Friday, January 25, 2013

Scum From The Bottom Of The Pond

   And here's my rant about identity theft, and the scum who practice this particular brand of theft. About 2 years ago, my information was stolen, off of the computer, I think, but I have never been able to exactly pinpoint how, who, when, where, or why. I never worried too much about identity theft, because what do I have to steal? Nothing. I manage to pay my daughter's and my bills, and keep a roof over our heads, food in our bellies and clothes on our back, but we don't have a whole lot extra. So while I wasn't overly careless, I wasn't overly cautious either.
   Much to my dismay, I found out what one person does to someone who has nothing. These insidious thieves get the info they need and take out online payday loans and try to trick you into making payments on loans that don't really exist. They called me and used heavy scare tactics, like I was going to end up in jail, or that if I didn't pay right now then court costs would cause my debt to soar to ten times the amount. I never took the bait, but they sure kept trying, and the scare tactic that actually caused me some real amusement was when they told me if I didn't pay I would be deported. See, I was born in Japan, but what they didn't know was that I was born in Japan because my dad was in the Air Force. I was born on a military base, no Japanese blood at all, with two American parents, so of course, I am fully an American citizen. So where exactly were they going to deport me to??? I don't really think Japan wants me.
   Anyway, while all this was going on, I reported to the FTC, the Attorney General, did my research, got some information from a super nice lawyer, and did not pay the identity thieves. And eventually, I got things straightened out, and I thought the nightmare was over. Until today, when I got a phone call at work. From a completely different person, who claims to be representing a payday loan company that I owed money too. So not the truth, and when I tried to explain that to her, she jumped my shit, which makes me think that she was not legit either.
   I know this sounds bad, but I have been sued twice, over unpaid hospital bills. I was served and they did not give a courtesy call first, they just showed up. When I asked them what the papers they were handing me were about all they said was that they didn't know and would I please sign for them. This woman argued with me. When I told her that I had never taken out a payday loan with her client, she started screaming at me, "Do you think someone just deposited money into your bank account for free?" Um, no, I am telling you that no one deposited money into my account. She demanded things like the last four digits of my social (which she didn't get) and when I asked for papers to be sent to me, she told me that they had sent papers. But I never got any papers, and yes, I have moved, but only last week, and my mom still lives at my old address, so I get every piece of mail that goes there. In short, that address is still a valid mailing address. I hung up on her, but I have to admit, I was pretty shook up, and had to go upstairs to the offices and break rooms to calm down. I also told her not to call me at work anymore, so of course, she called right back and talked to someone else, because I was upstairs trying to calm down.
   If you are going through something like this, the best advice that I can give is pay absolutely nothing, especially not based on a few phone calls. Demand paperwork, because by law, they have to send you information about the debt that they are claiming that you owe. Do not give them anymore information about yourself. Get as much as their info a possible (something I failed to do today because I was so upset I was not thinking) because you are going to need that info to make reports to the FTC and the Attorney General.
   I thought this shit was over. It looks like I only got a break. Because either this woman is lying to get money out of me, or she is really representing a company that had a payday loan taken out in my name, although I am going to repeat again that I have no payday loans out and this is not me. Either way, I am going to have to go through all this BS again, and they are likely never to catch who is doing this, which really sucks. I am a single mom doing my best to raise my child while working full time and going to college full time, albeit online. I have enough effing stress; I didn't need more. People who do this are scum, a drain upon society, worthless, useless, and I hope they all choke on the guilt that they don't feel. 


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