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I need help in finding out what to do on a bounced check. my boyfriend had this female friend come to our place one night to ask for a loan of $150.00. she claimed her brother was in jail and needed to get him out that day or he would lose his job.i asked her if she has alot of money in the bank like she always brags about then why cant she do it. she said her bank was to far out and she is waiting on her card and its closed for this week. she said if we give her 150.00 she will give us 300.00 in return within 3 days. i asked her what if she doesnt and how do i trust her, so i told her she has to write it on paper. my boyfriend only had 22.00 in the bank but since it was on a weekend it would not be noticed tuill monday. she said that she will write a check instead so for the favor she will cover the fees. so she wrote the 300.00 check and monday comes and she doesnt show so we had to wait for tuesday to cash the check. we cashed it and the bank said he was still 47.00 short. we called and told her and she was nice enought ( so we thought) to write a 450.00 check and went inside the bank with my boyfriend. it was all good till a week later on my 21st birthday my boyfriend received a letter that both checks bounced and left him in the -$450.00. the stamp on the copy of the check said that the bank was not found and she has no account there. i was crushed for my birthday knowing he couldnt celebrate with me. we talked to her about it and she said she will send the money. she said this everyday until 2 months. we finally took her to court and she did not show so we won. but she keeps hiding and changing her number and the court said we have to go to her place and get the money from her in person. i feel like this was criminal and she is a fraud. she forged bad checks without a care and made us suffer for all these months. my boyfriend stopped putting money in the bank because it was being sucked up by fees. in a way i also feel like the bank uses this oppertunity to scam you into fees. they make you think its ok and accept the check unlike wal-mart and other places they can tell a bad check with machines, so why cant banks. we went for 3 months with out internet in which my boy friend needs for online classes, phone in case of an emergency, rent, gas and food. i want to see her go to jail for a long time because we found out she used to do meth and come to think of it....maybe her brother wasnt in jail...she just suckered us into drug money...we dont like that mess. so please help us in finding a way to let the law see that she is doing wrong to us and to others as we found out she did the same too. so far everyone says theres nothing we can do....please help i just want to end this and find a way to put her away. becasue the law is acting like its not a crime to write multiple bounced checks. and we have proof and everything. we have gone to the sheriff dept first but they said theres nothing they can do about it so we need to to take it to small claims court...now every justice thing we have done just ran us in circles. of course we will never do this again and my boyfriend learned but i thought she would have not done a stupid thing because i thougth justice would have taken care of it no problem if she did. and since she did we have no help. my boy friend had to go to the library for the comeputer till it was reconnected ,and we are caught up now that we dont put money in the bank but the bank is now in the -500 .00. at this moment he is in class for criminal justice and wants to talk to his teacher about it...hopefully he has a good answer tonight. but for her , we thought she would get a bench warrent for not showing for court after 45 days in recieving the note for court...i just dont understand this. its been since april of this year since the inccident he did not write the checks...she did. he just used his atm card but either way she wrote a bad check. we are sued her for 850.00 to cover fees and court fees as well and money to cover what he lost over the 2 months but we might have to sue for more. but we figure 850.00 is decent unlike her. after his class he spoke to his teacher and his teacher said that the police cant do anything about it because he file lawsuit against her...when at first the sheriff told us that we have to go to court. so in the end we just run back in circles. the court lady said on the phone that we have to get her bank info so they can track it and withdraw it. but the girl is always in hiding and changes her number a lot. if we meet her i want to bring an officer to witness. she might try to lie and fake a bank name like she did in the checks. then maybe take it to a civil court. she already took food out of my friend kids mouth and they barely make it on their own. it angers me.she has no right to do that i got in touch with a friend who has studied law. he said that it would be considered double jeopardy to take her to court again. he said here's a better way. if she doesn't give the bank name right and you cant get the money then take something that belongs to her that's worth 850 or what ever your price was. i say this is the best advice given since i was unable to receive any from here that i already tried...but thanks every one, just pray that god will put a stop to her wrong doing and she will get what she deserves.

Call the police. This is grand theft, since it's over $300 stolen from you. A drug addict will look you right in the eye and sucker you out of money as many times as you fall for it. Your boyfriend can go to the public library and use the public computer for internet class until your internet get restored. Lessons like this are expensive and not taught in classrooms, but in the "school of hard knocks". So you know, she isn't your friend, people gyp you with a sob story and a rush to borrow that can't wait for you to think about it. Never do this again unless you want to make the money a gift you never see again.

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Hello to every attorney reading this. i purchased a 1999 subaru for a huge amount, which is my fault. story goes that i lost my job and could not mak my payments. i was 90 days past due at one point in which i received a repo notice, that was understandable. i owed about $1200 made a payment of about $800. i now owe $753 and thats less then 90 days past due. i am waiting to receive check since i have now been employed for approx. 6 months. i planned on paying the over due bal on the 20th. i was hoping to pay $500 so that would leave me $253 to pay until the next payment of $328 is due on the 28 of this month. i just received a letter that was typed by a female i've been talking to at the dealer, it is unprofessional, threatening, and i feel doesn't follow the fdcpa, if the dealer is even liscensed as a debt collection. the letter explains that if i don't pay the past due bal in a certain time they will proceed to collect the funds which i'm sure means a suit and repo of car. read it and contact me if you believe something can be done. let me make it clear that the past due bal is an amount i intend to pay but if something illegal was commited by the dealer i want to know and do something about it. people owe money every day and as soon as a debt agency tries to take advantage and scare the consumer the fdcpa is there to back them up. if theres nothing wrong then thats fine too. thanks i recieved a letter from a female at value auto mart. after talking to her and having her give me an attitude she decided to make her own letter that reads: (written as it is including grammer and punctuations) date 01/13/10 total (full amount of car shown here) this amount doesn't include late fee's dear sir or madam: we have not heard from you regarding your past due balance of $752.88. this balance is extremely over due. if we do not receive payment in full with (10) ten days of the date of this letter, on your account. our office will processed to recover out investment. we have tried every attempt to collect the debt. in addition, you have failed to contact our office. therefore, you have left our office no choice but to proceed with legal action agaisnt you if this matter is not resolved. you are responsible for all court cost and attorney fees. we urge you to give this matter your immediate attention. sincerely, (**) collection dept personal & confidential this is attempt to collect a debt. any information obtained will be used for that purpose only.

The FDCPA does not apply to the original creditor, it only applies to 3rd party debt collectors. You are dealing with the original creditors collection department, they are well within their rights to collect on the past due debt.

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Sooooo being unemployed and applying for a ton of jobs i lost track of the places i have applied to. i recieved an email back for what i thought was a receptionist job and they wanted to interview me on yahoo messenger 1st, well i found out it was a work at home job that paid $25/hr and sounded way to good to be true. so after adding a few things up im going with this is a scam! do not cash the check once you receive it. i received the check today in the mail for $1,950. and there were a lot of things that didnt make sense but made enough sense to me to know that once you cash this check, theyre somehow going to wipe out all your money in your bank account. i would report these people to the proper authorities. ill tell you why i believe this is a scam. #1. i recently had an interview with a man who called himself "jacob peter" for what i thought was a receptionist job i had applied for but it was a mystery shopping job. he began to ask me personal questions such as if i lived alone, if i was single blah blah blah...then he asked me if he could ship things to my house then someone would pick them up after i boxed everything and then the boxes would be shipped to south africa. what the hell does mystery shopping have to do with this?! nothing so after the questions became personal i said thank you but no thank you then signed off. #2. the next day i received an e-mail from a "peter smith" who wanted to interview me for what i also thought was a receptionist job i had applied for but turned out it was for trovit communications ltd, a work from home data entry clerk job which pays $25/hr. sounds great for the unemployed/or someone looking for extra cash right? wrong! he then said he would send me $1,950 for supplies that i would need to purchase for orientation and training.... when i recieved the check today in the mail the letter is as follows: dear mystery shopper, the enclosed check was sent for you to carry out a mystery shopping assignment at any wal-mart or western union locations in your area. i will advise that you contact mr. peter jacob upon receipt of this check sent for secret shopping assignment, you shall receive further instruction via-emial you provided, in other to complete your first assignment. please make sure you email here jacobpeter10@aol.co.uk to acknowledge the receipt of this check, for due process and accountability before work will commence...... now remember this $1950 check was supposed to be for the work at home job with peter smith, not a mystery shopping job with peter jacob whos name was jacob peter when he interviewed me on yahoo for the actual mystery shopping job the 1st time. there was no letter head, no return addrerss, the email is from the uk, the check written has no address under the banks name except that its from newnan, ga, and the stamp says canada. i think this is the same person trying different ways to get as much information out of a person as possible to try and someone use it to their benefit. both these jobs were posted on craigslist where i applied. i wouldnt trust it for the life of me. hopefully no one gets scammed if they actually cash the check. things just didnt add up for me. good luck! i actually just finished filing a report with ic3. thanks!

Have you reported this to the FBI's IC3 division for investigation? http://www.ic3.gov/default.aspx You can also contact your nearest Secret Service Field Office to report this as they are responsible for investigating bank/check fraud http://www.secretservice.gov/field_offices.shtml But the ONLY way to be safe is to know that NO legitimate company will ever offer a job to a person they've never interviewed IN PERSON. If you don't go to their office and if they are not listed with directory assistance, they are never going to be a real job