan bank account and stole over 2400.00. Evem after a FRAUD alert was placed on the account. The bank has turned this to the Fraud Bureue. I was found not guilty as they called the bank and spoke to agents where this is a females account with NO men authorized.
However during this flood, my car was totaled to which the managed to reverse my personal car insurance payments causeing my car insurance to be in default status. Now costing me my job due to excessive time off of work I am getting a collection demand?? ARE you kidding me.
So you cost me a $22,000 car debt, $2400 of my monies and my job (which I made $42,000 per year). Who are these people and for the love who do you have to contact to help someone else. They have my social security number, address, previous phone number (I have changed it 3 times also costing money), my closed bank account info, mothers maiden name (per JP Morgan).
Hopefully this post goes some where and helps another victim. Because I have learned that nobody really cares. Your credit is ruined, your name slandered, and the harrasment continues. FBI, no results, Police they take your report and then send you a nice letter stating that you have been a victim of ID theft and mail you a brochure on how to report your social security number (hmmm becuase they are still using it, so what good was that?)
On Feb 5, 2015 12:46 PM, "NCIB LLC" wrote:
CUSTOMER ID: 517402168
Case File Number: PH36/69041526K.
Loan Information
Past Due Amount - $973.82
Creditor - N.C.I.B Services.
You are going to be legally prosecuted in the Court House within couple of days. Your Social Security number is put on hold by United States Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and leave us no choice but to protect our interest in this
matter.
Your line of credit is over 60 days past due, but it is not too late to restore your good standing!
We want to serve as your trusted financial resource in the future, but to do that; we'll need to come to an agreement on the past-due balance.
If you believe you are unable afford the payment options we have offered, contact us right away by E-mail and we will do our best to accommodate an amount you can commit to.
• United States Legal Investigation Bureau has stated 4 serious allegations against your name and your social and they are:-
(1) Violation Of Federal Banking Regulation Act 1983 (C)
(2) Collateral Check Fraud
(3) Theft By Deception
(4) And The Most Important One is E.F.T. That is Electronic Fund Transfer
Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed on your name. If we do not hear anything from you within 72 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
• We Have All The Rights Reserved To Inform To FBI, FTC, And Your Current Employer & Bank About Fraudulent Activity
And once you found guilty in the court house than you have to bear the entire cost for this law suit which totals to $13,734.46 which is excluding loan amount, attorney's fees, and the interest charges. You have the right to hire an attorney. If you don't have one, or if you can't afford, then one will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department by replying this notice between 9:30 to 6:30 (EST).
• If You Want To Resolve This Matter, Than Immediately Contact Us Through E-mail Between Working Hours.