National Pacific Debt LLC.


Country United States
State Bangladesh
City Miami

National Pacific Debt LLC. Reviews

Most Useful Comment
  • Sep 23, 2014

Below is the email that was sent given that I had to comply immediately.

I have several other ones that state I am going to be served with an arrest warrant and I will be out in jail and lose my job.

I was just minutes away from going to the bank and getting the money, when a little voice in myh ead said, mmm this just seems like a scam. So I did a search on the internet for this company name and found all these complaints against this company. I was scared to death of these people.

What struck me as odd, was the amount...All the other complaints files were for the $1170, the exact same amount that they were claiming that I owed.

LOAN INFORMATION.

Case File No: 19/7607187-QW.

Company Name:National Pacific debt LLC.

Principal Amount: $300.00.

Penalty & interest Amount: $870.00

Total Due Balance: $1170.00.

Date: Jan 14th 2013.

This is prior notification regarding a case file.

To

(Case file # 19/7607187-QW)

This is all about an internet payday loan which was borrowed by you from the company name National Pacific debt LLC and within the stipulated time period given by the company you have not yet paid back to the company now company wants their money back so that is the reason why company has filed a case against your name.

Our company name is National Pacific debt LLC. which stands for the association of original creditor and Settlement Company.National Pacific debt LLC.is parent Payday Loan Company who owes and operates about more than 350payday loan websites all over the USA.

I have all the proofs with all of your personal details in the affidavit with me. So before it gets downloaded inside the court house with the legal procedures on your name and on your social security number with hampering your credit ratings Just reply me back whether you want to put a hold on this case file and settle it outside the court house with the settlement amount and close it or else you want to take this matter inside the court house with the penalty fees and judge fees and court house fees and you may end up in a legal mess.

What is National Pacific debt LLC ?

National Pacific debt LLC. Stands for the association of original creditor and Settlement Company. National Pacific debt LLC. is parent payday loan companies who owes and operates about more than 350payday loan websites all over the US and you have taken a loan from one of the sub payday loan website from this company. There are so many payday loan websites like Net Loan USA, Fax Free Cash, Cast Net USA, National Payday, Cash Advance expert, Cash Today, and so on. There are so many payday loan websites and you have logged on to one of the sub payday loan websites and funds were used by you, but not yet paid back to the company.

Why we are helping you in this matter?

Information about your External Credit Score used in this evaluation for credit

In addition, we also used a credit score developed by us in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. The credit score below was developed using standard industry methods and was used to evaluate your application. The credit score may differ from the score you obtain from a consumer reporting agency.

Your Credit Score: 360

Date: 01/14/2013

Scores range from a low of 300 to a high of 620.

TOO MANY LOAN APPLY IN LAST 24 MONTHS HAVE BEEN 90 DAYS PAST DUE

NUMBER OF MONTHS SINCE 30 DAYS PAST DUE ON A CREDIT ACCOUNT IS TOO LOW

TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED

NUMBER OF MONTHS SINCE CREDIT ACCOUNT IN COLLECTIONS IS TOO LOW

NUMBER OF INQUIRIES ON CREDIT REPORT

In event of this happening:

You will incur court costs

You will incur further interest charges as per our Terms and Conditions of Trade and

Your details will be passed to major credit reference agencies. They will make adjustments to your credit rating, which will affect your ability to raise credit in the future.

How is my money safe?

Your money is always safe because YOU are the one holding it. You hold onto the money that will be used to fund settlements in your own account. You will be the one making payment directly to the lender when we reach those agreements. It doesn't get any safer. After all, who can you trust more than yourself?

How does this affect my credit?

Ceasing payments to creditors is usually devastating to your credit, but payday lending is unique. Few payday lenders report to the traditional credit reporting agencies. Instead they deal with specialized “subprime” agencies such as Teletrack and DP Bureau. Accordingly, settling payday loans through National Pacific debt LLC. should not affect your FICO™ score. However, you may experience difficulties in obtaining a payday loan in the future . . . assuming you would ever want one.

What's wrong with filing bankruptcy?

Bankruptcy once seemed quick and simple, but with recent changes in Bankruptcy laws, many consumers will not be able to eliminate their debt simply by filing. Most consumers are now required to file plans which require them to pay back a portion of their debt under the supervision of the court. This process may last for years. Bankruptcy should be considered the last remaining option in solving financial problems.

Many people file for bankruptcy each year failing to realize they will be forced to deal with the harsh effects that will plague them for the rest of their lives. One must first be aware that bankruptcy does not fade away after 7-10 years. It simply drops from your credit report. The reality is almost all credit applications ask if you have ever filed bankruptcy, and to answer falsely may be illegal, depending on the type of application. Also, costly court and lawyer fees all accompany the process of filing for bankruptcy. Bankruptcy should be considered the last remaining option in solving financial problems.

If I settle a debt, is the savings considered “income” for tax purposes?

When your creditor settles your debt, a savings of $600 or more off what you owed may be reported by National Pacific debt LLC. to the IRS as Discharge of Indebtedness income. Information on tax ramifications to you personally you may also wish to consult a CPA or Tax Attorney and to refer to the IRS website www.irs.gov IRS Publication 908- “Bankruptcy Tax Guide” and IRS Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness available on the IRS website.

What are the options for you?

There are 2 options for you to take care of this matter,

1. You can take this matter inside the court house with the legal procedures on your name and by paying more than $4000.00 you can be free from the legal charges and legal consequences. Which may hamper your credit ratings and you’re social.

2. You can settle the matter outside the court house with the legal procedures on your name by paying back the settlement amount back to the company without any legal charges.

So now the rest is up to you.

What you want to do with your case file? Whether you want to settle the matter inside the court house with the legal procedures or you want to take care of this matter outside the court house by paying the settlement amount back to the company?

How do I get started right away?

You just Email us, we are more than happy to work out a payment arrangement. A client care specialist will contact you within one business day.

Thanks.

Mark as Useful [1 vote]
  • Sep 15, 2014

Received and email stating : This is to inform you that you are going to be legally prosecuted in the Court House within couple of days. They list my SSN#

Our company name is National Pacific Debt LLC which stands for the association of original creditor and Settlement Company NationalPacific Debt LLC is parent Payday Loan Company who owes and operates about more than 350 payday loan websites all over the USA.

A lawsuit has been filed against you.

If you fail to Make payment then your case file will be submitted inside the FBI Headquarters, this is the final warning make payment as soon as possible I hope you understand how many times this message has been sent to you. We have warned you so many times and you have decided to ignore our e-mails, we have been instructed to get you arrested immediately and today if you fail to respond back to us with the payment then we will close your bank account and jail you and all your properties will be confiscated by the FBI.

These people have scared the life out of me.

  • Sep 9, 2014

SCAM

I have received the same exact e-mail. They have all of my personal information. I have gone and spoken with the law enforcement, judge, and attorney about this. I am not happy. They need to be stopped.

Pathetic

  • Sep 6, 2014

They say I have ignored their emails, and that I have 1 day to pay or I will be taken to court.

I do not owe them are anyone else. I don.t know who they are.

They have my Social Security #

They claim I owe them $1170.00, and if I don't pay by Sept 5. 2014 I will be taken to Court and it will be over $3,000.00.

Louise

Sandwich, Ill.

  • Sep 6, 2014

The emails I've received from this fraud company is exactly that FRAUD! The get all your information. They pulled a credit report on my name, had all my information, my address, my social security number, and name. SCAM SCAM SCAM. Here is a copy & paste email from what I received and I've also flagged the email & changed my personal info.

LOAN INFORMATION:

Company Name: National Pacific Debt LLC.

Due Amount: $1170.00.

Warning Date: 6thSeptember, 2014.

Name: oooooooo

Address: 0000000

MIAMI

State: FL

Zip:

This is to inform you that you are going to be legally prosecuted in the Court House within couple of days. Your S.S.N. (00000000) is put on hold by US Federal Government. Your debt is remaining for $1170.00.

This is the Civil Investigations Unit. We are contacting you in regards to a complaint being filed against you, pursuant to claim and affidavit number D00D-2932, where you have been named a respondent in a court action and must appear… You or your attorney will have 24 to 48 hours to oppose this matter.

(Case file # 15/55446 LN)

Our company name is NationalPacific Debt LLC which stands forthe association of original creditor and Settlement Company NationalPacific Debt LLC is parent Payday Loan Company who owes and operates about more than 350 payday loan websites all over the USA.

A lawsuit has been filed against you.

Within 7 days after service of this summons on you (not counting the day you received it) — or 21 days if you Is the United States or a United States agency, or an officer or employee of the United States described in Fed. R. Civ.

P. 12 (a) (2) or (3) — you must serve on the plaintiff an answer to the attached complaint or a motion under Rule 12 of

The Federal Rules of Civil Procedure. The answer or motion must be served on the plaintiff or plaintiff’s attorney,

Whose name and address are?

If you fail to respond, judgment by default will be entered against you for the relief demanded in the complaint.

COMPLAINT UNDER THE CIVIL RIGHTS ACT, 42 U.S.C. § 1983

1. Civil lawsuit was filed against the debtor in the name of a debt buyer. The underlying debt happened to be an old debt.

2. The Debtor failed to answer the complaint in a timely fashion thus leading to the issuance of a default judgment in favor of the debt buyer.

3. The lawyer for the debt buyer proceeded to use discovery procedures “in aid of execution of the judgment”. These procedures empower the debt collection lawyer to send “interrogatories” to the debtor and to schedule the debtor for a deposition. The purpose of this is to locate any assets which the debtor may have and which may be amenable to execution.

4. The debt collection lawyer noticed the debtor for a deposition. The deposition was of course located at the debt collection lawyer’s office on the opposite side of the state. The debtor attempted to reschedule, but the debt collection lawyer refused.

5. When the debtor failed to attend the deposition, the debt collection lawyer filed two motions with the court, the end result being the Order of Copies warranting the arrest and subsequent incarceration of the debtor.

If you fail to Make payment then your case file will be submitted inside the FBI Headquarters, this is the final warning make payment as soon as possible I hope you understand how many times this message has been sent to you. We have warned you so many times and you have decided to ignore our e-mails, we have been instructed to get you arrested immediately and today if you fail to respond back to us with the payment then we will close your bank account and jail you and all your properties will be confiscated by the FBI.

I have all the proofs with all of your personal details in the loan contract with me. So before it gets downloaded inside the court house with the legal procedures on your name and on your social security number with hampering your credit ratings Just reply me back whether you want to put a hold on this case file and settle it outside the court house with the settlement amount and close it or else you want to take this matter inside the court house with the penalty fees and judge fees and court house fees and you may end up in a legal mess.

Some information used to make this decision was obtained from the consumer reporting agency (agencies) listed below. This consumer reporting agency (agencies) did not make this credit decision. If you want settle your account outside the court house you have pay your dept within next 3 day reporting agency.

The Case file was judgmentally reviewed following reason(s):

Information about your External Credit Score used in this evaluation for credit

In addition, we also used a credit score developed by us in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. The credit score below was developed using standard industry methods and was used to evaluate your application. The credit score may differ from the score you obtain from a consumer reporting agency.

Your Credit Score: 460

Date: 06/14/2013

Scores range from a low of 300 to a high of 620.

TOO MANY LOAN APPLY IN LAST 24 MONTHS HAVE BEEN 90 DAYS PAST DUE NUMBER OF MONTHS SINCE 30 DAYS PAST DUE ON A CREDIT ACCOUNT IS TOO LOW TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED

NUMBER OF MONTHS SINCE CREDIT ACCOUNT IN COLLECTIONS IS TOO LOW NUMBER OF INQUIRIES ON CREDIT REPORT

If you settle this debt, the savings considered “income” for tax purposes.

When your creditor settles your debt, a savings of $600 or more off what you owed may be reported by Debt Settlement Council Inc to the IRS as Discharge of Indebtedness income. Information on tax ramifications to you personally you may also wish to consult a CPA or Tax Attorney and to refer to the IRS website www.irs.govIRS Publication 908- “Bankruptcy Tax Guide” and IRS Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness available on the IRS website.

3 Hard allegations have been pressed against your name and your Social Security Number.

1. Violation of Federal Banking Regulation.

2. Collateral Check Fraud.

3. Theft by Deception.

What you want to do with your case file? Whether you want to settle the matter inside the court house with the legal procedures or you want to take care of this matter outside the court house by paying the settlement amount back to the company?

I just want your intention on this case file that do you want to put a hold on this case file or should I process it inside the court house?

In the event we do not receive full payments from you by required date, we will proceed to commence legal proceedings, as provided to us by the guaranty and will additionally assess you legal fees and costs for such legal proceedings, as provided to us by guaranty

USA RESIDENTS: The USA laws against discrimination require that all creditors make credit equally available to all credit worthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The USA Civil Rights Commission administers compliance with this law.

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