Credit Card Account Collection Scam
Author: candylz1
Guest
Posted: Fri Apr 09, 2004 6:21 pm
Post subject: Scammed!!!!
After just pulling these emails of scams from that Lenahan Law Office, I feel really sick to my stomach and stupid at the same time!!! About a week ago, my best friend was being hounded by man who presented himself as an attorney and that said she owed $898.62. In order to clear it up, he needed to have her send in money as soon as possible. They told her she could do payments by check by phone and since she didn't have a checking account, she had asked if I could do it for her. I called and had asked to move the date up because there wouldn't be any funds available that day set up, so another gentleman said he would be able to help because so and so wasn't available. Now, another phone call occurred and I then spoke to a Michael Beasely (x5155) and said that he was offering a settlement (lower than what was offered from $898.62 to $763.5, but I told him we already had a done a check by phone earlier in the week, but he told me that they had no record of the check number or confirmation # that was given to them and given to me (which sounded funny, duh), why wouldn't they have any of those records is what I questioned them. Anyways, he confirmed by saying some mumbo-jumbo of legal things that in order to have it at that amount, that I can do 1 of 2 things: either make 1 payment in the full amount or 2 payment (1/2) w/2 separate checks, but he needed to have that information that day to process that paperwork (sounds like a familar story??) I did, and asked him about what would happen to my other check and he says that someone had taken his account and that if they tried to deposit that check, it would not go through and I told him that it will be on him and the company if it did, and guaranteed me that it wouldn't. I am so upset that I had to close my account and open a new one insisting that there might be fraud activity going on because the original check for $898.62 tried to clear my account, but luckily, it wasn't available. Is there any way to retrieve all the fees that my bank assessed me like NSF, and stop payment charges from this so-called firm? Please help or direct me to someplace where I can report this?
Thanks!
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Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 487
Location: Midwest
Posted: Fri Apr 09, 2004 7:11 pm
You can dispute the attempted withdrawal with the bank since you withdrew authorization for the "check" and was told no withdrawal would be attempted. You have 60 days to file a dispute. I think it's called an R-9 or R-12 form. Perhaps, the bank will refund the fees if you say it wasn't authorized. However, many banks will fight you on this. Stay composed and insist on disputing it in writing. Report the lawyer/collection agency to the state attorney general and perhaps the state bar association. A good site for reporting scams and dealing with unauthorized withdrawals from checking accts. is:
eyeoncredit.com/warnings/index.html
Do a search for "Lenahan" on this board (cardratings) and at
creditinsiders.com
I know I've seen long discussions about Lenahan Law Office somewhere. Or google it and you may come across more info.
Verne
Any agreement that can be changed at any time, for any reason, is no agreement at all.
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Author: nativechild48
Credit Expert (100+ Posts)
Joined: 10 Nov 2003
Posts: 315
Posted: Fri Apr 09, 2004 10:43 pm
Go to budhibbs.com and read what he has to say about this so-called law office and file a report with the FTC and your atty. general office!!
Good Luck!
native
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Author: meto
Credit Expert (100+ Posts)
Joined: 21 Mar 2004
Posts: 209
Posted: Sun Apr 11, 2004 7:15 pm
Post subject: Re: Scammed!!!!
Lesson learned -Never give out your banking information .
candylz1 wrote:
After just pulling these emails of scams from that Lenahan Law Office, I feel really sick to my stomach and stupid at the same time!!! About a week ago, my best friend was being hounded by man who presented himself as an attorney and that said she owed $898.62. In order to clear it up, he needed to have her send in money as soon as possible. They told her she could do payments by check by phone and since she didn't have a checking account, she had asked if I could do it for her. I called and had asked to move the date up because there wouldn't be any funds available that day set up, so another gentleman said he would be able to help because so and so wasn't available. Now, another phone call occurred and I then spoke to a Michael Beasely (x5155) and said that he was offering a settlement (lower than what was offered from $898.62 to $763.5, but I told him we already had a done a check by phone earlier in the week, but he told me that they had no record of the check number or confirmation # that was given to them and given to me (which sounded funny, duh), why wouldn't they have any of those records is what I questioned them. Anyways, he confirmed by saying some mumbo-jumbo of legal things that in order to have it at that amount, that I can do 1 of 2 things: either make 1 payment in the full amount or 2 payment (1/2) w/2 separate checks, but he needed to have that information that day to process that paperwork (sounds like a familar story??) I did, and asked him about what would happen to my other check and he says that someone had taken his account and that if they tried to deposit that check, it would not go through and I told him that it will be on him and the company if it did, and guaranteed me that it wouldn't. I am so upset that I had to close my account and open a new one insisting that there might be fraud activity going on because the original check for $898.62 tried to clear my account, but luckily, it wasn't available. Is there any way to retrieve all the fees that my bank assessed me like NSF, and stop payment charges from this so-called firm? Please help or direct me to someplace where I can report this? Thanks!
me
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Author: Guest
Posted: Wed May 12, 2004 2:20 pm
I am conducting an investigation for local Buffalo news organizations. I have someone interested in interviewing people who were harasssed by Lenanhan Law Office to present on local televison. My email is blocollectwatchdog@yahoo.com. Buffalo reporters want to crack down on Lenahan, but most the victims are from out of town.
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Author: met
oCredit Expert (100+ Posts)
Joined: 21 Mar 2004
Posts: 209
Posted: Wed May 12, 2004 6:25 pm
Post subject: Re: Scammed!!!!
since she didn't have a checking account, she had asked if I could do it for her.
candylz1
= This is a double mistake
1*Never pay someone else's bills as this can obligate you to pay the account.
2*Never give a CA your banking info or pay a ca with a personal check.
candylz1 wrote:
After just pulling these emails of scams from that Lenahan Law Office, I feel really sick to my stomach and stupid at the same time!!! About a week ago, my best friend was being hounded by man who presented himself as an attorney and that said she owed $898.62. In order to clear it up, he needed to have her send in money as soon as possible. They told her she could do payments by check by phone and since she didn't have a checking account, she had asked if I could do it for her. I called and had asked to move the date up because there wouldn't be any funds available that day set up, so another gentleman said he would be able to help because so and so wasn't available. Now, another phone call occurred and I then spoke to a Michael Beasely (x5155) and said that he was offering a settlement (lower than what was offered from $898.62 to $763.5, but I told him we already had a done a check by phone earlier in the week, but he told me that they had no record of the check number or confirmation # that was given to them and given to me (which sounded funny, duh), why wouldn't they have any of those records is what I questioned them. Anyways, he confirmed by saying some mumbo-jumbo of legal things that in order to have it at that amount, that I can do 1 of 2 things: either make 1 payment in the full amount or 2 payment (1/2) w/2 separate checks, but he needed to have that information that day to process that paperwork (sounds like a familar story??) I did, and asked him about what would happen to my other check and he says that someone had taken his account and that if they tried to deposit that check, it would not go through and I told him that it will be on him and the company if it did, and guaranteed me that it wouldn't. I am so upset that I had to close my account and open a new one insisting that there might be fraud activity going on because the original check for $898.62 tried to clear my account, but luckily, it wasn't available. Is there any way to retrieve all the fees that my bank assessed me like NSF, and stop payment charges from this so-called firm? Please help or direct me to someplace where I can report this? Thanks!
me
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Author: theresasix
Joined: 14 Nov 2003
Posts: 40
Posted: Wed May 12, 2004 11:04 pm
You are pretty much in the mercy of the Branch Manager, Loan Officer, Banker, or whoever else it may be that you speak with. Generally a bank does not technically have a black and white policy regarding refunds. It depends on the particular employee of the branch to decide if he/she wants wants the amount of your refund (if granted) to possibly go against their cost center. To ensure that this "loss", that may be taken by the branch is legitimate, you better believe that they will contact the CA regarding the matter. I have had situations where a customer will claim the victim from a creditor until he/she is blue in the face! You should see their expression when I tell them that I have listened to a tape that the creditor or CA has recorded with their voice on it allowing them to take a payment for ..... amount from their ..... account and the account number is ##### and I won't refund one dime to them because they lied and said "I have no idea who that is", "I never gave permission for..." well, you get the picture. In other words, be careful, but be completely honest with the bank. Don't claim "I didn't give authorization"..."I have no record of speaking with them", etc... Just be concerned and let them know that although you first thought it was a legitimate company, you believed it was in fact a scam and want to protect yourself from fraud. You should be asked to fill out an affidavit which will be researched by the appropriate fraud department and could take weeks to complete. Since they didn't actually receive the money you won't have to worry about provisional credit and all that. However you will want to make sure (if this is a legit company) that they won't tag your friend with broken promise to pay...etc...and then charge additional fees. Point blank a refund is a refund no matter what the situation is and will always go against the branch that did it. So, if you know someone, or have had a good history with a particular branch....by all means go to that one instead of calling some 800 number where no one gives a damn about you. Any reputable institution should try to protect it's customers for cases like this. Good Luck and definitely report this company about either their fraudulant practices...or their imposters. Thanks.
View our latest credit card ratings!
Guest
Posted: Fri Apr 09, 2004 6:21 pm
Post subject: Scammed!!!!
After just pulling these emails of scams from that Lenahan Law Office, I feel really sick to my stomach and stupid at the same time!!! About a week ago, my best friend was being hounded by man who presented himself as an attorney and that said she owed $898.62. In order to clear it up, he needed to have her send in money as soon as possible. They told her she could do payments by check by phone and since she didn't have a checking account, she had asked if I could do it for her. I called and had asked to move the date up because there wouldn't be any funds available that day set up, so another gentleman said he would be able to help because so and so wasn't available. Now, another phone call occurred and I then spoke to a Michael Beasely (x5155) and said that he was offering a settlement (lower than what was offered from $898.62 to $763.5, but I told him we already had a done a check by phone earlier in the week, but he told me that they had no record of the check number or confirmation # that was given to them and given to me (which sounded funny, duh), why wouldn't they have any of those records is what I questioned them. Anyways, he confirmed by saying some mumbo-jumbo of legal things that in order to have it at that amount, that I can do 1 of 2 things: either make 1 payment in the full amount or 2 payment (1/2) w/2 separate checks, but he needed to have that information that day to process that paperwork (sounds like a familar story??) I did, and asked him about what would happen to my other check and he says that someone had taken his account and that if they tried to deposit that check, it would not go through and I told him that it will be on him and the company if it did, and guaranteed me that it wouldn't. I am so upset that I had to close my account and open a new one insisting that there might be fraud activity going on because the original check for $898.62 tried to clear my account, but luckily, it wasn't available. Is there any way to retrieve all the fees that my bank assessed me like NSF, and stop payment charges from this so-called firm? Please help or direct me to someplace where I can report this?
Thanks!
View our latest credit card ratings!
Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 487
Location: Midwest
Posted: Fri Apr 09, 2004 7:11 pm
You can dispute the attempted withdrawal with the bank since you withdrew authorization for the "check" and was told no withdrawal would be attempted. You have 60 days to file a dispute. I think it's called an R-9 or R-12 form. Perhaps, the bank will refund the fees if you say it wasn't authorized. However, many banks will fight you on this. Stay composed and insist on disputing it in writing. Report the lawyer/collection agency to the state attorney general and perhaps the state bar association. A good site for reporting scams and dealing with unauthorized withdrawals from checking accts. is:
eyeoncredit.com/warnings/index.html
Do a search for "Lenahan" on this board (cardratings) and at
creditinsiders.com
I know I've seen long discussions about Lenahan Law Office somewhere. Or google it and you may come across more info.
Verne
Any agreement that can be changed at any time, for any reason, is no agreement at all.
View our latest credit card ratings!
Author: nativechild48
Credit Expert (100+ Posts)
Joined: 10 Nov 2003
Posts: 315
Posted: Fri Apr 09, 2004 10:43 pm
Go to budhibbs.com and read what he has to say about this so-called law office and file a report with the FTC and your atty. general office!!
Good Luck!
native
View our latest credit card ratings!
Author: meto
Credit Expert (100+ Posts)
Joined: 21 Mar 2004
Posts: 209
Posted: Sun Apr 11, 2004 7:15 pm
Post subject: Re: Scammed!!!!
Lesson learned -Never give out your banking information .
candylz1 wrote:
After just pulling these emails of scams from that Lenahan Law Office, I feel really sick to my stomach and stupid at the same time!!! About a week ago, my best friend was being hounded by man who presented himself as an attorney and that said she owed $898.62. In order to clear it up, he needed to have her send in money as soon as possible. They told her she could do payments by check by phone and since she didn't have a checking account, she had asked if I could do it for her. I called and had asked to move the date up because there wouldn't be any funds available that day set up, so another gentleman said he would be able to help because so and so wasn't available. Now, another phone call occurred and I then spoke to a Michael Beasely (x5155) and said that he was offering a settlement (lower than what was offered from $898.62 to $763.5, but I told him we already had a done a check by phone earlier in the week, but he told me that they had no record of the check number or confirmation # that was given to them and given to me (which sounded funny, duh), why wouldn't they have any of those records is what I questioned them. Anyways, he confirmed by saying some mumbo-jumbo of legal things that in order to have it at that amount, that I can do 1 of 2 things: either make 1 payment in the full amount or 2 payment (1/2) w/2 separate checks, but he needed to have that information that day to process that paperwork (sounds like a familar story??) I did, and asked him about what would happen to my other check and he says that someone had taken his account and that if they tried to deposit that check, it would not go through and I told him that it will be on him and the company if it did, and guaranteed me that it wouldn't. I am so upset that I had to close my account and open a new one insisting that there might be fraud activity going on because the original check for $898.62 tried to clear my account, but luckily, it wasn't available. Is there any way to retrieve all the fees that my bank assessed me like NSF, and stop payment charges from this so-called firm? Please help or direct me to someplace where I can report this? Thanks!
me
View our latest credit card ratings!
Author: Guest
Posted: Wed May 12, 2004 2:20 pm
I am conducting an investigation for local Buffalo news organizations. I have someone interested in interviewing people who were harasssed by Lenanhan Law Office to present on local televison. My email is blocollectwatchdog@yahoo.com. Buffalo reporters want to crack down on Lenahan, but most the victims are from out of town.
View our latest credit card ratings!
Author: met
oCredit Expert (100+ Posts)
Joined: 21 Mar 2004
Posts: 209
Posted: Wed May 12, 2004 6:25 pm
Post subject: Re: Scammed!!!!
since she didn't have a checking account, she had asked if I could do it for her.
candylz1
= This is a double mistake
1*Never pay someone else's bills as this can obligate you to pay the account.
2*Never give a CA your banking info or pay a ca with a personal check.
candylz1 wrote:
After just pulling these emails of scams from that Lenahan Law Office, I feel really sick to my stomach and stupid at the same time!!! About a week ago, my best friend was being hounded by man who presented himself as an attorney and that said she owed $898.62. In order to clear it up, he needed to have her send in money as soon as possible. They told her she could do payments by check by phone and since she didn't have a checking account, she had asked if I could do it for her. I called and had asked to move the date up because there wouldn't be any funds available that day set up, so another gentleman said he would be able to help because so and so wasn't available. Now, another phone call occurred and I then spoke to a Michael Beasely (x5155) and said that he was offering a settlement (lower than what was offered from $898.62 to $763.5, but I told him we already had a done a check by phone earlier in the week, but he told me that they had no record of the check number or confirmation # that was given to them and given to me (which sounded funny, duh), why wouldn't they have any of those records is what I questioned them. Anyways, he confirmed by saying some mumbo-jumbo of legal things that in order to have it at that amount, that I can do 1 of 2 things: either make 1 payment in the full amount or 2 payment (1/2) w/2 separate checks, but he needed to have that information that day to process that paperwork (sounds like a familar story??) I did, and asked him about what would happen to my other check and he says that someone had taken his account and that if they tried to deposit that check, it would not go through and I told him that it will be on him and the company if it did, and guaranteed me that it wouldn't. I am so upset that I had to close my account and open a new one insisting that there might be fraud activity going on because the original check for $898.62 tried to clear my account, but luckily, it wasn't available. Is there any way to retrieve all the fees that my bank assessed me like NSF, and stop payment charges from this so-called firm? Please help or direct me to someplace where I can report this? Thanks!
me
View our latest credit card ratings!
Author: theresasix
Joined: 14 Nov 2003
Posts: 40
Posted: Wed May 12, 2004 11:04 pm
You are pretty much in the mercy of the Branch Manager, Loan Officer, Banker, or whoever else it may be that you speak with. Generally a bank does not technically have a black and white policy regarding refunds. It depends on the particular employee of the branch to decide if he/she wants wants the amount of your refund (if granted) to possibly go against their cost center. To ensure that this "loss", that may be taken by the branch is legitimate, you better believe that they will contact the CA regarding the matter. I have had situations where a customer will claim the victim from a creditor until he/she is blue in the face! You should see their expression when I tell them that I have listened to a tape that the creditor or CA has recorded with their voice on it allowing them to take a payment for ..... amount from their ..... account and the account number is ##### and I won't refund one dime to them because they lied and said "I have no idea who that is", "I never gave permission for..." well, you get the picture. In other words, be careful, but be completely honest with the bank. Don't claim "I didn't give authorization"..."I have no record of speaking with them", etc... Just be concerned and let them know that although you first thought it was a legitimate company, you believed it was in fact a scam and want to protect yourself from fraud. You should be asked to fill out an affidavit which will be researched by the appropriate fraud department and could take weeks to complete. Since they didn't actually receive the money you won't have to worry about provisional credit and all that. However you will want to make sure (if this is a legit company) that they won't tag your friend with broken promise to pay...etc...and then charge additional fees. Point blank a refund is a refund no matter what the situation is and will always go against the branch that did it. So, if you know someone, or have had a good history with a particular branch....by all means go to that one instead of calling some 800 number where no one gives a damn about you. Any reputable institution should try to protect it's customers for cases like this. Good Luck and definitely report this company about either their fraudulant practices...or their imposters. Thanks.
View our latest credit card ratings!
posted by CardRatings.com at 11:24 AM
1 Comments:
Pompey is attempting to extort money from me and I'm not giving in. The debt he is attempting to collect is very old, the statute of limitations ran out five years ago. If they do file a suit all I have to do is state in my response I want the case dismissed on the grounds the statute of limitations ran out and the date of last activity on this account.
You should keep a few things in mind when you have to deal with low lifes like these people.
1. Having debts DOES NOT MAKE YOU A BAD PERSON!
2. You Have Rights that NO ONE CAN TAKE AWAY FROM YOU ! However, you can give up those rights. If you receive a court summons, ANSWER IT!
3. The People who work for Lenahan are Parasites of society. They have NO AUTHORITY. Do NOT Let Them BULLY YOU!
4. Do NOT loose your composure, please remain calm. Over time you will learn that their threats are empty.
5. Keep notes of everything they say when they call.
6. Send tham a letter, certified & return receipt, requesting "Proof of the Debt" and tell them in the letter not to call you, the ONLY acceptable method of contacting you is by mail.
7. Contact an attorney.
I will be posting more as the information comes available.
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