Consumer complaint received 2022-09-19
Company: CCF Intermediate Holdings LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Have been receiving emails from XXXX with speedy Cash offering settlement of past due account. I believe this is a scam. Here is some of the emails : SPEEDY CASH PAYDAY LAON WARRANT NOTICE Attention, Debtor Loan Account : - # XXXX Due Amount- {$1200.00} Settlemeent Amount : - {$560.00} IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION ATTORNEY : XXXX : XXXX After numerous attempts to reach you we haven't received any payment or any positive feedback from your side, as you are not paying your seriousness on this account which means that you are trying to run away from the situation and repeating the same activity which you did before with the loan company. We tried our best to help you on this matter but you are taking this matter lightly. 



Account Status : WARRANT IS ACTIVE FOR SEARCH AND SEIZE ( Violation of the Fair Debt Collection Practices Act and Defamation of Character. ) You are hereby notified that a lawsuit has been filed against you for three serious allegations. 
The charges with Speedy Cash Inc., pressed on you are 1 ) Violation of Federal Banking Regulation 2 ) Breach of contract with loan the company 3 ) Theft by Deception We have payment settlement option and repayment option 1. If you can make a one-time payment of {$560.00} ( same day payment ) we can close your case file with this amount only. 



2. If you are looking for weekly payment then you have to pay the total amount of {$1200.00} with payment arrangement and you can pay {$250.00} weekly till paid in full. 



Kindly let us know what type of payment arrangement you are looking for at Contact at : XXXX : XXXX Basically all the loan companies working under Speedy cash Inc. are ( XXXX  XXXX XXXX, XXXX XXXX XXXX, Cash Advance, XXXX XXXX XXXX, Advance XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cash Advance,  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cash AdvanceXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) So, it doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complain and recover outstanding balance in the court house. 

When the creditor attempted to extract the funds back from you as a repayment, at that time you didnt pay your monthly installment on time. So, as of now rather than chasing you for money the creditor have simply decided to write this money as a loss, as well as declared to be stolen and they pressed charges against you. 




Now the affidavit is taken by FDCPA law that means Fair Debt Collection Practices Act under Section 9 Chapter 19.

Now this means just two things for you : 1. ) If you are on any state supervised probation on payroll, then you will need to intimate the officer about this case.

2. ) If you have any prior convictions including but not limited to worthless check, grand theft or money laundering, so please be aware that they shall handle this case as a habitual offense as your state is zero tolerance state. 



This is also to inform you that the creditor has all the rights and authorities to inform your employer about this case and what will be the results and consequences comes once this case is downloaded and executed with the judgments against you, it is because you have kept your employers name as a security and also as an additional security two more names were used.

Finally, you have the right to hire an attorney, if you have one or if you can not afford one then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you found guilty under the bench of jury then you have to bear the court charges as a penalty and the Amount is {$18000.00} excluding your bail charges, your attorney charges and the due amount pending on your name. 
Finally, your name and Social Security Information would be reported to the three major credit bureaus of USA such as 1. ) XXXX 2. ) XXXX XXXX XXXX 3. ) XXXX  Ultimately, it would be affecting your XXXX scores by XXXX negative points and your social security number would be black listed and you would also never be eligible for all the government benefits and entities. 

According to the orders of the court house the State Investigation Department Officers will deliver all the legal documents to your current employer and that can risk your current job and once the judge opens your case for execution legally tomorrow then these charges will be reflecting on your Credit Reports because of which it will be very difficult for you to get a new job in future.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION ATTORNEY : XXXX : XXXX : XXXX " Debtor ( You ) has been declared as a guilty by Authorized Law Enforcement Department, Seizure Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken. 



The officer executing this warrant, or an officer present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for delay of trial ), and authorize the officer executing this warrant to delay notice to the person who, or whose property, will be searched or seized.

Note : You will be contacted by your local county authorities. National Debt Recovery Department is closing this account and declaring as a GUILTY. If we will not receive any feedback from your side, then you will be the only person who will be responsible for any consequences. 


NOTE : YOU STILL HAVE CHANCE TO RECTIFY THIS OUTSIDE OF COURT, FOLLOW THE RESOLVEMENT PROCEDURE BELOW IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION ATTORNEY : XXXX : XXXX Regards, Restitution Head Department Of l Debt Settlement Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation. 

You need to submit a minimum acceptable amount of {$200.00} today to keep your case on hold. 

Get back to us so we can send you payment information about how to make payment today. 
Okay, you need to submit payment of {$100.00} today by XXXX XXXX XXXX  but make sure you don't register or activate the card. 

Get back to us with card information and store zipcode along with image of the card and store receipt. 

Regards. 
XXXX XXXX XXXX  is federally bonded because once you make the payment and email us with the reference number, it will generate a paid in full document which will be sent to you once the account is paid off. 



We have sent you the information in order to put this case on hold as Fair Debt Collection Act UG-17 ( B ) Once your payment is submitted then you will get the receipt and once your account is been paid off you will receive the ( O.O.C.R ) OUTSIDE OF COURT RESTITUTION and ( N.O.C ) NON DUE CERTIFICATE that your account is paid in full.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation