Consumer complaint received 2024-01-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: MCT GROUP INC. (CA)

Orginaly I recieved a personal loan from my bank and I was making the payments back to the bank. Until lost my income my job and was not able. I met with a loan consolidation agent in XXXX XXXX XXXX to fix this issue the loan had been giving to a debt collection agencey MTC Group. The debt consolidation agencey called and spoke with the MCT group on my behalf and told them out right I'm looking at his stubs from his unempolyment, his bills rent and ect. He can't afford the amount they were requesting and MCT would not negotiate on a lower monthly payment. They guy my agent knew of him and said he's a hard guy to deal with after speaking directly to him still no resolve. 

So, I walked away with the issue unresolved, this started in the early XXXXXXXX XXXX since then, every where I move, I receiving letters, phone calls that I do not reply or respond to them for years I assume after almost 20 years of this company making hard inquires on my credit keeping my credit score down it's time to seek help. 

I read it's up to 10 years in the state oXXXX XXXX 

I have documentation from XXXX, dated back to XXXX that shows they will not stop and now as of today I recieved a phone call on XX/XX/XXXX MCT Group. I did not speak with them. 

I understand any communication with them allows them for reopen my case... Not to mention they want me to pay also triple of the amount I recieved from my bank .as I mentioned I was in the process of paying the loan back until I lost my job. I owed {$800.00} to XXXX XXXX XXXX on my original balance. 

The MCT group wants over {$3000.00} for a XXXX debt thats over XXXXXXXX XXXX I misplaced the document from XXXX that date this matter back to XXXX but I do have the one from XXXX. 

It has been a burden not having any credit for the 17 years. Every four months they do a hard inquiry and I haven't had any credit since XXXX when I brought a used car. They called me and said you are out buying cars but you cant pay your debt. 
I also received a wage garnishment letter from a attorney and court in XXXX XXXXXXXX XXXX regarding garnishment of my income. 


Everyone falls on hard times this incident has left me without a good job that use your credit when you apply. I have been homeless for the last XXXX living shelters friends ect, without a place to stay Im staying in a transitional house sharing a bed room as of now with other grown men. I want to open a bank account and try to rebuild my credit I just have that type of money I am so frustrated with these sneaky practices. 

Question 1. ) If I have not spoke with them, can they continue this for how long?

Question 2. ) Also is this practice legal and common they are using over the ten year mark?

They have not uphold the statue of limitations on my issue I have been in the credit jail bascily it's been almost 20 years is this legal. 
After all these years of harassment I should free of this matter along time ago like 10 years ago. according to the law. 
I think they should not make any inquiries on my credit profile, and as for the debt. 
I have paid them through my lifestyle of no credit bad credit poor credit, followed trolled. 
I want to be left alone to go on and rebuild my credit and restore my life.