Legal Enforcement Procedures Inc Complaint - Legal Enforcement Procedures Inc

Review by Jolie on 2006-11-28
I'm in California and I took out a loan with a local company called A1 Check Cashing. I closed my bank account and tried to make payment arrangements and they refused. They demanded payment in full. I could not do that. The loan was for $300 and they charged a $15 return check fee. Then we find out it was sent for collection to Legal enforcement procedures.

Now I've been getting calls from Legal Enforcement Procedures and spoke with Diane. She said that they will not send debt validation because they've already sent it. She said "Your bank notified you, A1 notified you, and we've notified you. We don't need to do it again". I asked what address they sent these letters to and she gave me my home address which we do not receive mail at. Almost no one in our county receives rural mail. It must be delivered to a post office box. I informed her of this and she refused again then put me on hold.

When she came back I asked for a breakdown of the debt and she said "you only owe $315" I said "Okay. You just said it was $401.39" she replied "Yes that's correct because we're adding our fees to the balance. It's a bad check." I told her that the payday loan company knew it was a bad check so why are they sending it to collection? She said "Because they can. It's a BAD CHECK and we will sue you in small claims if you don't pay it!"

I asked for validation again and she refused to provide it and then said "Look, can I go now? I have a lot of calls on hold!?" I said okay.

We're really scared about this. We don't want a lawsuit on our hands. Can this place really do this to me? Also, I forgot to mention that when I told her I was disabled and receiving social security she said "Oh good good good!" I asked what she meant by that and she refused to answer and put me on hold.

Is all of this legal? I've tried working with the payday loan company and they refused any kind of payment arrangements. Legal enforcement procedures also wants payment in full. I've complained about this company to BBB, FTC, Etc. as well and have not had a response.

Please help!
Thank you
Comments:3 Replies - Latest reply on 2006-11-28
Posted by spiderman2 on 2006-11-28:
Try contacting your county legal services department. You should be able to find them through your bar association and see where you stand on this. If you wrote a check on a closed account, where I live, you can be criminally prosecuted. As you found out, those payday loan places are bad news all around.
Posted by bill on 2006-11-28:
"Is all of this legal?" Not all of it is legal. The part were you wrote a check on a closed account is illegal.
Posted by spiderman2 on 2006-11-28:
The part that bugs me about this one is that they won't send validation and that the amount keeps changing. When we get bad checks at our business and they aren't paid in full along with the fees in about a week, we take them to our local district justice for prosecution. Then you have to pay the DJ fees and fines too.

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